The Troubleshooter 1-23-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped news, you don't have.

Speaker 2 (00:12):
Come run in just as fast as we can. Show
Shooter's gonna help coming.

Speaker 3 (00:18):
Man Dix is the Troubleshooter Show. No Tom Martinez. Welcome
my friends to the only.

Speaker 4 (00:26):
Show if it's kid. We're here to how problems, answer questions,
take complaints. I'm glad you have joined us today. Any
questions you have. We have recouped over three hundred million
dollars in cash, merchandise exchanges refunds directly due to this show.
So if you have any questions, we have a list
of experts at referral lis dot com that can help

(00:47):
you out in studio with me today. By the way,
good friend of the show, good friend of Suzanna and
I John Fuller, Attorney at law. And we also have
Barry Miller Vestera Turnkey. We're gonna get into that. But
the bottom line is, if you ever wanted to diversify
into real estate and you really know little or maybe

(01:10):
you know a lot, but you don't want to actually
have to manage it, the returns that are possible with
Barrier a pretty incredible and we'll talk about those throughout
the day. Guys. Wow, I just got back from Washington, DC.
It was so cold, John, I couldn't believe it. I
know you traveled to Florida quite a bit. I looked

(01:31):
up on the news and Tallahassee looked like Castle Rock.
I couldn't believe it. Georgia, New Orleans, it looked like
two or three inches of ice.

Speaker 5 (01:45):
Well that's the thing down there.

Speaker 6 (01:47):
Like I grew up in Georgia, and you know, we
would get snow maybe once every I don't know, four
or five years, grow it was was not it was
And to even call it snow is kind of a
little bit of a stretch because what it really was
was like freezing rains. We'd get a coating of ice,
and I mean and there was people literally ice skating. Absolutely.

(02:08):
My hometown had two red lights and one of them blinks.
They would shut the town down. The people would stock
up on groceries, the schools would close, every building, business, everything,
they would all close down because nobody was going out.
And if you did, like we had a hill near
my house, you'd slide right down and cars would just
pile up at the bottom of this hill because they'd

(02:29):
come over and lock the brakes up and all of
them would slide all the way down and just crash
into a big pile at the bottom.

Speaker 4 (02:35):
So they were talking to I think the mayor or someone,
it was New Orleans, and they're like, we don't have snowplows,
we don't have sand, we don't have salt. Yeah, we
simply don't have these things.

Speaker 5 (02:46):
The same for Atlanta.

Speaker 6 (02:47):
They got four two snowplows in the whole state.

Speaker 4 (02:50):
You know, it's really amazing how that weather went and
it stretched. I know when I left here it was
like negative five or whatever, and then out where we
were in DC. My god, here, that's what I forgot
about DC and Florida and that neck of the woods.
Even when it's like fifteen or twenty, that humidity is
when they will wind glows. It is way colder than

(03:10):
five below here. Easily, easily. I could see how people
could die out there real quick. All right, three oh
three seven, one, three eight, two five five. We're going
to talk about anything that's on your mind today. I
was listening to the economic summit there in Switzerland right before,
and wow, do we've got a lot coming up? I
never thought Don and Jim, I promise i'll get you

(03:32):
in a minute. But you know, everybody that listens to
the show knows where I stand. I love, I love
what's going on. I think a lot of good things
are going to happen. But after listening to that economic conference,
and you know, over the weekend, you have guys like Diamond,
Jamie Diamond. You've got the CEO of Bank of America
that didn't seem to even like conservatives. Uh, you know

(03:54):
a couple of years ago, you have got You've got
all these people that are going to be bringing job
to the country. The main thing Trump talked about today
is here's what he said, John, If you didn't hear it,
the bottom line I took from it economics. All we're
talking about is if you build your product here, you're
going to have a tax rate a fifteen percent or under.

(04:14):
If you build it elsewhere, you're going to have a
higher tax rate.

Speaker 6 (04:18):
I'm like a tax rate of fifteen percent.

Speaker 4 (04:20):
I think everybody would. Can you imagine that fifteen percent? Well,
we'll see if that happens. Hey Don, what's going on
with you?

Speaker 1 (04:28):
Man? Hello?

Speaker 4 (04:32):
Hey Don? How are you?

Speaker 1 (04:34):
I'm doing good? How are you doing, sir?

Speaker 4 (04:36):
I'm doing pretty good. What's going on?

Speaker 1 (04:39):
Okay? Last year sometime or another. I'm not even sure
when I'm not even sure how we got connected. But
this guy was going to put a roof on my
rental property which is right behind my house.

Speaker 5 (04:56):
It's okay, about.

Speaker 1 (04:57):
Seven care feet, got it, And but he was working
with that also, he being electrician as well, was going to.

Speaker 4 (05:06):
Well, you don't meet many people that are electricians and roofers,
but keep going.

Speaker 1 (05:11):
Yeah, exactly. But anyway, he was going to upgrade, in
the process, upgrade my panel back there, which was basically
the switchbox was inside the house. Of course, it was
built back in the fifties.

Speaker 4 (05:24):
Yeah, real old, Yeah, I get it. They were going
to put a new panel in, right.

Speaker 1 (05:29):
And but we went through the roofing deal and my
insurance company basically just was not going to pay for it.

Speaker 4 (05:36):
Well hold on when you say hold on, So he
came out, inspected your roof, reach out to the insurance company,
and they denied the claim several times. Okay, fine, so
they denied the claim. Then what right, So nothing got done?

Speaker 1 (05:50):
Nothing got done and deal, but he says, well what
about this panel and the set up a date with stuff
like that, and I said, well, I have to get
a hold of my tenant let him know, stuff like
it was set up for January third, got it? Anyway,
he come out, was doing the work and stuff like that. Well,
in the process, I looked at everything. You have the
panel up, and I'm going, man, that thing is really huge.
And I do mean huge. I mean this.

Speaker 4 (06:11):
Well, what do you mean by huge? I'd like to know.
I mean I've seen a million electric panels. What are
you talking about?

Speaker 1 (06:18):
Well, let's put.

Speaker 4 (06:19):
It like the size of the door that covers your
your glasses in your kitchen, like like the like the cabinet.
No bigger than that then like a door.

Speaker 1 (06:30):
Well, it's I could probably put twenty circuit breakers in there.

Speaker 4 (06:34):
How big is this that? Yeah, that's that's somewhat normal. Okay,
So it's a panel, but go ahead, And why do
you care if it was that big? I don't get it.

Speaker 1 (06:42):
Well, I don't really most parts stuff like that. It
is there, stuff like that. Yeah, it's just it seems exorbitant.

Speaker 4 (06:50):
Okay, So what endway?

Speaker 1 (06:51):
Uh, because the household has four circuit breakers, period, it's
only got four rooms, and they had to put a
search protector. Okay, So got that, and then he said, well,
soon as the inspection that's done their thing. They weren't
come out and change out the four circuit breakers and
put in better ones that you know, don't kick out
stuff like that. Okay, I understand.

Speaker 4 (07:12):
So wait a second, Wait, wait, I got a couple
of real basic questions here, don that you got to
help me with. Did he pull a permit for this
work to begin with? No, So he didn't pull a permit.
He comes in, he puts the panel in, he swaps
the panel over or and he had to have give
you new breakers at that point because it's a new panel.
So when those were in, they were the wrong size breakers,

(07:35):
so they kept breaking.

Speaker 1 (07:37):
Well, he said that that could possibly happen because this
is what they require by code. But he said he
come out afterwards and changing And I said.

Speaker 5 (07:46):
Okay, well he didn't pull a permit? Why did But he.

Speaker 1 (07:49):
Did not pull a permit? I defended out yesterday?

Speaker 4 (07:52):
Okay, so where where does it stand? Where did it
stand right after that? So after he repaired it, meaning
he put in the wrong breaker, it sounds like where
are we at.

Speaker 1 (08:04):
Right now? Everything still as a total stand steal stuff
like that. He was supposed to notify XL to hook
up that panel and he didn't.

Speaker 4 (08:13):
How much have you paid him?

Speaker 1 (08:15):
I haven't paid him a dime.

Speaker 4 (08:17):
Well, then you're so far ahead here. I mean you
got to call him electrician to have him come out
and finish it.

Speaker 7 (08:22):
Well, yes, but he wants eighty nine thousand and ninety
five dollars stuff like that. Don wait a second, over
almost ten grand this panel?

Speaker 4 (08:37):
Okay, wait, don first of all to install a panel. Listen,
it's not cheap. I don't care. These days, he could
easily be ten grand to swap out a panel. I
know it sounds absurd, trust me, I get it, but
I'm telling you that can possibly be there. But if
he didn't pull the permit, and if it's not working
and it doesn't have the proper breakers in it.

Speaker 1 (08:57):
What it is working? It's hooked up working.

Speaker 4 (09:00):
Well, I thought you said Excel had to come out.

Speaker 1 (09:04):
They're supposed to for.

Speaker 4 (09:05):
What what do they have to come out for.

Speaker 1 (09:08):
To hook up the lines off the line and install
the meter?

Speaker 4 (09:14):
Okay? Hold on, don so when you say don please
please come here, when you say it is working now,
but yet Excel hasn't hooked up to the meter nor
the panel. What do you mean it's working? How is
it working.

Speaker 1 (09:28):
He did not contact them, and he is opposed to
contact them, and he didn't. He hooked it up himself.

Speaker 4 (09:40):
Okay, so he hooked it up, and I get what
you're saying.

Speaker 6 (09:44):
So Excel's got to come out and put a meter in, yeah,
to individually monitor that separate unit.

Speaker 4 (09:50):
Yeah, or you're saying, or it's possibly it's feeding off
the guy's old meter. Is it feeding off your old meter?

Speaker 6 (09:55):
Is there an extension cord running across your yard to
your neighbors?

Speaker 1 (10:00):
No?

Speaker 4 (10:00):
No, hold on, don let me put you on hold.
I want to get uh what electricians, Suzanne? Should we grab?
Let's grab how about George fix it? He is an electrician.
If we can get George, i'd be awesome. Or if
George plumbline or fix it, But try George first, because
it's George. Three oh three seven one three A two

(10:20):
five five. Don's got a or I'm sorry, Jim's got
a froug call. I'm gonna I'm gonna pin down an
electrician after this break and see how that generally works
with Excel. But I'm pretty sure Excel or whoever the
electric company is or the utility does have to come
out and least sign off on it. I'm not sure
if they have to do the actual hookup, but I
want to find out. But John, if this guy hasn't

(10:43):
paid a dime, he's the one ahead right now. I mean,
that's what I want you to think of, don, I mean,
why do you care at this point? But hold on?

Speaker 8 (10:51):
Yeah, go with a sure thing Denver's Best Rufer Excel Rufe.

Speaker 9 (11:00):
You don't pay a cent until you're content.

Speaker 8 (11:06):
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.

Speaker 5 (11:16):
Help.

Speaker 8 (11:16):
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 (11:31):
All right, three oh three seven one three eight two
five five uh three oh three Martinos. Suzann's working on
get one of our electricians on referral lists dot com.
But don I really do want to know something out
So where it stands now, you haven't paid this guy anything.
Everything's hooked up. The only thing that hasn't been done.
Is the inspector is not signed off because a permit

(11:53):
was never pulled and excel has never come out as well?
Is that correct?

Speaker 1 (11:58):
That's correct? But I also have other information. He told
me what would I pay for the job? I told
him I wouldn't pay much more over forty five to
five thousand dollars.

Speaker 9 (12:09):
Now, why is it?

Speaker 4 (12:10):
I've never heard of someone having work done? Did you
guys not discuss the price when you started? Did you
just both of you just assume you're going to have
the exact same number in your head when it was done.

Speaker 5 (12:22):
We'll just work it out.

Speaker 1 (12:23):
That's about what?

Speaker 4 (12:26):
Well, how the hell's that happened? No offense, don But
I have never heard of that in my life. It's
like if I showed up at John's house to buy
his car and I think I'm going to pay five
hundred for it, and he thinks I'm going to pay
ten thousand for it. I mean, I don't even get it,
take it around the blouse.

Speaker 1 (12:42):
I realized that, and that's what got me on this
thing and stuff like that when he presented the bills.

Speaker 4 (12:47):
But you haven't paid him a damn dime.

Speaker 10 (12:49):
So, but would you paid.

Speaker 1 (12:50):
Him a dime. I went out and got two other estimates, yeah,
from local electricians and everything. Both of them come back
at fifty five hundred dollars for the same job. I
had a son that has almost a tentical panel on
his house and he will be paid four grand.

Speaker 4 (13:08):
Well, okay, listen, man, pricing is pricing. Wants there listen
listen though, man.

Speaker 1 (13:13):
Price like that?

Speaker 4 (13:14):
Pricing. Pricing is pricing the main problem we have here.
There was no negotiations beforehand. Where does it stand right now?
Is he threatening to lean you? What is he doing?

Speaker 1 (13:25):
He isn't. Well, he is saying it presented me a
uh E signed deal to Synchrony think because that's where
the number come in. Is that I so much that
I signed up to do financing on it and everything
and got something from them and stuff like that.

Speaker 4 (13:44):
Second wait a second, wait wait wait none, And this
is so important. Who do you owe the money to
the bank or this guy?

Speaker 1 (13:55):
This guy?

Speaker 4 (13:56):
So the bank has not put a loan in your name.

Speaker 1 (14:00):
Well, I guess they have, but there's nothing on it.

Speaker 4 (14:04):
Okay, they have not pulled the funds yet. No, Okay,
you got to tell the bank you don't sign that
you got to tell the bank. Look, here's what I
tell the bank, Synchrony, because they might pay him if
you sign that, they're going to turn the funds over
to him, and then you're going to owe the bank
and you're gonna have no recourse basically against this guy.

(14:24):
So what you need to do right now? I am
not kidding man. You need to call the bank up
and say, look, this guy did electrical work. He was
supposed to pull a permit, he didn't. He was supposed
to call Excel, he didn't. He needs to finish the
job before I do anything. That's what you got to do.

Speaker 1 (14:41):
Okay, I can do that.

Speaker 4 (14:42):
Yeah, you need to do that. You know what I'd
like to do? Where I really want you to think hard?
Where did you come up with that ten thousand dollars
number in him? I still find it almost impossible. You
agreed to have him do something with neither of you
getting to a price. So there must have been something
brought up at some point.

Speaker 1 (15:04):
Well, what it was hoping that was brought up at
one point was the electrical job and the.

Speaker 4 (15:08):
Roof and how much was that going to be?

Speaker 10 (15:11):
The roof is not but he did I.

Speaker 4 (15:13):
Understand he didn't do the roof, But how much were
both of them going to be At the time.

Speaker 1 (15:18):
He's saying ten grand?

Speaker 4 (15:20):
Wait a minute, come on, man.

Speaker 1 (15:21):
So he was then, and then he come back and
tried to say, oh, well, no, I think we're That
would have been about fifteen grand.

Speaker 4 (15:28):
Here's what we're doing, Hey, Suzanne, get the guy's number.
I want to get the guy on, simple as that.
So get the guy's name and phone number from Don.
I want to talk to him and let's try to
work this out three oh three seven, one three eight
two five five. Because now what he's saying is and Don,
we're going to help you out regardless. But now you're
saying and once again it could be true. This guy,

(15:49):
this contractor could be just a total ripoff. But if
he's telling you, I'm going to knock you out and
put a new roof on and I'm going to do
the electrical panel for ten grand, and then all you
get done is the electrical panel and he still wants
ten grand, I just find that crazy. I find it
absolutely crazy to me.

Speaker 11 (16:10):
Mark, there's a lot more we're not hearing here about
Synchrony Bank. They're a credit card issuer. Did Synchrony Bank
get involved in this deal.

Speaker 4 (16:18):
I know that because Synchrony Bank does private label, so
Wells Fargo does the same thing. So when I sell
computers or tires or anything, I had about four different banks.
I would shop like that and I could basically get
paid as soon as I was done, and then they
would make payments. It didn't matter if it was an
auto repair. It's for anything.

Speaker 11 (16:39):
So so did Doc Coler done already sign anything with
Synchrony Bank?

Speaker 4 (16:43):
No sign, No, he said. The guy wants him to
sign it now. And what he's signing is, so if
you bought let's say you bought a twenty thousand dollars
server from me back in the day, I would when
I was done and you picked it up and you
were happy, you would sign my receipt. I use Wells
far Going third party financi and then I go get
paid and then he would pay. And a lot of

(17:05):
times back then it was like, you know, one year,
no interest, no payments. A lot of that has changed now.
While we're trying to get that guy on, Hey Jim,
what's going on with you? Hey Jim, you're up?

Speaker 12 (17:20):
Yeah?

Speaker 1 (17:21):
Okay?

Speaker 13 (17:21):
Hi Tom, Hey, I got a phone call this morning
gone obviously a phone call, and I just want to
have people warned about these guys.

Speaker 10 (17:30):
What happened.

Speaker 13 (17:31):
They're calling and claiming that I want to contest two
years ago for I'm second prize seven hundred and fifty
thousand dollars. They want to send me as the old
you know. But I got three different people's names and
phone numbers. The first guy claimed to be from the
Consumer Protection Agency in Virginia, and I got his phone

(17:52):
number and information, and then he sent me over to
the insurance company that had insured this thing, and uh
got that guy's name and phone number from the first
state insurance and trust.

Speaker 4 (18:06):
You must have been, Jim. You must have been bored
this morning.

Speaker 12 (18:12):
I was.

Speaker 13 (18:12):
But I played them along. They were extremely good, and
I just I played them along.

Speaker 4 (18:18):
In an English accents.

Speaker 12 (18:20):
How did they sound you warned about it?

Speaker 4 (18:22):
Did they sound like they're from these parts or did
they sound like they're from No?

Speaker 13 (18:25):
They were, They were, yeah, they have no accents. Real good,
you know, real good salesman, super salesman. And they said
that if I told them that I know a consumer
person in Denver, and they said, oh, you can have
him call us and we can explain it to him.

Speaker 4 (18:40):
Oh, perfect, what am I doing that at all? Do
you have the phone number?

Speaker 13 (18:45):
I got a phone number for all three of them?

Speaker 4 (18:47):
Yeah, but which one? Which one said agreed to?

Speaker 14 (18:50):
You know?

Speaker 4 (18:51):
Talk to us?

Speaker 13 (18:53):
Uh, that's a James Miller out of New York. I
guess he's with the Awards Department.

Speaker 5 (18:58):
James, Okay, I know him.

Speaker 4 (19:01):
No, No, here's what I want. So let me put
you on hold, Susanna. When you call up there, I
know you're still trying to get an electrician. But when
you call up this scammer, this number we're going to
get from Jim, tell them, you know, he's got to
know he's on the air, and we just want to
understand how some of our listeners can get some of

(19:24):
this money as well. Excited, we're now dragon, I've got
to ask something. Get on air real quick. What I
used to do years ago. I would say, they want
a prize. You're on the air, you want a prize.
We want to talk to you, and they would come

(19:44):
on thinking they want a prize. Then I'd knock him
in the head with what we're really talking about. I
had someone I'm going back. I'm going back pre COVID
I had a certain program director I'm not going to
say his name that did not like that tactic. But
I never saw a problem with it. I guess all.

(20:06):
I'm asking you, as long as they know they're on
the air.

Speaker 15 (20:08):
I'm pretty sure as long as they know they're going
on the air.

Speaker 4 (20:12):
Yeah, why do I have to tell the truth. There
are a bunch of scums, so let's see if we
can get them on Hold.

Speaker 8 (20:17):
On go with a sure thing Denver's Best roofer Excel
Roofing dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens

(20:39):
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
three nine two zero sixteen twenty two.

Speaker 4 (21:00):
Three oh three seven one three eight two five five. Susanne,
my lovely wife, did you reach out to that scammer?

Speaker 16 (21:08):
I did, and he actually had a legit voicemail. I
left a voicemail saying who I was and we wanted
to talk to him and what we wanted to talk
to him about. And then I also let in the
voicemail said I'd be calling him back again in a
few minutes.

Speaker 4 (21:20):
I absolutely love it. And we're still trying to get
an electrician. I assume we might end up.

Speaker 16 (21:25):
You wanted me to call the electrician in question. Don
gave me the wrong phone number, and I literally just
got the right phone number. So if you give me
a minute, I'll give the guy a try.

Speaker 4 (21:35):
How I'm not even gonna ask. I'm gonna end up
pulling my hair out. I wonder how he gives the
wrong phone number at a curiosity, Suzanne, was the wrong
phone number to a different electrician. No, it was just
too It just totally wrong.

Speaker 16 (21:51):
He just accidentally gave me the wrong number.

Speaker 4 (21:52):
I got youa hey, Jim, we left a message with
the people that tried to scam you. Hopefully they call back. Honestly,
I don't know if they will or not. We talked
to one one time. It was so great. I mean,
the best one ever. And I'm sorry I got to
put that one on hold. Go here, the best one ever, Jim.
We got a hold of some guy, and I believe

(22:14):
every word he said. He was in Jamaica in like
an office building with you know, on a floor with
like twenty people, and these twenty people would get fifty
percent of whatever they got, and he explained to us
how it worked. First of all, it was almost it
wasn't until the money was done, meaning if it was

(22:36):
just on a credit card, they wouldn't get their cut
for like half a year, because you can go contest
a pure fraud up to whatever amount of time. But
if it was like an Amazon gift card or a
gift card, because that's what they'd always focus on, they
wouldn't get the full fifty percent, but they'd get paid quick.

(22:56):
But they'd get like forty percent and split. Say what
the house? So he went on and he did. We said, well,
why do you guys target people? Don't you feel bad
when you go home? And he's like, no, it's a job.
It really is. I got to feed my family just
like you do what you do. And I believe every
word he said was true all the way down to it.
I truly do, absolutely positively. All right, three oh three

(23:20):
seven ones. I remember the call, Oh you do remember
that Jim, I.

Speaker 13 (23:24):
Remember, I remember the calls in the conversation. Uh, if
somebody else wants to take the other two phone numbers
or the consumed protection hez they guy and the insurance
company guys. I also have those I can give you.
You can go to somebody else.

Speaker 4 (23:38):
Yeah, what the hell? You know what? Well, we will
try one more. Hold on, I got full lines on
right now. But give Suzanne that info. She's talking to
somebody real quick. Three oh three seven one three eight
two five five. Hey Michelle, what is going on with you?

Speaker 17 (23:56):
So?

Speaker 4 (23:57):
Yeah, Hey, Michelle, listen, I'm gonna tell everybody right now.
It's my fault. Now listen, listen, it's my fault. When
there's a delay like that. Do you know why, Dmitri
I can't think of a good reason. Was I like that?
He's like, no, there's no, there's no excuse for that. No,
here's the bottom line. You hit the button. And I'm

(24:18):
saying this because John sitting next to me. You hit
the I'm sorry, just hold on, Michelle. You hit the button,
and you wait about two seconds or three then go
to the caller. It takes two or three seconds for
them to actually hear you. But now go ahead, Michelle,
thank you for holding Yeah, no problem.

Speaker 18 (24:37):
So recently my nephew wrecks my car. He took you
without my knowing, and so I had Bull coverage insurance
on it. State Barn paid their half the gap insurance
is not paying the other half. It is thirteen hundred dollars.

Speaker 5 (24:51):
Now why did State for them only pay half?

Speaker 18 (24:54):
I have no idea?

Speaker 4 (24:56):
Well, and I'm sorry, and I'm sorry, Michelle. What do
you so? How much dam was the car totaled? Yeah,
the car was, and how much? How much did they
how much was the car worth?

Speaker 18 (25:07):
I still owed on my car about twenty two I
think twenty two thousand. It was a twenty eighteen.

Speaker 4 (25:14):
But hold on, how much? How much was the value
of the vehicle? Do you know that?

Speaker 19 (25:19):
Or no, no, I do not.

Speaker 4 (25:20):
How much did the insurance company offer you?

Speaker 18 (25:24):
They didn't help me nothing. All they did is take
me the ten thousand, ten thousands towards my car.

Speaker 4 (25:29):
Well that's that's what I was asking. So they gave
you ten grand?

Speaker 18 (25:33):
Yeah, ten grand?

Speaker 5 (25:33):
So seriously upside down?

Speaker 4 (25:35):
Yeah, So what happened is you have negative equity either
you bought it a very high interest rate. Something was
inflated in the car. Where did you buy the car?
And how much? I know you had an eighteen thousand
dollars loan, but for example, do you know what your
interest rate was?

Speaker 8 (25:55):
No?

Speaker 18 (25:55):
I do not know the interest rate on any market.

Speaker 11 (25:57):
I think Michelle said that she had GAP insurance that
hasn't paid off?

Speaker 4 (26:00):
Is that insurance if she if she owes eighteen and
they gave her ten, they're not giving her GAP insurance
isn't giving her eight by any means? How much does
GAP want to give you?

Speaker 18 (26:14):
Gap isn't given me anything?

Speaker 4 (26:16):
Not a nickel? Nope? Okay, let me ask you this.
Here's what I want to do. I got to figure
this out a little better. I would like the VIN number.
You probably don't have the VIN. What was the year
making model? It doesn't say, Hey, Dmitri, I want you
to look up the year make model? What is it?

Speaker 18 (26:34):
It's a twenty eighteen Bwicks Lacrosse Buick Lacrosse.

Speaker 4 (26:38):
How many miles on it?

Speaker 1 (26:40):
There was?

Speaker 4 (26:40):
I just like, and then is there any trim you
know of, like S model or anything like that. If not,
we'll get close. And it was in pretty decent shape,
normal shape.

Speaker 18 (26:54):
Oh yeah, I only owned it for two years?

Speaker 16 (26:56):
Did you ask how many miles?

Speaker 4 (26:58):
Yeah, he got that seventy. I want to look that up,
and I want to ask you something else, And I
think John Fuller knows where I'm going to here. So
when they offered you that ten thousand, you said they
only paid half. I understand you're thinking the gap would
pay the other eight But did they say there was
somebody else at fault at all? Were they only going

(27:20):
to pay for fifty percent of the vehicle or they
told you they were going to pay for the entire vehicle?

Speaker 18 (27:26):
Well, so I understand it. I just got full coverage
insurance and that like State Farm would cover the whole car,
and I didn't realize.

Speaker 5 (27:32):
That only covered our So hey, Michelle, this is John Fuller.
I do this every day.

Speaker 6 (27:37):
So is it true to say that State Farm gave
you what they valued your car at and that just
happened to be about half of what you owed on it?

Speaker 5 (27:48):
Yes, okay, perfect, that's what we were looking for.

Speaker 4 (27:51):
Perfect. Hold tight, We're going to get a value on
that car and try to tell you where you well,
where you're at. You might not like it, you might
like it.

Speaker 8 (27:59):
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(28:21):
at dozens of insurance companies find out now three three
seven to seven to one.

Speaker 5 (28:25):
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(29:03):
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(29:23):
about the rest, Frank durand homes dot com. I promise you,
Frank Duran homes dot com. Now, so we did a
couple things here over the break. So we have Michelle
her vehicle was taken by a relative. What did you
What did she say, John, her niece or nephew, something
like that.

Speaker 6 (29:44):
Yeah, and you said without my permission? But Michelle, what
is I mean? Is this the had he ever borrowed
your car before him? And he wrote he didn't steal
the car?

Speaker 5 (29:53):
Right?

Speaker 4 (29:53):
Yeah? Why did they say with that? Why did you
bring up that fact? Because if the insurance company wrote
you a check, I.

Speaker 6 (30:00):
Mean they must have thought he was a promissive driver.
Or was there was there some question about who was
at fault in the accident? No, that wasn't.

Speaker 18 (30:09):
My nephew was in fault of the accident. Yes, I
did let him drive before.

Speaker 4 (30:13):
No, wait, explain what happened in the accident. So if
he wasn't at fault, explain, to the best of your.

Speaker 5 (30:19):
Knowledge he was, he was at fault.

Speaker 4 (30:21):
Oh, he was at fault.

Speaker 13 (30:23):
Yeah?

Speaker 4 (30:24):
Are they possibly I go back to what I tried
to ask her? Are they possibly saying because that vehicle Dmitri,
what's it worth?

Speaker 1 (30:31):
Hey?

Speaker 11 (30:31):
On cars dot com there are tons of comps for
this particular twenty eighteen buke across with seventy thousand, and
it's a solid seventeen eighteen thousand dollars car, asking pride.

Speaker 4 (30:42):
And that kind of aligns with her loan. She's been
making payments for they years.

Speaker 6 (30:46):
Why did they take so much money off of your car?
Had it been damaged before or anything?

Speaker 13 (30:50):
No, it has not.

Speaker 16 (30:52):
And Mark, if she if she cashed the check already,
can she go back and ask for more money or
is it kind of like too late?

Speaker 1 (30:58):
I don't know.

Speaker 5 (30:59):
It may not be laid against their own.

Speaker 18 (31:01):
Insurance company check personally.

Speaker 5 (31:04):
Okay, good, well, hang on to that for right this moment.

Speaker 4 (31:07):
Is this possible, Michelle? That State Farm assigned some of
the blame of the accident to the other party.

Speaker 18 (31:18):
To my knowledge, I'm thinking, but I never got a
check day page, the state farm page. Yea, the loan company.

Speaker 6 (31:25):
I never paid directly, So Michelle, they have to I mean, listen,
there has to be a property damage adjuster. They got
assigned to the case, and that person's job is to
come up with the value of your car, you know,
case or your car if in fact it was total,
which it sounds like it was, so they have to go.

Speaker 18 (31:44):
Sorry, I did find all my paperwork for this insurance company.

Speaker 4 (31:48):
You have it right there.

Speaker 6 (31:49):
Here's Here's one of the things that I suggest that
people do is you tell that insurance company that you
want to see how they arrived at that value, and
they can provide you with It looks like an appraisal
on the house, so have comps. They'll show you what
they added and what they subtracted. Mark, remember on your accident, Oh,
mine was off by at what proved that they got

(32:09):
the wrong model and just black got it wrong. Mine
was so wrong it was crazy and you won't know
what they did wrong until you see that. And all
you have to do, since especially it's your insurance company,
is call up and say I want to see this.

Speaker 4 (32:21):
I still contend though there's something else going on here.

Speaker 5 (32:24):
There has to be.

Speaker 4 (32:25):
There has to be what paperwork you have right in
front of you? Do you have like a ledger arm?

Speaker 18 (32:32):
I have, yeah, it staple, But what is it?

Speaker 4 (32:35):
Does it have numbers on it? How they came up with?
Does it have that ten thousand dollars number on it somewhere?

Speaker 7 (32:41):
Yeah?

Speaker 4 (32:41):
I mean the quint Now, and here's what I want
you to do.

Speaker 5 (32:44):
Hold on, what was your deductible?

Speaker 4 (32:46):
Oh, there is a good question. That's a really good question.
I bet it's a thousand. But hold on, let's ask her.
And I say that because hey, Michelle, how much was
your deductible?

Speaker 18 (32:56):
And see, I'm not sure my husband takes care of
everything like that.

Speaker 4 (32:59):
So send us a picture. Here's what I want to do, Suzanne,
pick up. We're gonna go to break here in a second.
I'd like a picture of the settlement sheet if she
has it, en Tam, text it to you, alrighty, simple
as that. Three oh three seven one three A two
five five?

Speaker 5 (33:17):
And who is this?

Speaker 4 (33:18):
Jim? Jim, We're gonna go ahead and free you up.

Speaker 16 (33:21):
We're good, Yeah, he wants to hold I'm sorry to interrupt,
and I'm gonna call the scammer one more time over
break and see if he answers and wants to come on,
then I'll I'll kill kill Jim if I need to.

Speaker 4 (33:30):
Awesome, I love it.

Speaker 16 (33:31):
I wanted to listen in now.

Speaker 4 (33:32):
Also, we're gonna tell talk about Vestera Turnkey after the break.
These guys have a webinar coming up. I'm gonna explain
really quick because we're run out of time here what
we're gonna do. But I want Jim, Mark, Michelle. You
guys hold on, I'll be coming right back to you.
One line open, three oh three Martino three oh three
seven one three A two five five. But this Saturday
ten am. You can actually do it right from home.

(33:55):
You can do it wherever you want. It's a webinar,
but you're gonna learn how Vesteria Properties has made people
literally millions of dollars. They go find the right property
in the country for you. They find the right house,
the right economy, the right place. Then they find the
right people to manage it. While you collect rent. You

(34:15):
own the house. It's your house, you're renting it out.
Then as it appreciates because they found the right house
in the right area, whenever you want to sell it,
you sell it and it's all for like three hundred
and ninety bucks a year. It's incredible. We'll talk more
about that and a lot more coming up. I'm the
Troubleshooter Show.

Speaker 8 (34:39):
Go with a sure thing Denver's Best roofer Excelroofing dot com.

Speaker 9 (34:43):
You don't pay a cent until you're content.

Speaker 8 (34:49):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three O three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 5 (35:10):
Yeah, ripped up life. You know you're in the whole
shown as fast as we can.

Speaker 2 (35:25):
Show the Shooter's gonna help come Man.

Speaker 4 (35:29):
Dix is the Troubleshooter Show.

Speaker 3 (35:32):
No, Tom Martinez, Welcome, Welcome to the show, the only.

Speaker 4 (35:37):
Show of that's kind. Hey, listen, everybody listening, So we
got to scammer. I'm listen. I know I'm not doing
my normal intro, but you know the show we help
you solve problems answer questions, take complaints to the tune
of over three hundred million dollars. Suzanne's got one of
the scammers on. We had a call last hour and
this guy said, hey, all these people are calling me up.
They're telling me how to get seven hundred and fifty

(35:59):
thousand dollars. We got this guy on the hook. He
can't hear me right now, but he is gonna hear
me when I go back in a second. But I
do need to tell everybody out there, well, we don't
have any lines open, so that's not gonna work. But
help it troubleshooter dot com and don't forget three ZHO
three Martino if you want to get through and talk
to us, So tell Suzanne. She can put him back

(36:19):
on hold, and I'm gonna he'll be able to hear
me when he's on hold. Okay, body, hank Ty, it's
gonna be good. All right, Let's get him on hold.

Speaker 20 (36:29):
All right.

Speaker 4 (36:29):
So we have exciting news today. Check it out. We
have somebody. This is incredible and I'm hoping, I'm hoping
it's a real deal. But we have James. He's on
the line right now. I'm gonna go to James shimps.
I am so impressed by this. We had someone tell
us about your system how to get seven hundred and
fifty thousand dollars. How does that work?

Speaker 1 (36:54):
Well?

Speaker 19 (36:54):
I have to ask mister Quickley, he is the one
offering this.

Speaker 16 (36:58):
Mister Quickly start caller Mark on line three. He's saying
that he just told me that Jim's soliciting him for it.

Speaker 4 (37:06):
What what are you talking about? James? Seriously, do you not.

Speaker 14 (37:10):
Received the phone call from mister Quickly from Colorado? Yeah,
soliciting some funds from some kind of awards, sir, some.

Speaker 4 (37:21):
Kind of Wait a minute, are you turning the tables
on my guy? Are you trying to turn the tables?
Who's the I need to know both of you, both
of you right now, which one's the scammer. It's like
the cartoons where they're pointing at each other.

Speaker 9 (37:36):
Jim, are you the scammer trying to scam James?

Speaker 19 (37:39):
I believe this or Quickly? I don't have some explaining
to do.

Speaker 4 (37:43):
Mister Quickly, Do you got some explaining to do?

Speaker 13 (37:47):
Oh? By well, start off with a call from Consumer
Protecting Agency David Western Virginia. I referred me to First
State Insurance trust their name and phone number. Yep, and
now over to this James Miller, and they gave me
a claim number.

Speaker 4 (38:07):
All right, hold on, James, Hey, hold on, Jim. James, Seriously, man,
can I ask you a question? Sure, I'd really appreciate this,
I honestly would.

Speaker 1 (38:17):
Man.

Speaker 4 (38:19):
So look, I know what side of this this year on.
What I'd really like to know, though, is just the back.
We all get phone calls like this, we all do.
I mean, it's incredible. So like, where are you? Are
you literally in the country? How does it work? Do
you split the money? If you do get money? I mean,
how does please just explain how it works? I mean,

(38:42):
do something nice for everything work.

Speaker 19 (38:44):
I'm in my Manhattan and I received this phone call.

Speaker 4 (38:48):
I don't believe it.

Speaker 19 (38:49):
But now I don't understand what you're trying to am.

Speaker 4 (38:51):
Well, I'm trying to say, you're a big time scammer.
That's what I'm trying to say. And I was hoping
for one time. I was hoping for one time in
your life, one time in your life you could actually
help people and tell us how this works. He hung up,
He hung up, out out, he hung up, Hey, Jim,

(39:12):
he hung up by me I believe you, man, there's
no doubt that guy is involved. Suzanne. When you first
called him, what did he say? What did you tell him?

Speaker 16 (39:21):
I told him, I said, we're a consumer advocacy show.
We are understand you're getting out seven hundred and fifty
thousand dollars rewards. And Jim Quigley said, you would be
happy to explain how to do that for our listeners,
and he said he'd come on. And then when I
went back to him while you were introing the show,
he was trying to tell me that Jim was scamming.

Speaker 4 (39:39):
Him, so he changed it. Yah, yeah, so I do.

Speaker 16 (39:42):
That's going to be sort of turn of events when
you brought him on.

Speaker 4 (39:45):
Yeah, that was crazy.

Speaker 5 (39:46):
Who's given me seven hundred and fifty grand? That's what
I want to know?

Speaker 4 (39:49):
Yeah, I know who's Who's one.

Speaker 5 (39:51):
Of you guys is responsible for my seven fifty?

Speaker 1 (39:53):
Lord?

Speaker 4 (39:53):
Hey, Jim, out of curiosity, what was ultimately how would
you get to seven fifty? We know the three people in,
but what was the whole scam? You send them five
grand to pay the prize money.

Speaker 13 (40:05):
Now I send them one percent seven thousand, five hundred
dollars for the insurance pause. They put on I didn't understand,
and they this is a great part. I said, what
about income text by get this money? Oh, the insurance
company paid two hundred and thirty thousand dollars on insurance.

Speaker 4 (40:28):
Wow, so they paid your insurance on the taxes. They
paid your taxes.

Speaker 13 (40:32):
You're going to give me one hundred and fifty thousand.

Speaker 4 (40:34):
Yeah, well you know what. I am so glad you
got involved, and I'm glad you called up too. I
was really hoping. I was honestly hoping I could reach
into this guy's soul and get some real information. I
have no idea where he is, but I would guess right.

Speaker 9 (40:50):
Cuba, he's in New York, and I have he's not
in New York.

Speaker 4 (40:53):
Do you think that guy lives in Manhattan? Well, no,
he might live in the subway system in Manhattan.

Speaker 16 (41:00):
I called for his voicemail. Was a New York area coach.

Speaker 4 (41:03):
Just so you know, No, no, no, I know. But so
everybody out there knows, and some of the older people
probably don't. But here's the bottom line. You go to Google,
you set up an email.

Speaker 1 (41:11):
You can get a.

Speaker 4 (41:11):
Google number for free, and you can pick basically whatever
area code you want. In the world and you don't
even pay a nickel for it.

Speaker 16 (41:17):
Honestly, he didn't sound foreign to me. Did he sound
foreign to you?

Speaker 4 (41:21):
He said something that reminded me of Cuba.

Speaker 20 (41:25):
Huh.

Speaker 4 (41:26):
I don't even know what Telly said. Huh, what did
he say, Barry? Didn't he say something about Cuba?

Speaker 20 (41:32):
As soon as he got on His first words were not.

Speaker 1 (41:35):
Or maybe breaking?

Speaker 4 (41:36):
Ricardo? Did I hear a lucy thing in there?

Speaker 13 (41:39):
No?

Speaker 20 (41:40):
Did you know that was you?

Speaker 11 (41:42):
Because you said you guys got some splaining to do?
What your reference?

Speaker 4 (41:48):
I think he said that first. I picked up on him,
so I threw it back out.

Speaker 20 (41:52):
Oh, very good.

Speaker 4 (41:53):
So when he said that, I was thinking maybe Cuba.
I thought it was something. Yeah, yeah, bubble Loup playing
in the background. Is it Cuba or Cuba? I believe
you're asking? Yeah, it depends, so you're asking. So, Hey, Jim,
I appreciate that call, man. That was a That was
a good one, Thank you, sir.

Speaker 13 (42:13):
All Right, if they get any calls from Consumer Protection
Agency out of Virginia or First State National.

Speaker 4 (42:20):
Or anywhere trust or any bank, any of those things, yeah,
or any insurance guys.

Speaker 1 (42:25):
I just don't.

Speaker 13 (42:25):
I just don't want any other seniors getting scammed out
of their money. I appreciate your help.

Speaker 4 (42:29):
Yeah, you got it, the bottom bottom line, folks. And
I mean, it's so weird these days. You got to
re emphasize this, but it happens. My old man got
uh somewhat taken, not for a lot of money, but
someone hacked. You know, he sells he he doesn't now
he's in his eighties, but he sold some homes in
the retirement uh neighborhood he's in and pretty much just

(42:50):
right around that area. And his boss, okay, actually got
her email hacked and sent him an email along with
her other employees. And the email said, Hey, I'm out
of state right now and I really need to send
a few people some Amazon gift cards. Please get them ordered,

(43:13):
send me the number, and then you know, bomb, bam bam.
So my dad bought five hundred dollars in Amazon gift
cards because it legitimately came from his boss's email. But
anybody out there, if anybody asked for gift card money
or cash or anything, just don't do it. There's no
other better way to say it. Three three seven, one
three two five five. Let's say Mark, hey, hey.

Speaker 16 (43:36):
If you check your email here you and John both.
I'm sending over the documents for Michelle's settlement on her
vehicle that was totaled. Should be in your inbox the
next ten seconds.

Speaker 4 (43:47):
So people just joining us. Michelle called last hour. Her
vehicle got totaled. It was somebody else's fault, but it
was her insurance that ended up paying the full amount.
And basically she is short eight thousand dollars and we're
trying to figure out why the insurance company only paid

(44:07):
ten grand on an eighteen thousand dollars vehicle that was totaled. Denmark,
you'll be up after that.

Speaker 8 (44:19):
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dot com.

Speaker 9 (44:23):
You don't pay a cent until you're content.

Speaker 8 (44:28):
Time for an insurance checkup, free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three O three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

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(45:57):
net now three O three seven one three eight two
five five go ahead interrupt.

Speaker 16 (46:03):
But with Michelle in the auto insurance issue, you wanted
a couple extra documents. She's gonna text those over to
me and I'll get them to you. So we're gonna
put her on hold for just a hot minute.

Speaker 4 (46:13):
I love it. So Michelle called up and she only
got ten grand eighty and then we'll try to get
petty details on for a real value of that car.
There's a couple of things they could be happening with Michelle.
Here's one of them. She paid for Gap insurance, like
she said, and she really did pay for it, but
the dealership never sent it to the Gap insurance company,

(46:34):
so they denied the claim because they don't even have
a policy on her. The other thing that could have
happened is they just flat out denied it because some
of them are sleazily as sleezy as hell, John, you
deal with auto accidents all the time. How often does
gap insurance come up where there's an issue getting the
money from the policy?

Speaker 6 (46:52):
Yeah, the bulk of the time we see problems with gap.
It's it's process problem. So it's it's not reading the
how to make a claim section and following it to
the letter.

Speaker 5 (47:02):
Yeah.

Speaker 6 (47:02):
So if they say claims can only be made on
the first Tuesday following the accident, and you wait till Wednesday,
they're like, sorry, sorry to follow the process. We're going
to deny the claim. And that's that's how they get
out of a lot.

Speaker 4 (47:14):
And we're going to ask her when we get her
back up and get those documents. I'm hoping they have
the original sales. I'd like to see the other thing
I was thinking about. That's actually I love that. I
can't wait to look at it. Here's why. Let's say
she had eighteen thousand. What she says she had a
loan for eighteen She's been paying on it for two years.

(47:35):
I'm just going to assume let's say the original loan
was twenty thousand. I wonder how much of that twenty
thousand was the mopp and glow. I wonder if there's
a service contract in there for three there's a windshield
contract in there for one thousand, or.

Speaker 6 (47:50):
If she could have been upside down bringing a trade
in to the table before it, or could have been
negative equity rolled into the day rolled in. You never
know what exactly until you see that order.

Speaker 16 (48:00):
Michelle, here's a good box, just so you know what's
happened box.

Speaker 4 (48:05):
While John's looking over at that Mark, What is going on?

Speaker 1 (48:10):
Man?

Speaker 4 (48:10):
What's happening?

Speaker 1 (48:11):
Hi there?

Speaker 12 (48:12):
Mark?

Speaker 10 (48:14):
I wanted to find out if you have any advice
on claiming an abandoned vehicle. We have a vehicle that
was left at our complex. It looks like the tenant
moved out, parked the vehicle in the guest parking. It's
been there almost a month.

Speaker 4 (48:28):
Is it just is it like a rundown jeelopie or
what do you got?

Speaker 10 (48:33):
Late later model Jeep Renegade unlocked. The keys are actually
in it all I know. For all I know, the
title could be in there.

Speaker 4 (48:39):
It's either it's probably either out for repo or it's stolen.
I mean, I call the cops.

Speaker 10 (48:44):
Yeah, yeah, we called the cops. There's no missing person's reporting.
It's got a valid license plate with still not expired plate.

Speaker 4 (48:51):
But the keys are in it and everything. I wonder
if it's like a setup vehicle. I mean, why the
hell would someone leave a later model Jeep with the
key in it. I mean maybe they want it stolen
to cash out of the loan or something.

Speaker 5 (49:04):
I've seen videos like this on YouTube and stuff.

Speaker 4 (49:07):
I've seen an episode of Sign we think, just saying
the car smelled. So he threw his keys to a
bum and was like and then the bum gets in.
He goes, oh, no, it smells too bad. Where where
is it? Mark?

Speaker 1 (49:23):
Uh?

Speaker 10 (49:23):
In Lakewood? In a UH condominium complex?

Speaker 4 (49:27):
Well, who who is your tower?

Speaker 10 (49:31):
We haven't contacted a tower. We haven't made management and
aware of it yet. We were waiting to see if
they'd come back and get the vehicle.

Speaker 5 (49:37):
I'm sure after going on the radio, it'll be gone
this afternoon.

Speaker 11 (49:40):
You know.

Speaker 1 (49:40):
Yeah, it was.

Speaker 4 (49:41):
Oh my god, John, that's unbelievable. You know what this
could be. This could be the guy. This could be
the guy. It's an entire setup, Mark or you in
cahoots on this.

Speaker 6 (49:55):
No way, hose you have another payment, dude next week.

Speaker 4 (49:58):
That is crazy. It's like, Hey, the keys are in it,
it's it fourteen.

Speaker 6 (50:03):
It seems like it has a full tank of gas.

Speaker 4 (50:05):
It's full taking and there's a wallet. There's a wallet
right there in between.

Speaker 6 (50:10):
It looks like a hundred sticking out of the wallet.

Speaker 10 (50:12):
I moved the vehicle out onto the street.

Speaker 4 (50:15):
I would not do that mark, I wouldn't get it.
Don't get your finger printing. Moving to the cops. I
asked you about the community there, because generally at condos,
town homes, apartment complexes, everywhere there's signs for a tower
it used to be Wyatts or whoever. I'd call them

(50:35):
up and tell them to get it to hell out
of there. It doesn't belong there.

Speaker 10 (50:38):
So I don't have to be management to have it
towed off.

Speaker 4 (50:40):
Well, no, I would tell management to get it to
out for sure.

Speaker 5 (50:44):
It has to be management.

Speaker 4 (50:45):
Why does it bug you that it's there just out
of curiosity?

Speaker 10 (50:50):
Well, if our guests parking, they could. They have their
own guests parking at different buildings, so it kind of
disrupts our guests when our guests come in. Then I
have to park on the street.

Speaker 4 (50:59):
Well yeah, I would. I'd go right to wherever your
management is or just call them and say, hey, this
thing's been there thirty days, it hasn't moved.

Speaker 10 (51:08):
Okay, But there's no real process. I guess ultimately would
end up at the city auction or something like that.

Speaker 4 (51:12):
Now that is the process. What would happen is they
would call up the tower, the tower would come get
it because it doesn't belong there. I mean basically, if
they have posted signs there, the tower would come get it.
They would bring it to wherever they bring it and
store it, and then the owner would be notified by
the registration. And if it's sat long enough, I mean,

(51:33):
then the towyard would the towyard would figure it out
it had a liquid intact, and then if there was
a loan on it, what's good for the towyard. Well,
this is a cool part for towyards. If there is
a loan on it, they end up getting paid for
the storage and the tow and everything by the bank
because the bank wants a vehicle back.

Speaker 1 (51:53):
Yeah.

Speaker 4 (51:54):
But yeah, there's nothing you're gonna do. You're in no position.

Speaker 10 (51:57):
One more ask one more question and make one more comment. Sure,
who's ultimately responsible for the roads and the highways, especially
through the city and the Denver metro area.

Speaker 4 (52:07):
What do you mean, who's responsible for what all the potholes?
What do you mean?

Speaker 10 (52:11):
Yes, well, it really bad and I think Governor Polis
needs to do something about it. Well, my quick comments.

Speaker 5 (52:18):
Thinks a pothole hotline.

Speaker 4 (52:20):
I mean that's more of a yeah, I know, dial
nine and we'll show up and fill that pothole within
the next twelve years.

Speaker 10 (52:27):
All the way west, all the way out to the east.

Speaker 1 (52:29):
Really bad.

Speaker 4 (52:30):
Well, i'll tell you where. It's funny as hell. If
you take what's that back highway into four Collins, if
you go Armshair, you go to four Collins and you
cut over Laramie.

Speaker 11 (52:41):
It's a beautiful drive.

Speaker 4 (52:42):
The second you get out of Colorado. Beautiful in hit Wyoming,
absolutely like you're in a Cadillact that's brand new with
the best suspension, airport quality pavement. And then on the
Colorado side, it's hang onto your hat and that's like
it twenty five going any direction.

Speaker 5 (53:00):
Yeah, it's the same.

Speaker 6 (53:01):
On seventy coming in from Kansas, it's just gorgeous. And
then you hit the state line and.

Speaker 5 (53:05):
You're like, hang on for dear life. You're all over
the road.

Speaker 4 (53:08):
And what's that area on seventy where you go way
past Grand Junction and then you come to those big
bridges that wind around before you go into Utah. You're
on bridges that are way off to ground, winding around
those things. You're so far off the ground it's crazy.
And there's potholes the size of basketballs everywhere. Yeah, it's insane.

(53:31):
So to answer your question, who's in charge of the roads, Well, apparently,
I guess ultimately Polish, I mean really right, Yeah, I
mean who.

Speaker 6 (53:40):
Else literal the city. It just depends on what roads
you're talking about.

Speaker 4 (53:44):
Everything's priority, you know, John, we had a car or
not one car. So I had a good year years
ago right at I seventy Impuria and a pothole opened up.
I think it was during the winter, but this pothole
was literally taking tires off and blowing stuff up. I
mean it was massive, and I had four or five

(54:05):
get dropped off in my parking lot because we were
right there by literally the city because they had to
get the cars off the street and they needed everything
from bent Rims. They all needed at least one tire,
but bent Rims someone mad control arms, bend everything. And
you know, ultimately there was one guy there that was
going to fight the city, and you know he was

(54:27):
gonna pay for those repairs. He owed maybe five hundred
and six hundred I don't remember, but no one got
a nickel. City didn't pay for a damn thing. So,
I mean that's just the way that rolls, man. I mean,
that's part of driving on our highways. So I assume
when they get really bad like that, they fix those first,
and that's all they're dealing with. But Colorado is a
joke when it comes to freaking the highways, it really is.

Speaker 5 (54:51):
I agree.

Speaker 4 (54:52):
Were do you in Georgia?

Speaker 20 (54:53):
Where the roads good? You know?

Speaker 5 (54:55):
I don't really remember.

Speaker 6 (54:58):
I mean they seemed good. Yeah, But I've been out
here for like thirty five years though, So go ahead, Barry.

Speaker 20 (55:04):
I grew up in Pennsylvania, and everything you're talking about
is not nearly as bad as it was decades ago.

Speaker 1 (55:12):
Ye.

Speaker 20 (55:12):
Still, Pennsylvania is even even.

Speaker 4 (55:14):
Worse as if you grow up there.

Speaker 20 (55:16):
Well, Ekespeare, Pennsylvania.

Speaker 4 (55:17):
I don't know where that is.

Speaker 20 (55:18):
Well, that's like fifteen miles from Scranton. Don't kick me out.
I know where that Scranton I was.

Speaker 4 (55:25):
I lived in Westchester, PA.

Speaker 20 (55:27):
For four years. I worked near there, Ridley Park.

Speaker 4 (55:30):
Oh yeah, all right, everybody, hold tight, we're going to
come back. We're going to talk to a problem with
Oh wait, we're waiting on that. I have two lines
open three oh three seven one three eight two five five.
We want to hear from you any questions you have
three zero three seven one three talk.

Speaker 8 (55:52):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only

(56:14):
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 (56:25):
Man, we are getting to the bottom of this insurance
one slowly, but surely. We've got some questions we want
to ask. Brian over at Compass Insurance, Suzanne send them
some stuff over, but really interesting stuff we have found
and we have all the numbers, and I'm pretty sure
we can put this together. Uh, but John Fuller found

(56:46):
some stuff. If you have gap insurance and paid for it,
when you hear the exclusions in this person's policy, you're
not gonna believe it. I mean, they're incredible. I don't
want to get into it until we get Brian on though, John.
But They're absolutely incredible. Now I do want to talk
to vest E as simple as that. Hey, Barry, when

(57:07):
did you start doing property deals? Be honest? Twenty three,
twenty oh three, and you basically find great little pockets
in the United States, of course of booming economies.

Speaker 20 (57:19):
Heavy research, we find booming economies for the next three
or four years, not flashing the pans. H Yeah, there's
a different.

Speaker 4 (57:27):
Give me an idea of one. I mean, maybe it's
not a current one, but give me an idea. And
why was it where you guys started looking for properties?

Speaker 20 (57:34):
Well, Albuquerque, New Mexico was one of our hot spots.

Speaker 4 (57:37):
I got If you told me to buy a place
in Albuquerque, I'd be terrified. Yeah, why is that? Though,
it's so undervalued, undervalued?

Speaker 20 (57:44):
But the economy they were booming then we're talking six seven, eight,
got it, et cetera. Bringing jobs in. They have government
security jobs, they're in defense. Okay, okay, in the not military.
But Colorado Springs was a hot spot until AT priced
itself out just three years ago. AT price itself out.

(58:06):
So it doesn't matter.

Speaker 4 (58:07):
If it's in I'm just using states, New York or Mississippi.

Speaker 20 (58:10):
Doesn't matter. We have fifty states from which to choose.

Speaker 4 (58:13):
We search everything, and you're looking for the hottest upcoming economy.

Speaker 20 (58:18):
Hottest upcoming economy, I mean we're talking the top five
or six economies.

Speaker 4 (58:23):
Then you find the property.

Speaker 20 (58:25):
Then we find the neighborhoods, and then the property.

Speaker 4 (58:28):
Now are the properties ever townhomes or condos or they're
always single family? What's what's or they're all the above?

Speaker 20 (58:35):
Uh, single families ninety seven ninety eight percent. Yeah, we
have one now, but it's two hundred and fifty dollars
a month. HOA Ye for a two hundred and fifty
thousand dollars.

Speaker 4 (58:45):
Property that's out of line. Yeah, it don't make money
on HOA. You're punching all this math when you're looking
for all of it. And then these properties that you
guys buy on behalf of the investor.

Speaker 20 (58:56):
The investor buys them.

Speaker 4 (58:57):
We don't, but I'm saying that you find I got
behalf of the investor. They're in good shape, ready to rent.

Speaker 20 (59:03):
That we do the tip top shape, no deferred maintenance
for the next city.

Speaker 4 (59:09):
We're not talking some fix and flip deal.

Speaker 20 (59:12):
Opposite end of that. Cherry pick cherry picking the best properties.

Speaker 4 (59:17):
So you find the house for me. Let's say it's me,
and then basically I buy the house. I can go
through a mortgage, I can pay cash whatever I buy.
All that for you.

Speaker 20 (59:26):
We shot lenders, we shop property managers, everything.

Speaker 4 (59:30):
So then you put that together and boom, I own
the house. Then you guys find someone that could manage
the property for a while, and they come in and
they rented out. They check the tenants, they know the rules,
they're in that area, and that's what they do.

Speaker 20 (59:46):
Top managers we even oversee them, so you don't even
have to interface with them if you don't want so.

Speaker 4 (59:51):
I collect my rent check every month, and then after
X amount of time, if I need the cash, I
could sell it the next week, I guess.

Speaker 20 (01:00:00):
Or you could get a second loan on it at
any time. I mean, whatever I want with it, do
whatever you want to sell it, whatever I want fairly liquid,
is what I'm saying.

Speaker 4 (01:00:07):
Yeah, there's no negotiations as far as I don't have
to contact you and I want to sell it either.
If I just want to sell it, I can.

Speaker 20 (01:00:15):
Sell it anytime, anytime, anytime.

Speaker 4 (01:00:19):
And you guys only charge what for everything we just
talked about. It's ridiculous.

Speaker 20 (01:00:24):
The only direct fee our customers ever ever have an
option to pay us if they want to. Three hundred
and sixty dollars a year.

Speaker 4 (01:00:32):
And what's that for.

Speaker 20 (01:00:33):
That's for overseeing the property manager and giving you extra
economic reports, helping you decide when is a good time.

Speaker 4 (01:00:41):
Okay, so I'm going to ask the base question. Man,
here's the base question. How do you make money? How
do we make money? Good question? Thank you, thank you, Mark,
good question.

Speaker 20 (01:00:50):
Okay, when you buy a property, when you buy that
investment property, the real estate broker got paid on your
behalf got a percentile? Yeah, typically two and a half percent.
We're big advocates of that, not three. We think three
is gouging by the way, got it. But in any case,
two and a half. We get a big chunk of
that real tour's commission because we gave you to them,

(01:01:15):
We did the word.

Speaker 4 (01:01:16):
But that's where the money's atten, right, that's where the
money is.

Speaker 20 (01:01:19):
We get paid by the real estate broker who's your broker,
and they give us about half of the commission.

Speaker 4 (01:01:25):
And then what is the success rate? You said, oh three,
so we're we're twenty four, twenty two years in give
me a success rate.

Speaker 20 (01:01:34):
I'll give you the success rate for the most recent
five years. That's the most important five years. It was
very good prior to that, but kind of irrelevant historical, you.

Speaker 4 (01:01:43):
Know, I mean coming after eight to ten.

Speaker 20 (01:01:46):
Yeah, yeah, yeah, I mean you know, that was a
slow down there, et cetera. And we save people money
and they didn't lose money in those years. That was good.
But we reactivated it big time in twenty nineteen. We
do not have anyone anyone who has made less than
thirty to thirty five percent on whatever their annualized basis

(01:02:08):
of their cash. Cash on cash, keep it simple, cash
on cash. That's what we make more money on it.
This year twenty twenty four, no one was making less
than forty two to forty three percent on their money.

Speaker 4 (01:02:23):
Wow.

Speaker 20 (01:02:24):
So we have the track record. We have it clean.

Speaker 4 (01:02:28):
It's nothing in Colorado, by the way, though, nothing in
Colorado to the top of the market.

Speaker 20 (01:02:33):
We have certain guidelines that are proprietary that Colorado doesn't
meet because of our high prices.

Speaker 4 (01:02:42):
So John, I was looking at a place in Nebraska,
in a little town called Scott's Bluff, and they had
some brand new duplexus. I think they were duplexes, but
they were big houses, two thousand square foot duplexus, and
I was singing a buying two of them, and I
sent you the huh And I said, Barry, I mean,

(01:03:02):
what do you think of this? Just the property? And
he basically emailed me back the next day a full
report on it, and the bottom line was, don't touch
it with a ten foot pole no matter what you do.
There's no economy out there. You know, the biggest that
there's like a sugar plant, and then there's Walmart, and
then there's basically everything in a nursing school, and it's

(01:03:23):
pretty much there's nothing going on there, and the market
is crazy to buy out there. That's fun investment profit.

Speaker 20 (01:03:29):
Flat line instead of a big curve upward.

Speaker 4 (01:03:32):
Yeah, flatline or less. Because those guys weren't even really
playing ball with what I was willing to offer, but
I was looking at buy in two. Look, I got
to take this break. But listen, Barry in the gang
this Saturday, ten am. It's only forty five minutes.

Speaker 5 (01:03:48):
Huh.

Speaker 4 (01:03:48):
But what if people say, I'll ask you after this
what they expect and then Michelle, we're going to dig
back to that. Listen, I do have some lines open.
Anybody out there has any questions three oh three seven
one three two fo We got our expert, Brian Burns.
We're gonna dig back into Michelle's and figure out why
she still has a loan for eight thousand dollars. I
love math, you know I love math, John, because it's

(01:04:11):
always correct. Math is always correct. There is a reason
Michelle still ows eight thousand, but yet her vehicle was
totaled and it appears as if she had proper coverage
through the gap insurance. There is a reason there, and
we're going to get to the bottom of it.

Speaker 8 (01:04:32):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content
than time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three oh
three seven to seven to one help. You'll think you're

(01:04:52):
his only customer when you choose Frank durand the real
estate Man dot com to list your home with Remax
Alliance three oh three to zero sixteen twenty two.

Speaker 1 (01:05:02):
Yeah, ripped.

Speaker 9 (01:05:08):
Bad news.

Speaker 2 (01:05:10):
Need advice, so you don't have the come running just
as fast as we can. Show Shooter's gonna help coming. Man.

Speaker 4 (01:05:21):
This is the Troubleshooter Show.

Speaker 3 (01:05:24):
No Tom Martinez, Welcome, Welcome.

Speaker 4 (01:05:28):
To the show, the only show of us time. We're
here to solve problems, answer questions, take your complaints. Three
oh three seven one three eight two five five. We've
got a great show going on here. If you have
any questions or have any problems, maybe a bad contractor
you want to expose, or maybe somebody we can help
you try to recoup some money, maybe a bad landlord.

(01:05:49):
You get the idea. That is what this show is about.
Over forty five years, Tommy boy has been doing this,
in fact, the longest running show with the same host
in the country. Yeah, that's a pretty impressive deal. Yeah,
I mean, what else did you say about that? Hey,
we've been digging in and I've got an expert at

(01:06:09):
Brian Burns by the way in studio with me, Deputy
Dmitri and then Barry Miller. He's with Vestera Turnkey And
if you have any questions on buying property being a landlord,
it's a great time to call. Honestly, he knows everything
about that. And then John Fuller assisting me to my
left ear attorney at law, friend of the show, friend
of ours, and he's a personal injury attorney. So Michelle

(01:06:32):
called in and interesting enough, her nephew was it her nephew, Hey,
Michelle's your nephew, right, Yes, he borrowed her car. He
lives with her and borrowed her car. He's only sixteen.
And I'm saying this recap for listeners and Brian burns
and he borrowed the car, took it, and he wrecked it,

(01:06:53):
and he wrecked the car. And on top of that,
All State Nohl State Farm paid out ten thousand dollars
for the car, so her finance company got to check
for ten grand, but she still ows eight. So there's
a lot of different pieces going on here, Brian. I'll
bring you in in a second, but some of the

(01:07:13):
other pieces going in out of that cell order John.
She bought that car for thirty thousand, and then she
spent four thousand dollars on a service plan, and then
she spent five hundred and something on the gap plan,
and then you add tax, and you had other stuff
like that, her gap insurance. Brian, if I had all

(01:07:40):
the exclusions. We might be here till Friday, but Dragon,
I want you to play some of them that John
read directly from her policy.

Speaker 6 (01:07:51):
Total loss resulting from dwidui or any intentional act forgery,
or any criminal or illegal, intentional, willful, reckless, negligent, or
want an act committed by you or any authorized driver.
Loss resulting from war, whether or not declared, invasion, civil war, insurrection, rebellion, revolution,
civil commotion, disturbance, riot, or action taken by any governmental
authority in dealing with such.

Speaker 4 (01:08:11):
Now, after John put that together for me during the break,
he found what another twenty things they don't cover.

Speaker 5 (01:08:19):
I mean those were just the important ones.

Speaker 4 (01:08:22):
Yeah, we just listened the one of course, because the
Trump insurrection. So I guess if you were a January sixth,
could happen. Yeah, it could happen. Now, I don't understand
the Civil war one. I guess if we break out
in the Civil war again, then no coverage.

Speaker 6 (01:08:38):
You really have to distinguish between invasion, civil war, insurrection, rebellion, revolution,
and civil commotion, and those are all slightly different.

Speaker 4 (01:08:46):
And I can tell you this if you're calling up
trying to get your car covered by GAP during any of.

Speaker 6 (01:08:55):
Those things you're having a debate about whether it was
revolution or civil commotion.

Speaker 4 (01:09:00):
You know, I don't even know like how they do these,
but the first ones, let's go right to the fact
that I'm gonna ask Brian Burn some questions. But really
the first one is if you do anything wrong. I mean,
basically it alludes to if you run a stop sign,
you have no coverage.

Speaker 6 (01:09:16):
Well, I mean, listen, here's the deal about GAP insurance.
They write this stuff with the hope that should anything happen,
they never have to pay. I mean, they didn't set
out to put this policy in effect so that they
can pay out any.

Speaker 4 (01:09:29):
Type don't have to make money. Yeah, and so.

Speaker 6 (01:09:32):
They've tried to exclude. Now, let's just be honest about
what we're dealing with. We had an unlicensed driver that
wasn't supposed to be out there, that committed criminal quote
unquote acts that he was charged with by causing this accident.
And so in that first line where you talk about
you know that he was he committed illegal acts, he

(01:09:54):
committed negligence. I mean, they've got the grounds to deny
this lady the coverage that she bought and paid for
multiple reasons unless she was completely not at fault for
the accident.

Speaker 5 (01:10:06):
Okay.

Speaker 6 (01:10:07):
And then when I say less she, I mean she
or any authorized driver, which this kid was. Yeah, okay,
unless she's completely without fault. I read this contract to
mean that they have no liability. Well let me let
me let's go to this.

Speaker 4 (01:10:21):
When you talk about permissible, she's saying he didn't have permission,
But we asked her, has he driven the car before?
And Michelle, you're there, you said yes, he has so
explain to people, John, why even if he borrowed it
later right that it would be there was permission.

Speaker 6 (01:10:44):
So we deal with this sometimes where you know, we
we get into whether or not somebody is a permissive driver,
and if they're a permissive driver, then the coverage of
the owner is going to apply to the permissive driver.
In some Saints it's not like that, and they go
to their own insurance first, but in Colorado we we default.

Speaker 5 (01:11:04):
To the owner's insurance.

Speaker 6 (01:11:05):
So the rule in Colorado is basically, if you've ever
been a permissive driver, you're always a permissive driver.

Speaker 4 (01:11:13):
But in this case, the kid did he I just
really want to go down this. I mean, he broke
every other rule to every rule but just on this one.
If if he he never drove the car with a license,
he drove it with who, your your daughter or somebody Michelle, Yes,
he's drove with my daughter.

Speaker 18 (01:11:31):
She is a driver's bcen. She just have a driver's bycense.
And I also wanted to say that that day he
took my car, I was in the shower, right, I
didn't even know.

Speaker 4 (01:11:40):
I understand you had to you he might as well
stole the car.

Speaker 6 (01:11:43):
But let's let's just say that the roles were reversed
and and he wasn't at fault for the accident. And
you would say, so what if he doesn't have a license.
The other person was was at fault. They should be
responsible for paying it. And we're not going to let
him get out by saying he didn't have a license. Okay,
So it's good for the goose, it's good for the gander.
I'm okay with the fact that he's a permissive driver.

(01:12:05):
My whole point is, under this contract, I think they
can look at two or three of these provisions and
say this gives us the legal out.

Speaker 4 (01:12:14):
Does it not have it if you break the law?

Speaker 6 (01:12:16):
Yeah, if you're negligent, Well, hell, that's the definition of
being at fault for any.

Speaker 4 (01:12:21):
Act wear in someone run a stop sign if you're negligent.
Think about that. So basically what it comes down to.
And I want you to keep holding on, Michelle, hold
on now. I want to bring up Brian Burns. Brian,
real quick, I want you to listen to this. I
know you heard it, but I got to play it again. Dragon.
Would you hit that again?

Speaker 6 (01:12:42):
Total loss resulting from DWI dui or any intentional act forgery,
or any criminal or illegal, intentional, willful, reckless, negligent or
want an act committed by you or any authorized driver.
Loss resulting from war, whether or not declared invasion, civil war, insurrection, rebellion, revolutions,
civil commotion, disturbance, riot, or action. Take it by inner
governmental authority in dealing with.

Speaker 4 (01:13:02):
Such So, Brian, simple question, you know. And by the way,
he found another paragraph of things like that that we
didn't have time to get on there. I mean, is
gap insurance just one hundred percent a joke? Or is
there some companies that actually sell you gap insurance where
this particular thing would be covered or are all of

(01:13:23):
them only covering like this one it appears to do.
Is if you get hit by somebody else and you
have no negligence at all. It literally says if you're negligent,
they haven't out.

Speaker 15 (01:13:36):
Yeah, I Suzanne sent me over the actual contract, so
I read that. First off. I'm shocked that it's great radio.
If John just wants to read every single exclusion on there,
it'd be really interesting to hear.

Speaker 4 (01:13:46):
Well, I'm going to have them start doing voiceovers for
our investment companies.

Speaker 15 (01:13:52):
No, I will tell you. I obviously all the insurance
companies offer some sort of loan or lease gap. I
pulled one up just at random to look. There's not
even close to the number of exclusions listed. I've never
seen one where it has an exclusion for basically, if

(01:14:13):
you're at fault in an accident, they're not going.

Speaker 1 (01:14:15):
To cover it.

Speaker 4 (01:14:15):
That's exactly.

Speaker 5 (01:14:16):
It is exactly.

Speaker 15 (01:14:18):
I've never seen that. I will tell you on the
flip side, just to be fair, Well.

Speaker 4 (01:14:23):
Hold on, hold on, Brian, I want to I want
John to tell you something to go to the rust
and stuff. Wasn't that on there?

Speaker 5 (01:14:31):
Oh?

Speaker 21 (01:14:31):
Well, I mean that's they started talking about the total
loss caused by the following wear and tear gradual deterioration
obsolescent rust, corrosion, latent defects, inherent failures, freezing, overheating, you know, nuclear.

Speaker 11 (01:14:47):
I mean, everything is an inherent failure, that's anything.

Speaker 17 (01:14:52):
Yeah, Chevrolet, Well, I'll tell you that a loaner least
is going to follow the language of an auto policy,
and auto policies are.

Speaker 15 (01:15:04):
Going to exclude wear and tear. In general. You're not
going to see any auto policy cover you for that
kind of damage or mechanical or anything like that. So
the loaner lease gap coverage would follow suit.

Speaker 4 (01:15:15):
Yeah, but the only reason this cover, really, the only
reason gap is there, is to help you pay the
loan off.

Speaker 5 (01:15:21):
It's really just for accidents.

Speaker 6 (01:15:23):
Nobody cares about all that other war and commissioner cares.
We're just talking accidents. But I've never personally seen one
that excludes an accident that you were at full time.

Speaker 4 (01:15:31):
Either, So you don't have the ones you sell. Basically,
if you run into a rock and it gets totaled,
you're going to get your gap insurance of course.

Speaker 15 (01:15:40):
Now, but what I was trying to go with being fair,
this policy, as far as I could read, would actually
cover the carryover that she had on the loan, and
most loaner lease gaps will not do that.

Speaker 4 (01:15:53):
Yeah, but it doesn't cover anything.

Speaker 6 (01:15:55):
Basically, it covers up to one hundred and fifty percent
of the basically the MSR at this at the time
of the sale, which is great. But and it doesn't
even have a sliding scale, which is great. But if
they don't cover it because of your negligence, then who
cares about that?

Speaker 1 (01:16:09):
Agree with you?

Speaker 5 (01:16:10):
Yeah?

Speaker 4 (01:16:10):
And they never for people listening out there, they never
ever cover the mop and glow. You buy a four
thousand dollars service policy like she did you buy you know,
two hundred dollars windshield and five hundred dollars key and
undercoating and all that other crap. Uh, none of that's
covered zero. That's crazy, Brian. I've just never seen one

(01:16:33):
that there's no coverage. So Michelle, I'm hoping you understand
where you sit, you have no coverage. Yeah, it sucks,
doesn't it?

Speaker 18 (01:16:43):
It really does? Because I post full time. I thought
I got full coverage insurance. I had the gap that
get you made it sound like gaps like for sure,
like something you I should get and four nesting pretty much.

Speaker 16 (01:16:53):
I guess market shucks because she went through all the
steps to cover her ass and cover her I know
she's totally screwed.

Speaker 9 (01:17:02):
They slim Flammer and Michelle.

Speaker 4 (01:17:04):
I'm gonna give you some advice, and it's real world advice.
You now owe eight thousand dollars on a vehicle you
don't have, and you have zero money to go towards
a vehicle, right right right, there's gonna be places out
there that are gonna turn that into negative equity. They're
gonna sell you a car for ten thousand dollars more
than what that car's worth. Okay, because you really have

(01:17:27):
no money, So you're you're gonna walk into something very
high interest rate, very high overpriced. And the reason I
know what's gonna happen because I saw what you paid
for this one. I mean, you're you're your prime for picking.
You gotta like you gotta get I don't know. I
mean you probably just need help negotiating on the vehicle.
Do you have actual money you can put down on

(01:17:49):
a vehicle?

Speaker 1 (01:17:50):
Now? Yes, I do.

Speaker 18 (01:17:52):
I mean I've gotten another one.

Speaker 4 (01:17:54):
Oh good, what did you end up getting?

Speaker 18 (01:17:56):
I got to do Dodge Drango twenty twenty five. That's
when needs dot or so they needed a vehicle. So
I got that vehicle and it's fine for now. I'm
just as upset about the whole issuing.

Speaker 4 (01:18:09):
No, you know what sucks man, that dealership. In my opinion,
did you wrong? Did you wrong big time? Because I've
been in those rooms. We've all been in those closing rooms.
It's like it's like Thunderdome. I mean, really, you show up,
you go in there and they're like, here's a sign here.
Oh and you need this. I mean by the time
you're saying, they just wear you down. At some point

(01:18:33):
they want to sell you something or else. The closer
isn't making his money and he's not going to have
a job. The whole thing is set up to be
a pressure machine, one hundred percent of pressure machine, and
that's what happens. They lie to you. Now, Now, you
should have read that policy and saw that you would
have no coverage for everything we read plus a lot more.

(01:18:54):
But you didn't. So that's what they can hang their
hat on. But I realized the guy or the gal
on the other side of the desk was like, oh,
you definitely need that. If you don't have gap coverage
and anything ever happens, you know it could ruin your
life and blah blah blah. Dmitri, Hey, Mark.

Speaker 11 (01:19:10):
I looked up the you know, I looked up the
retail value of this car in cars dot com with
the updated mileage of one hundred ten thousand miles, and
it's still about fifteen thousand bucks. Okay, I want to
do one Courchelle should should try to get some more
money from her primary insurance company, so Brian.

Speaker 4 (01:19:26):
That goes back to Brian. So, because that's her insurance company,
they paid the loan off to the tune of roughly
ten thousand. She still has eight. Can she go back
and ask for more?

Speaker 15 (01:19:40):
Yeah? So that's where I'm sorry to meet you. I
was thinking the exact same thing as him. Aside from
the terrible gap policy, which I agree with you, I'm
not thinking that ten thousand dollars was a fair subtle ye.

Speaker 6 (01:19:51):
It was actually like twelve to be just to be fair,
and twelve I think was a total on that.

Speaker 4 (01:19:57):
Let's do Suzanne. Hold on, Brian, let me take this.
Can you still hang a second?

Speaker 13 (01:20:02):
Sure?

Speaker 4 (01:20:03):
Yeah, hold on, let me get everybody on hold here.
I would like to get a real value of that
vehicle and no offense there, but I've got a guy,
that's all he does for a living, and I want
to see it for five hundred bucks because that's what
they charge at petty details if they would go into
the appraisal clause or if it's not even worth it.
I mean, I just don't.

Speaker 6 (01:20:22):
Even if you pick up a couple grand, it's still
huge for her.

Speaker 4 (01:20:25):
So it's total BS. So that they sold her that
gap policy, you know, out of that five hundred bucks,
I bet you, hey, Brian, real quick. I mean, I'm
going to get killed by dragon. But listen, when they
sell a policy like that, I think at cost her
what was it, John five and a quarter? It was
five hundred and thirty bucks at thirteen point two percent interest. Yeah,

(01:20:46):
that's true. But let's take let's just take the price
of the policy. I mean, really, Brian, how much do
they make off that? What do you think the dealer
shade makes at least?

Speaker 15 (01:20:57):
Yeah, I would say I would agree with that. I
would think that would be well, I'm just saying even
the guy that's the finance person is making money off
of that. It's those extras at the end, in my opinion,
are a terrible value.

Speaker 4 (01:21:12):
Oh my god, you're paying like John just said, you're
paying fourteen percent interest or whatever the interest rates on every.

Speaker 1 (01:21:18):
Bit of it.

Speaker 15 (01:21:19):
Yep.

Speaker 4 (01:21:20):
And honestly, when they have like zero percent interest, like
through Chevy or a Honda still paying. You still pay
interest on that stuff if you roll it in. But anyhow,
hold on, Brian, hold on, hold on. This is an
important conversation for people. And then Tarzan, Now wait a minute, Suzanne,
is that really someone's name?

Speaker 16 (01:21:38):
I I'm sure I heard him right. You know my
ears are a little free of.

Speaker 4 (01:21:42):
Course for title company. We've got a great uh, it
won't be able to help him. We've got a great attorney.

Speaker 16 (01:21:48):
And then Marc guess what what that scam guy James
Oh from.

Speaker 4 (01:21:53):
This morning just saw call her back? Hold on, Okay,
did something happen?

Speaker 16 (01:21:58):
Then he called the call back after we hung up.

Speaker 4 (01:22:01):
Ooh, that's gonna be juicy. Back on, that's gonna be juicy.
We'll recap.

Speaker 8 (01:22:11):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 9 (01:22:15):
You don't pay a cent until you're content.

Speaker 8 (01:22:21):
Time for an insurance check up, free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies. Find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 4 (01:22:42):
All right, three oh three seven one three eight two
five five. We got a couple lines open three oh
three seven one three eight two five five, Susanne, I
assume we could not get on Petty details. He's not
calling back.

Speaker 16 (01:22:58):
Oh my bad, I got busy. Just do you have
Brian Burns on though.

Speaker 4 (01:23:01):
Yeah, try to get him on. What I want to
figure out is the actual value of her car. I
want to see if the insurance company paid. He'll be
able to help me. Let's just see if we can
get Petty on and then, Brian, I want to thank
you for coming on. And I'm glad your gap insurance.
I was going to raise a little hell with you

(01:23:21):
if all the policies were like that. So I was
really glad hearing that the policies you sell, you know,
this particular case might have not been covered because the
kid you know, borrowed the car without permission and some
other stuff, but generally speaking, your policies, your gap policies,
you guys sell would cover if you're at fault.

Speaker 15 (01:23:44):
Of course. Yeah, that that is a crazy clause that
I have not seen before.

Speaker 4 (01:23:49):
What's the worst what's the most egregious out you have seen?
Not necessarily on gap, but like I don't know, on
the homeowners. Have you seen one that you personally thought
was horrible and there was nothing you could do about
it and it was a big dollar amount.

Speaker 15 (01:24:09):
I mean, even like the one that you know, specifically yours.
Whenever I've seen more than one of those where there's
a flood endorsement on a policy.

Speaker 4 (01:24:20):
Yeah, and then they don't pay.

Speaker 15 (01:24:21):
It, declined it couldn't They say it was not flood
even though it's water coming in that that's a pretty
obvious one that I think is just a ridiculous argument.

Speaker 4 (01:24:30):
Yeah, but I got it paid. I had to. I
had to get Matt involved, but he got me paid.
So listen to this, John, I had safe co. I've
got just the best insurance you can buy, and then
I add the flood on it. You know, the flood's cheap.
I mean, the chances of me flooding are very little.
So what happened is it was summer and hailstorm hal season.

(01:24:51):
It piled up on my deck, which is a cement patio,
but it's off the air, and we add about three
feet of hail up against my glass sliding door going
into my house. We were out of town in our RV.
We get a video from my daughter who showed up
the next day. Our entire kitchen floor, all of our

(01:25:14):
hardwood was damaged because it was so much water because
it was melting as quick as it was coming down
ran into the house. So I was like, I called
up Brian. I said, there was no way I would
ever thought I would have used that two hundred and
fifty dollars flood rider or whatever it was they said.

Speaker 5 (01:25:33):
They said it wasn't covered because.

Speaker 4 (01:25:34):
They said it wasn't a flood.

Speaker 5 (01:25:35):
It came from the sky.

Speaker 4 (01:25:37):
Yeah, because they how they defined a flood. It could
come from the sky, but it had to come in
on the ground.

Speaker 6 (01:25:42):
But there's like a distinction between groundwater and the rain
or hail or whatever. I mean, that's kind of like
down in you know, the hurricane zones. I mean, everybody
has wind homeowners and flood and flood and they all
point fingers at each other. Nobody ever just said yep,
that's our loss. So I call up Matt with Paragon.

Speaker 4 (01:26:02):
He's a public adjuster, and he comes out and well, actually,
I send him the policy over and then send him
the video. He goes, you're covered, and I'm like, he goes, listen,
I'll just get involved, get it done. So he demanded
an adjuster, came out. The adjuster came out and agreed
to it. They took they took fault, and I said, well,
how come, how come we had to bring it to

(01:26:23):
this level? He goes. The funny part is they know
this and it happens a lot. Yeah, they might have
had an out in there, if you read it, they
might have had an out right. But he goes, you
get an attorney involved, and they know this because they
already know you're the kind of guy who's gonna lose. Attorney.
They're gonna lose because they're gonna get in front of
the jury and go, here's the guy that bought every

(01:26:44):
rider they have. He had the best insurance out there,
and he had a flood and he bought flood insurance.
I mean, everybody's gonna go for it. But isn't it crazy, Brian,
He came down to that.

Speaker 1 (01:26:56):
It is.

Speaker 20 (01:26:56):
It is.

Speaker 15 (01:26:58):
I was gonna tell you also, I did do I
know you're going to get your guy on that will
have way better you know, knowledge on the value. I
did run that ven number because it's on the contract
there would again, average value is somewhere between twelve and fourteen,
is what I see when John would they.

Speaker 6 (01:27:16):
Give them six with tax, so they give them the
lower Yeah, I don't know that they did or all
that wrong on the value. The ultimate insult here is
the lack of GAP doing what she intended for it
to do when she bought it transparency, and there was none.
That's the real tragedy here, if you will. Her insurance

(01:27:37):
did exactly what they're supposed to do. Maybe they were
off by five hundred or seven hundred dollars or something, Yeah,
but the reality is they weren't off by you know,
six or seven grand I really hope.

Speaker 4 (01:27:48):
This is a learning lesson for people out there. I
learned something today on that gap. I never I don't
have GAP insurance on any of her vehicles, but I
never assumed for a second that if I wrecked it,
there was no coverage.

Speaker 6 (01:28:00):
Well, I only know that because every time a client
of mine has gap, it seems to be a fight
to get coverage. And sometimes they do and sometimes they don't.
But it's always getting into the fine language of the
contract every single time. It's like, all right, break out
the contract, let's get into the exclusion.

Speaker 4 (01:28:19):
As an attorney, Brian, just hang on a second, and
I'll make sure to give your number out for helping
us and all that. But as a matter of a contract,
look at people that buy a house. I mean, how
many people read through those closing documents just simply doesn't happen.
So I guess as an attorney, if someone threw in

(01:28:40):
something just crazy. Real estate's a little different, but you know,
throw in something at the end, like you know, and
you'll work for me for ten years for free and
it's a car purchase, I mean something like that. At
what point, at what point is the contract just absurd
and it doesn't matter what's in there, it's just absurd

(01:29:01):
or do they just take the absurdity out? Most of them?

Speaker 5 (01:29:05):
Most yeah, absolutely, most of them.

Speaker 4 (01:29:07):
Let me throw this in if that gap contract literally
said in there by the way, everything's excluded, Like the
last Comma was everything.

Speaker 5 (01:29:17):
And anything else that could possibly happen.

Speaker 4 (01:29:19):
To anything you could think of.

Speaker 6 (01:29:21):
Yeah, I mean most contracts have some clause in there
that says, look, if some part of this is determined
to be illegal, then the rest of them are still
going to apply in full forces if the other one
never existed. God, I don't know that this one does,
but most do. But you know, it's it. I hate
to say it because you don't have time. I understand

(01:29:41):
when you're sitting there and they're throwing documents and documents
and documents and sign and sign here, you just get
tired and you just sign and you just you need
gap insurance. It's really important. You got to have it
signed here.

Speaker 4 (01:29:51):
Well, you another thing. You don't buy one damn thing
of it, and I guarantee you go home and talk
to someone and want to buy all that stuff. After
the they're gonna let you buy it, right Yeah, They're
gonna tell you right there. Oh no, you got to
buy it now. There is no way you can't go
find good gap coverage. You can't find a service plan.

Speaker 6 (01:30:10):
But the problem is most of the people that most
need that coverage have.

Speaker 5 (01:30:15):
To finance every bit of it in yeah, I know,
and so.

Speaker 6 (01:30:17):
That's that's the people that are the most subject to
being victimized are the people that need it the most.

Speaker 4 (01:30:23):
And that's who they're targeting. Yes, all right, Hey, by
the way, everybody out there, Brian Burns Compass Insurance. Listen.
I have used Brian in the Gang of Compass, Tom has.
We all have for so long it's crazy. They'll shop
every year for you. If you're with Progressive this year,
they'll check all the other companies to make sure that's
right for you. Young drivers, you have a sixteen year

(01:30:44):
old getting ready to get their license, call Compass. They
have got people that specialize in that. You own a business,
a shop like I did, You have employees, you have
workmen's cop These guys have it all. Compass Insurance three
oh three nine nine six nine thousand, Tarzan and Jim.
I can't wait to him hear from Jim. We had

(01:31:06):
Jim Scanner or Scammer on the phone with us this morning.
He was on and said Jim was trying to screw him.
Of course we know it wasn't Jim. It was James
a scammer. But after we hung up on the guy,
or after he hung up on his James called Jim back.
I wonder if he threatened him. And I'm gonna tell

(01:31:26):
you guys about something that happened in Colorado Springs to
a couple that went off on a scammer.

Speaker 8 (01:31:38):
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(01:32:00):
on 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 (01:32:11):
Eight eight eight Heating dot com. That's the name of
the company. Cindy, Cindy one know who does the forty
five dollars cleaning? And yes, I'll tell you right now,
it's one of the best cleanings out there. They tear
it apart, they get rid of the dirt. You get
the idea. They don't come out there and go, hey,
do you want to buy something? No, the whole cause
is to show you how great the company is. So

(01:32:32):
for forty five bucks, new customers only come out clean
your furnace, get rid of the dirt, the number one
killer of a furnace, and slap a no breakdown guarantee
on there. And that's it. It's simple as that. Go
to eight eight eight Heating dot Com Cindy, and that's
that now three oh three seven to one three eight

(01:32:53):
two five five. Man, we got a ton freaking going on.
I guess I would like to know, Tarzan, what the
heck are you referring to with the title company error?

Speaker 12 (01:33:09):
Hey, Mark, a longtime caller, first time listener, Unlike ninety
percent of your callers, all get straight to the point.
I sold a house just last week, okay, and it
closed on Friday. I get an email from the title
company and it says your house is closed, but because

(01:33:31):
we're after business hours, we cannot transfer funds to your
bank until Tuesday because Monday was an MLK holiday. Yeah,
I'm like, okay. So the buyer they give her the keys, okay,
and she doesn't go in right away on Friday, but
goes in on Saturday. And because of the cold snap,

(01:33:52):
that we've had the furnace went out and the pipes froze. Okay,
so she panics. So now I'm just thinking I feel
bad for But from a legal standpoint, in my head,
we're closed. I mean, this could have happened a week
from that.

Speaker 4 (01:34:08):
I don't think it. I don't know why. I don't
know why you think that. And then I'm gonna let
John chime in here. But I don't know if it
matters where the where was the money was the title
company holding hers?

Speaker 6 (01:34:22):
Where the money is? The warranty signed? The deal is closed,
it's a done deal.

Speaker 4 (01:34:27):
It's over.

Speaker 5 (01:34:27):
Yeah, congrats, but.

Speaker 4 (01:34:30):
You she ended up getting paid, right or you ended
up getting paid this guy and.

Speaker 12 (01:34:35):
So and so they came back to me on Tuesday
and said, we're missing an addendum of the five hundred
dollars earnest money. I told her, don't worry about it.
You know, you don't have to pay it. So that
was an addendum to the contract. And so they came
back on Tuesday and said, hey, that contract wasn't valid

(01:34:57):
because we never got that addenda.

Speaker 4 (01:34:59):
What's the title company saying, forget about the forget about them?

Speaker 12 (01:35:04):
Okay, Well, so they said that we closed on Friday
at four thirty pm, and I would have the funds
transferred to my bank account on Tuesday.

Speaker 4 (01:35:12):
And here we are Thursday, and you still don't have them.

Speaker 12 (01:35:15):
And then they emailed me back and said, hey, that
contract doesn't work because we didn't get that addendum in time.
And to me, it's like, well.

Speaker 5 (01:35:28):
Who sent that email? The title company?

Speaker 20 (01:35:30):
Yeah?

Speaker 12 (01:35:30):
Who Yeah, the title company?

Speaker 1 (01:35:32):
And then so.

Speaker 4 (01:35:33):
Who was the title company? Tarzan.

Speaker 12 (01:35:37):
So this is in western Nebraska, about three hours in
north of here. It's called Koonsman Title Company.

Speaker 4 (01:35:45):
I have heard Listen, John, I know I know where
you're coming from on it. And I'm going to remind
you real quick of something I had a friend this
happened to kind of it's a lot different, but it
had to do with that attorney that got in big
trouble here. You happened to know you.

Speaker 6 (01:36:05):
Weren't happening to carry the paper on that deal, were you?

Speaker 5 (01:36:09):
Oh?

Speaker 4 (01:36:09):
Good call.

Speaker 6 (01:36:10):
This wasn't like an installment land contract or an owner
finance thing, was it, Tarzan?

Speaker 1 (01:36:15):
No?

Speaker 12 (01:36:16):
This was all she had her finances from the bank
ready to go. And then I just got an email
on Tuesday. It says, Hey, the buyer's panicking. Now we
get pulling out of the contract.

Speaker 6 (01:36:29):
I don't think you can't pull out of the contract.
It's closed, the warranty date has been signed, the loan funded.
Even if there was a defect in the contract, I
can't imagine that that would unravel the deal right now.
I you know, any defect in that contract would be.

Speaker 4 (01:36:44):
Yeah, but you might have to bring an action. I mean,
it sounds like they're simply not paying them.

Speaker 6 (01:36:49):
Well, I think that if somebody needs to start talking
to their own an.

Speaker 4 (01:36:53):
What Brad O'Brien's got to say, Barry, what do you you've purchased?
How many homes?

Speaker 20 (01:36:58):
Yeah? Yeah, you know hundreds.

Speaker 4 (01:37:00):
Has anything like this happened? I mean, what's your thoughts?

Speaker 20 (01:37:02):
I know what happens once in a while. Well, my
second thought is, where the heck are the real estate
agents involved in here to be solving a problem that
they apparently caused because some five hundred dollars item didn't
get indended in time.

Speaker 5 (01:37:18):
To that however for earnest money.

Speaker 20 (01:37:21):
However, so that's go ahead, Tysan, are the agents helping you?

Speaker 12 (01:37:26):
Neither the buyer nor seller had real estate agents, so.

Speaker 4 (01:37:31):
It was just a title company. Well that's not a
smart thing.

Speaker 20 (01:37:34):
Well that takes me to the first issue is the
title company. So what are they saying today?

Speaker 4 (01:37:40):
Are they simply telling you for real, it's just not
a valid contract.

Speaker 12 (01:37:45):
Here, I'll read you. I'll read you the email.

Speaker 1 (01:37:47):
I got yesterday.

Speaker 12 (01:37:48):
It's real short.

Speaker 4 (01:37:49):
Now do me a favor. Forward it to us right now?

Speaker 5 (01:37:51):
Can you do that?

Speaker 4 (01:37:53):
H Yeah, hold on, hold on, I'm going to put
you on hold. I'm behind forward it to help Susanna.
I'll tell you where actually, yeah, tell where, Suzanne. I
want to see that. That's absolutely crazy. Hold on Berry,
you can say it.

Speaker 8 (01:38:05):
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(01:38:26):
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 2 (01:38:45):
Rid you need so you don't have run in as
sass as we can. Shoot's gonna help.

Speaker 3 (01:38:58):
Come, man, this is the Troubleshooter Show.

Speaker 4 (01:39:03):
No, Tom Martinez. You know we're gonna put We're gonna
add some notches to our belt here pretty quick. I
have to tell you we're over three hundred million dollars
in cash, merchandise exchanges and refunds, and we have a
case right now. We're working behind the scenes. It's crazy.
It is absolutely crazy. But let me digress for a second.
It's the Troubleshooter Show. Three oh three, seven to one,

(01:39:25):
three eight, two, five five. You've been ripped off? You
got any problem? Contractor? We got two lines open. We've
done a ton of stuff today, but this one, this
one's crazy. So listen to this. I can't believe this.
Tarzan calls in. I got to ask him some you
just go buy Tarzan. I assume the name I see
in that emails you right, yes, yes, yeah, which is fine.

(01:39:48):
I don't care about that. I just want to make
sure that wasn't to somebody else. So Tarzan closes on
a house Friday at around what four thirty or before that?
You close, it appears they leave, it's done. It's over.
The title company emails them saying that they can't transfer

(01:40:09):
the funds until Tuesday. It's passed. The wire cutoff. That
happens all the time, and the next business day or
the next wire day is MLK. It's a national holiday.
This is all makes perfect sense. In fact, a lot
of us have been there, so the funds won't be there.
But I want everybody to understand, those funds are at

(01:40:30):
the title company right now. They're not at the lenders.
They're at the title company. The title company has all
the documents signed. The title company has the money. The
only thing left to do is dish out the money.
Generally most will go to the seller and then some
might go to a real estate agent something like that.
But other than that, it's it. The title company did

(01:40:52):
its job. Then what they email them yesterday? John, go
ahead read read what the woman Wendy from the title
company emailed our caller and Kelly, who I is?

Speaker 13 (01:41:07):
That?

Speaker 4 (01:41:08):
Is that the buyer's broker? I assume I don't know
who Kelly is.

Speaker 12 (01:41:11):
No, No, so Kelly is. She's a real estate agent
in another town in Nebraska. Me and her are good friends.
So I sold the house for sell by owner. But
when it came down to the paperwork, I paid her
a flat feed. I love helped me out to get it,
get it through.

Speaker 6 (01:41:26):
She's hopefully got another, you know, insurance policy that we
can rope into this thing.

Speaker 4 (01:41:30):
So, but John, this is crazy. So I really I
want you to You don't have to read it verbatim,
but that first sentence says a lot.

Speaker 5 (01:41:38):
Yeah.

Speaker 6 (01:41:38):
I wanted to touch base with you both to let
you know that the buyer, the buyer's lender, is stating
that this closing is being rescinded and they are requiring
that I wire.

Speaker 5 (01:41:49):
The funds back to them.

Speaker 6 (01:41:51):
I wanted to make sure you knew that you know
that this was going on and she is not purchasing
the house. If she wants to move forward, she'll have
to start all over again. And let me know if
you have any questions.

Speaker 4 (01:42:02):
Let me know if you have any questions for coming.

Speaker 5 (01:42:04):
I can think of a few, I.

Speaker 4 (01:42:05):
Could think of one hundred. I have got something very
important to ask you though. Did you respond to this,
and if so, what did you respond in writing to her?

Speaker 1 (01:42:16):
Did not respond? Good?

Speaker 4 (01:42:17):
Good, dear? I have never can you imagine, John, you
go in you sell a house, or buy a house,
you close three days later they want to rescind. That
would literally turn our entire our entire buying and selling
of property, not just in Colorado, but in the entire

(01:42:39):
country well up, stub down.

Speaker 6 (01:42:41):
Absolutely. So let's just play this out. This guy had
no right to go back in their property and do anything.
I mean, this deal was done and over with. If
he went in there and forgot something, they could charge
him with trespassing. Okay, if she happened to be there
and he walked in the front door, I mean that's
a problem. He had no right to be on the
so he had no ability to protect it or anything else.

(01:43:03):
And this was a done deal. You didn't know he
had signed the warranty deed, the loan had been funded.
They had the money, as evidenced by the letter from
the title company saying I've got to send it back,
which which implies that they have it. So this is
a done deal. I don't think that title company has
any authority to wire that money to anybody other than
the cellar, which is the which is the instructions that

(01:43:26):
he signed in his closing to send me the money
by wire or whatever method.

Speaker 4 (01:43:30):
And here's what happened for people just joining in. The
reason this happened is, well, I'll let the caller tell it.
She bought the house, and what happened? You closed, and
what happened Tarzan?

Speaker 12 (01:43:41):
So she they gave her the keys, congratulations, all that crap.
And so she goes in the house again we had,
you know, everybody had that cold snap yep, and realizes
the furnaces out and the temperature in the house is
like twenty five degrees and the pipes have frozen, which
really is not big of a deal because the water
was turned off anyway, so it's just the lingering water

(01:44:04):
that's in the pipes that that froze. But she's kind
of a panicky buyer, and so she calls me freaking out,
you know, because again we don't have realtors. So we
talked to each other. I'm like, you just got to relax,
we gotta get we'll find out what the damage is
and we'll go from there. So in a period of
a forty eight hour time, she panicked, freaked out, and

(01:44:25):
then backed out.

Speaker 16 (01:44:26):
Do you know what the damage is? How much?

Speaker 12 (01:44:30):
So far it's thirteen hundred dollars to fix the furnace,
and that should be happening today and then we eat
the house back up so we can get the pipe.

Speaker 4 (01:44:40):
Was there an inspection? Did she do?

Speaker 12 (01:44:42):
And they had they had an inspection on the front.

Speaker 5 (01:44:47):
It's her furnace, and then they had yeah, oh yeah,
I mean repairs.

Speaker 1 (01:44:53):
Are you well?

Speaker 12 (01:44:55):
I mean, what am I gonna do?

Speaker 1 (01:44:56):
You're going to.

Speaker 20 (01:44:57):
Tell her good luck?

Speaker 4 (01:44:59):
Yeah?

Speaker 12 (01:44:59):
Well, I mean that's why I'm calling you guys.

Speaker 4 (01:45:02):
Yeah, this is crazy. I have never heard of a
closing or a title company that would do it. In fact, Okay,
I do want to do this, Suzanne, get Frank duran on.
That guy has closed on more houses and I mean
I don't even know how many. He closes more houses
in one month than most realtors do in a year.
But John, you're in the same boat. I'm not saying

(01:45:23):
you bought anywhere near that amount or is bear Yeah,
but you've done a ton of deals and you're an attorney.
Once again, the entire reason of hiring and paying a
title company is for exactly this kind of stuff.

Speaker 5 (01:45:36):
Yeah, especially if you don't have brokers involved.

Speaker 6 (01:45:39):
I mean, they're in a unique position because I mean
they have to document the instructions that they're given, you know,
for everybody, and this was a done deal. They were
only waiting to wire out his proceeds. I can't imagine
how a lender would come back two days later and say,
we're sending the deal, send us back the money. I
don't care what happened to the house. The risk of

(01:45:59):
law provisions in the contract deal with exactly these kind
of things. Of course, Mazeur, this is just standard risk
of lost stuff, and the title had already transferred by
the time the problem happened in the deal. It's her house,
it's her problem. Good luck, her insurance. Her lender would
have required her to have insurance in place. I all acclaim,

(01:46:20):
open it up, move on, send me my mind, did
she Yeah, yep, that's the one that's trying to rescind
the deal and send the money back.

Speaker 4 (01:46:28):
Oh no, no, yeah, you're absolutely Tarzan.

Speaker 20 (01:46:31):
You're in the winner's seat.

Speaker 4 (01:46:34):
Hey, Dmitri or Tarzan, you have the phone number for
that woman who wrote you this email?

Speaker 5 (01:46:42):
Title company lady?

Speaker 4 (01:46:43):
Yeah, what's her name? Andy Wendy?

Speaker 1 (01:46:46):
Yeah, let me get a four year real quick.

Speaker 8 (01:46:48):
Yeah.

Speaker 4 (01:46:48):
I don't want it on air, Dmitri, Would you do
me a favor over this break, I'm gonna take it.
You have Wendy's number, I want Dmitri to call and
ask her off air. I don't even want to try
to spooker or anything. I just want to know what
hell they're saying. I just want to know, like, how
does please actually you handle it however you want. You're

(01:47:09):
damn good at handling, so thank you. The bottom line
is they don't they I can't see any reason why
they can send the money to anybody but him. Have
they already sent it back? Well he doesn't know.

Speaker 12 (01:47:20):
Okay, So there's there's one There's one thing is where
so Liz, the chick name Liz did all this on
the front end, and then when it comes to the
end end they send it over to Windy. And so
then they bring up this addendum thing, this five hundred dollars?

Speaker 1 (01:47:38):
Uh, what do you call that?

Speaker 4 (01:47:39):
They should have caught that during closing. I don't even
understand the relevance.

Speaker 18 (01:47:43):
You know, that's what I thought they'd have it.

Speaker 6 (01:47:44):
So are they saying that the five hundred was not
delivered to the title company completing the payment?

Speaker 5 (01:47:49):
Is that what's going on?

Speaker 12 (01:47:51):
That's what they're That's what they suggest in the email.

Speaker 6 (01:47:54):
Who was holding the five hundred? Who was holding the
five hundred? Was it your friend's trust account?

Speaker 12 (01:48:01):
You know, I don't know. What do you call that
fee again?

Speaker 5 (01:48:04):
Earnest money yeah, earnest money yeah.

Speaker 12 (01:48:06):
And then I said you don't have to pay that.
So then they're like, okay, we need a dedendum. And
then they originally claimed that they didn't have it, but
then I heard that they got.

Speaker 1 (01:48:16):
It in time.

Speaker 12 (01:48:17):
Thus the email saying we've closed on four point thirty
on Friday.

Speaker 5 (01:48:20):
I think you get on Tuesday.

Speaker 4 (01:48:22):
Yeah, And that's how the emails. That's how the emails roll. Man.
In fact, when they start talking about not receiving the
five hundred, that's where they start going.

Speaker 13 (01:48:32):
Oh.

Speaker 4 (01:48:33):
Also, Monica called me this morning upset about problems she
discovered with the heat, et cetera. So I told her
to contact the realtor and work it out. We are
just the closing company, not a real estate company. Well
apparently they're not acting that way now in my opinion.

Speaker 5 (01:48:52):
Yeah, I mean.

Speaker 4 (01:48:53):
That's the title company.

Speaker 6 (01:48:55):
Can't decide stuff going on here?

Speaker 4 (01:48:58):
You understand, to meet what question to ask?

Speaker 12 (01:49:02):
And then wait one second? And well, I just want
to tell you this because I don't know if it
comes into play or not.

Speaker 4 (01:49:06):
Oh my god, I wait for him to drop the bomb.

Speaker 12 (01:49:10):
Go ahead, No, no, no, it's not that big of a deal.
But Wendy's like, you know, we didn't receive She starts
going down that path and I'm like, well, then why
did Liz email me and tell me that we're closing it?
We closed on four point thirty on Friday, and we
get the funds on Tuesday. And Wendy replies with, yeah,
she shouldn't have said that.

Speaker 4 (01:49:30):
Well, it's not even a point of that, because what
Wendy said was a little different than that she emailed
you yesterday saying I wanted to touch base with you
and let you know that Monica's lender is stating that
they want to rescind the deal. I mean, they're saying
they want to rescind it and they want their money back. Well,
they can't do.

Speaker 20 (01:49:50):
That, do that, hey, John?

Speaker 11 (01:49:54):
Are we totally sured that the closing was actually completed.

Speaker 6 (01:49:58):
Only by the email saying close is complete, we're gonna
wire out your money.

Speaker 5 (01:50:02):
So I mean, my god, I mean and if she mistakenly.

Speaker 6 (01:50:06):
Said that, if the guy, I mean, listen, here, there's
only a couple parts to a real estate transaction, Okay,
the funding of the loan, the signing of the warranty deed.

Speaker 20 (01:50:16):
And they gave keys though, and that's important, the keys.
They gave possession.

Speaker 6 (01:50:23):
And so I think the critical thing here to keep
in mind is with that new loan, you can safely
assume that she had to get insurance in place. That
it may have just been a binder, but it could
have also been bought and paid for prior to closing.
A lot of times insurance companies want that insurance to
be paid for and in place at the time of
closing the risk of lost. Provisions in the contract dictate

(01:50:44):
what's happened, what happens if something goes down before the closing,
But as of the moment of closing, that is not
this seller's responsibility.

Speaker 4 (01:50:54):
Guys, this is this is good old boys or good
old gals that know each other. Sure, I would almost
be assured of it. I mean, it's just an observation.
It's not fact by any means. But I think the
realtor or this lady nose the closing company. There's some connection,
and they're trying to put the screws to this in
my opinion. Yeah, all right, hold on, man, we're gonna

(01:51:16):
make that call. Everybody. Hold tight. Hey, by the way,
how much money are we talking? I don't remember.

Speaker 12 (01:51:23):
I think it was one sixty three and a half
was the sale price of the house.

Speaker 4 (01:51:28):
All right, hold on?

Speaker 8 (01:51:31):
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(01:51:53):
find out now three oh three seven to seven to one.

Speaker 5 (01:51:55):
Help.

Speaker 8 (01:51:55):
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 (01:52:07):
All right, three oh three seven one three A two
five five. Dimitri's reaching out to Wendy who is at
that title company. This one is just so bizarre, so, uh, Tarzan, listen,
we're working on this and hopefully we get an update
on it. Uh here in a few minutes, now, Cody,
you hang on, but Jim Jim's got an interesting one here.

(01:52:31):
Jim actually called this morning and gave us some phone
numbers of a scammer. One of the three scammers was
James and basically what was he He was the insurance guy.
He was going to sell you an insurance policy for
one percent of the seven hundred and fifty thousand that
you won. In case if there was a problem, was

(01:52:52):
that James.

Speaker 13 (01:52:55):
Cast company Ejamont went from seven hundred and fifty thousand
up to nine hundred and seventy thousand nights because they paid.
They paid twenty two thousand dollars to the irs for
your name for the money.

Speaker 4 (01:53:09):
I was going to get, Hey, you know what, they
are good people, so so but really Jim, So we
got him to come on air. He came on air,
and I called him out because he tried to turn
the tables and say that you called him trying to
scam him. But it was evident what was going on.
So did he call back and threaten you tell us

(01:53:29):
the story of when he called back.

Speaker 13 (01:53:32):
Okay, First, when he called back, he said that he
didn't hang up on you, You hung up on him.
I was on the phone. I heard it, so Okay.
Then he came out with you in a loved way.
He said, this is the problem with you talking to
this Martino guy is these small town radio stations. I

(01:53:54):
are some guy, put him in a nice suit and
give him a haircut, and all of a sudden he's
a consumer expert.

Speaker 6 (01:54:00):
Well, Mark does not have a good hair I knew
you were going to say that, and I wore the
last matter or a suit was at a funeral.

Speaker 5 (01:54:07):
Let the record reflect.

Speaker 4 (01:54:08):
Yeah, they got me wrong. So that's that. That was
crazy or.

Speaker 13 (01:54:13):
Or worst part was he thought you were young? Well
I am you as as old as I am.

Speaker 4 (01:54:19):
No, no, no, I didn't touch that one. So Jim,
you're actually you're talking to Mark, not Tom.

Speaker 10 (01:54:26):
Oh okay, okay, well not a big deal.

Speaker 4 (01:54:28):
I'm thirty three.

Speaker 13 (01:54:30):
Back on that. Yeah, the guy's insulting me, telling me
I'm an idiot for not spending seventy five dollars to
get back. So Jim fifty thousand.

Speaker 4 (01:54:39):
So Jim, I'm going to tell you a quick story
for everybody out there. Colorado Springs, right before COVID, same
kind of guy, same kind of hack, same kind of scumbag,
calls up somebody in Colorado Springs, calls them up on
their house phone and tries to scam them. The guy

(01:55:00):
literally goes off on him. You're a piece of and
a dumb you name it. He drops every bomb on him. Okay,
the guy spoofed his number and called the Colorado Springs
Police Department and did what was called a swatting call.
He basically said, help, I'm in the house my husband

(01:55:23):
or my wife or my kid. Someone's trying to kill me.
I need help right now. The police thought it was valid.
They traced the call because the guy spoofed the number.
They went there and almost killed the guy. It was
absolutely crazy and you can google the story swatting Colorado Springs.

(01:55:44):
But these guys are bad guys. I mean I have
never They're just crazy. They're bad guys. Now, most people
I don't think would go that far, but that definitely happened.
It was a bad deal.

Speaker 5 (01:55:55):
Jim.

Speaker 4 (01:55:56):
I appreciate that update, and yeah, I think Okay, I
like my suits. John, you've seen me in a suit? No,
I have not, not once? Never, Suzanne, if you suit,
yeah a couple times, Mark Don's.

Speaker 5 (01:56:08):
Funeral when you got married.

Speaker 16 (01:56:10):
Maybe, oh when we just had that on a st
accurate function.

Speaker 4 (01:56:13):
That wasn't a suit. Well it was close enough.

Speaker 16 (01:56:15):
That's a suit for you.

Speaker 4 (01:56:16):
Well, okay, John, it was slacks and a blazer.

Speaker 16 (01:56:21):
It was nice and a fresh shirt.

Speaker 4 (01:56:23):
Do you wear a suit when you go to court?
You have to wear a suit, Yes, sir, have to, Yes,
have to have to. He would have to, so.

Speaker 6 (01:56:31):
Literally if I don't have to, but I'd rather not
get you know, listen, the judge can kick you. The
protocol for court is to wear a suit. And you
could wear a sport coat and slacks and a tie,
but it's still a suit.

Speaker 5 (01:56:44):
That's the deal. Yeah, in federal court suit.

Speaker 4 (01:56:47):
How about a woman.

Speaker 6 (01:56:49):
That's a different deal there. You know, when I graduated
law school, there were still rules that did not allow
women to wear pants.

Speaker 5 (01:56:57):
In federal court.

Speaker 4 (01:56:58):
Okay, kidding for real.

Speaker 6 (01:57:00):
I think that's been changed, but I'm not even one
hundred percent sure about that. Ask your daughter. She's been
up there since more recently than I.

Speaker 4 (01:57:07):
Does she wear slacks when she goes to court? H yes?

Speaker 5 (01:57:10):
Yeah?

Speaker 6 (01:57:10):
Okay, Well in state court, no problem at all. Oh,
you're talking, no problem. Federal court was a different deal, man.
But I know that she was in federal court not
long ago because they went down and listened to something
and so she would know better. But surely it's been changed.
But that was the rule back then, so Hillary Clinton.
But right now state court, you can you can dress

(01:57:32):
that down quite a bit, but you're still I mean,
like you know, for women, it's just different because nobody
really wants to say, is that a suit?

Speaker 5 (01:57:39):
Is that a slack? Is that at blouse?

Speaker 1 (01:57:40):
Is that?

Speaker 5 (01:57:41):
What?

Speaker 4 (01:57:41):
What is that?

Speaker 1 (01:57:42):
Yeah?

Speaker 6 (01:57:42):
But for guys it better be slacks and a tie
and a and a coat of some variety.

Speaker 4 (01:57:47):
So little different, but same thing you years ago, twenty
thirty years whatever you did some personal or not personal injury,
that's what you do now, some criminal did you evers?

Speaker 5 (01:57:59):
What case?

Speaker 4 (01:58:00):
Yeah?

Speaker 20 (01:58:00):
Wow?

Speaker 4 (01:58:01):
Whatever you did some criminal?

Speaker 11 (01:58:05):
John was good?

Speaker 20 (01:58:06):
That was John.

Speaker 11 (01:58:06):
If you wanted to, could you wear the powdered wig
like in the movies.

Speaker 4 (01:58:10):
Get out of Here?

Speaker 5 (01:58:11):
I don't know that my client would appreciate that.

Speaker 1 (01:58:13):
Now.

Speaker 4 (01:58:13):
Did you ever show up though, with somebody that you're
defending in court and they come in dressed like a hoodlum?
Did you ever have to say, hey, don't go in
there like that.

Speaker 6 (01:58:25):
So I've been practicing since before marijuana was legal. Oh okay,
and I distinctly remember one client that showed up for
a sentencing hearing wearing like a big marijuana leaf shirt.

Speaker 5 (01:58:37):
Oh my god.

Speaker 6 (01:58:38):
And I was like, what in the heck is wrong
with you?

Speaker 1 (01:58:41):
You know?

Speaker 5 (01:58:42):
And it didn't go, It didn't go as well as
we hoped.

Speaker 4 (01:58:44):
And he kept it on. I mean he had to.

Speaker 6 (01:58:47):
Absolutely he didn't have any other shirt.

Speaker 16 (01:58:48):
So Mark, you can't wear your Bucky sweatshirt to court.

Speaker 6 (01:58:51):
Don't don't wear BUCkies. Just generally, don't leave your property with.

Speaker 5 (01:58:54):
BUCkies, you know.

Speaker 4 (01:58:57):
All right, Everybody, hold tight, Cody, you're up.

Speaker 8 (01:59:05):
Go with a sure thing Denver's best rufer Excel Roofing
dot com.

Speaker 9 (01:59:09):
You don't pay a cent until you're content.

Speaker 8 (01:59:14):
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 O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 4 (01:59:41):
All right three O three seven one three eight two
five five don't forget Barry Miller with Vester Eira. You
guys want to do it. I'm gonna recap real quick
what he's going on in this wominar. But I love
his program. Here's the bottom line. I don't care if
you know what you're doing in real estate or don't.
He takes all the leg workout. He knows how to
go out. Him his team go out and find pockets

(02:00:02):
of good economies around the country. Then they find a
house it's ready to rent out. You buy the house,
they find the right people to manage it for you,
and you collect rent. You make money right then and
there while the house is appreciating. When you want to
sell it, you sell your house. That's how it works.
It's that simple. And you only pay them the three

(02:00:23):
hundred what is it, very.

Speaker 20 (02:00:24):
Three sixty a year optional optional.

Speaker 4 (02:00:27):
And it's even an optional thing. So it's a remarkable deal.
But give me a real case scenario, someone that invested.
What give me your best case and average case, and
give me the worst case. And let's say in the
last five years.

Speaker 20 (02:00:40):
Well, well, we don't have a worst case other than
the people have made thirty percent gain three year sent
that's the worst. But that's way rare, way rare. And
again I was doing two or three today in studio.

Speaker 4 (02:00:55):
Give me a best, okay.

Speaker 20 (02:00:56):
Typically all of these came in at forty two and
forty six and forty seven percent return in the first
twelve months conservatively.

Speaker 4 (02:01:08):
Cash over cash, cash.

Speaker 20 (02:01:09):
Over cash conservatively. We also look for positive cash flow.
We get that nowadays because of higher interest. Yeah, ninety
percent of the time, not one hundredep but until June
of last year it was one hundred percent of the
time positive cash flow in year one.

Speaker 4 (02:01:25):
And they can purchase it however they want, meaning if
they have cash, they can do it however they want,
however they want, if they want to use the bank's
money and pay some interest, as long as they're cash
flow and they can do it. And you have people
that do more than one.

Speaker 20 (02:01:39):
Ten thirty one exchanges all the time. That's just a
big one. That's how people can come in with seventy
five thousand today and have over five hundred thousand of
new dollars. That's half a million over new dollars in
five years or less.

Speaker 4 (02:01:55):
That's pretty impressive. We do not all any taxes on that,
any of those the money they're bringing in.

Speaker 20 (02:02:00):
We're doing it every day.

Speaker 4 (02:02:02):
What's the worst. I know you don't do anything in
Colorado for more financial reasons or economy reasons or whatever.
But is there other places out there like Denver that
it's just hard to be a landlord that you would
never deal with. I mean, we know people that own
a lot of homes in and around Denver, Colorado, and
let me tell you, they want out of the business.

Speaker 20 (02:02:23):
You know, one of them I'm talking to No, Oh,
you bet I do it. And they're coming to us
because they're saying, hey, we're finished with Colorado.

Speaker 4 (02:02:31):
But hold on those people that we're talking about. Any
landlord out there is like, oh my god, I can't
believe I can't cancel my lease now after a year.
I can't do this, or I can't raise my rent
more than whatever. The bottom line is, you've got a
lot of people come to you saying, hey, listen, I
want to do a ten thirty one exchange. I want
to get out of Denver. Go find me, yeah, out

(02:02:51):
of Colorado and go find me some stuff.

Speaker 20 (02:02:54):
Yep. I mean, just like that, it's doing all the time.
There are only four or five states that are as
bad as we are or worse. Okay most of the
others California, New York, California.

Speaker 4 (02:03:03):
Yeah, so folks out there, listen, I know you hear
Tom and I talk about these guys all the time
literally and buries in like every I don't know, once
a month like he is today. But I want you
to go to my Biggest return dot com. It's just
a webinar. Sit down, start it and learn the program.
If it's boring to you and you have no interest,

(02:03:23):
turn it off. But the bottom line is go to
my Biggest return dot com and just sign up and
they can ask you. It's a pure Q and a right.

Speaker 20 (02:03:31):
Well not during the forty five minutes. It's compact powerpack,
but we stay afterwards. Let everybody know in advance.

Speaker 4 (02:03:37):
So people ask questions, ask questions after whatever they want.

Speaker 20 (02:03:40):
Whatever they want about.

Speaker 4 (02:03:41):
Ten thirty one, how does it work? Who does it?

Speaker 20 (02:03:44):
Blah blah blah about lousy title title companies. They could
ask us.

Speaker 4 (02:03:48):
Okay, now once again my Biggest return dot com. You
want to be a landlord, but I mean literally, not
do anything but fund the project. There you go, great
track record, good guy. So this uh this Tarzan guys,
So Tarzan Title Company, in my opinion, just as just
my opinion, did the total wrong thing and basically told

(02:04:11):
them they had to send the money back. I mean,
I'm looking at the damn email. None of us in
this room can imagine under any circumstances, how after you
close a deal to a title company, they hand the
other person the key three or four days later they
want to get out of it. And this is a
title company we're talking about. So, Dimitri, you called up

(02:04:32):
and let me I want to pull up the name
of the title company.

Speaker 11 (02:04:35):
What is Koonsman Title Company up in Nebraska?

Speaker 4 (02:04:38):
So Koonsman Title Company? You called up, and I assume
you talked to Wendy or who'd you?

Speaker 11 (02:04:42):
Yeah, Wendy actually answered the phone and we had a
brief conversation about this. And you know, I didn't call
to point any fingers at are accuser of any wrongdoing.
I just asked her for a comment and present her
side of the story or her company side of this.

Speaker 4 (02:04:54):
And what she said.

Speaker 11 (02:04:55):
Wendy said that she would love to present her side
of the story, but she's on able to do so
until mister Tarzan responds to an email that she had
sent him. So I asked, well, which email are we
talking about? The one where you said that you're or
somebody's rescinding the sale, And she said, I can't comment
on that right now, but mister Tarzan knows what email

(02:05:16):
that he needs to respond to?

Speaker 4 (02:05:17):
Tarzan, is there another one or just that one he's
referring to.

Speaker 1 (02:05:21):
It's got to be that one that he That was
the last communication we had.

Speaker 12 (02:05:25):
So, by the way, she didn't ask for a response.

Speaker 11 (02:05:28):
You see the email, Yeah, somebody read me the email.
There was no there was no request for a response.
But I assume John and correct me if I'm wrong.
But if I were mister Tarzan, wouldn't I say something
along the lines of, hey, I do not agree to
rescind anything. He also did not say under what's under
paragraph twenty seven, you know, pursue to paragraph twenty seven

(02:05:49):
of our contract, you're rescind on this and where's my
money it was supposed to be here on Tuesday. To me,
that sounds like a sufficient.

Speaker 4 (02:05:57):
It's not legal advice because this is Nebraska, John, but
just in general, and nor is it really your specialty.
Although I know you've done a bunch of deals. But
the bottom line is, like, how would you reply personally.

Speaker 6 (02:06:12):
Well, I think if I were responding personally and not
giving legal advice, yeah, I would respond that you know
this is a done deal. I expect that my money
will be wired immediately, and you know to the extent

(02:06:33):
that you don't agree to do that, you should probably
put your own any carrier on notice.

Speaker 5 (02:06:39):
I don't know. I don't know what I would say, Barry.

Speaker 20 (02:06:41):
I think if I were Tarzan, I would say no
response is needed yet, but I would go to an
attorney quickly and have my attorney respond on your.

Speaker 6 (02:06:52):
Time that it's really time that you need an attorney
on your side here, because I really think it's a
power play. But you're right, I do. I think that
I think this title company is in a bad situation.
They're in a pickle, and I would hope that money
is still sitting in their trust account. But proper guidance
from an attorney that you hire could inspire them to

(02:07:14):
do the right thing and tell this lady you need
to go take care of your house, but this is
a done.

Speaker 4 (02:07:18):
Deal, Tarzan. What I would do is pretty much a
little combo here. I would email them something like this
is unacceptable. I do not understand for the life of me,
nor do some legal experts I've talked to in Nebraska,
and this just makes no sense. I want the money
wired to me, or I'm going to have to retain

(02:07:40):
counsel and see how they reply. If they reply anything,
but the money's going to be there the next day,
you go get an attorney. I mean, at that point
you might give them one shot because they're bluffing and
they know they're screwed. But they're all good old boys
winking at each other. But man, I mean, I don't
know what else you would do, dude, And I really

(02:08:01):
want to get Brad O'Brien on tomorrow. I mean, John,
how much different I know you don't know the question
to this. I mean I could ask Brad O'Brien how
different Nebraska is in Colorado and he doesn't know the answer.
But in general, my god, once again, a title company
is there for exactly this, to rescind a deal or
allow either side to rescind a deal three four days later?

(02:08:25):
I have never heard of in my life, unheard of.
So Tarzan, what do you think?

Speaker 12 (02:08:31):
Yeah, I mean, I'm just gonna send her an email
that says basically what you guys said, I'm just going
to say, hey, this is unacceptable. This thing was closed.
You said you were going to wire my phones on Tuesday.
I was expecting that, and and if that doesn't happen
immediately within the next forty eight hours, I'll contact lawyer
or I'll contact legal advice.

Speaker 4 (02:08:51):
I probably, honestly, if you if you don't get a
reply by noon Friday, meaning tomorrow, I'd start calling attorneys.
Bro John, do you have like in his area? Do
you have don't you guys have I don't want to
say like the Yellow Pages, but attorneys you would suggest
for him in other states.

Speaker 5 (02:09:09):
We all just know each other.

Speaker 6 (02:09:11):
Oh, shut it, no, I mean I'm sure there Brad
may know somebody. I mean, he's probably organizations that have
more of a national you know, membership and stuff.

Speaker 4 (02:09:22):
He does.

Speaker 6 (02:09:22):
The people that I run with are all person kind
of people and stuff.

Speaker 4 (02:09:26):
So it's so Tarzan listens, I want I want Suzanne
to get you on at ten am tomorrow, and we're
as soon as we can get Brad O'Brien. So are
we good? Hold on, make sure we got the information.
It's absolutely crazy. I gotta take a break, guys, Cody,
hold on, I'm sorry, Cody, you've been holding so dang long.

(02:09:47):
It's my bad.