The Troubleshooter 10-15-25

Episode Transcript

Speaker 1 (00:00):
Yea with.

Speaker 2 (00:07):
News that who you don't have.

Speaker 3 (00:12):
Come running to sustas as we can.

Speaker 4 (00:16):
Shooter is gonna help coming Man Dix is the Troubleshooter Show. Now,
Tom Martino.

Speaker 5 (00:25):
Hello, Tom Martino, here at my satellite office.

Speaker 6 (00:30):
And we have Major Mark, Major, what's up? Who do
you got there?

Speaker 4 (00:38):
Brother?

Speaker 6 (00:39):
Who do you got there?

Speaker 4 (00:39):
We have Deputy Bo Deputy Doc Suit.

Speaker 6 (00:43):
Dynamic duo, and then we've.

Speaker 4 (00:45):
Got Kelly, of course, and I believe on the other
side of the glass, I think I see Shannon and
waiting on Deputy d Well. Mark.

Speaker 5 (00:55):
I have to tell you, man, the the the the
amount of reaction I got from yesterday's show from people
giving me examples of cyber spying.

Speaker 6 (01:05):
We'll get to that in a sec.

Speaker 5 (01:07):
Also, I need to ask something seriously now, and I
really mean this, and I'm not doing it to try
to stir up crap or just get conversation going. And
but and Mark, I know you do a lot of
reading and a lot of the You are a political
animal in some regards and I'm not. But here's what

(01:28):
I want to know. I looked at all of the
mainstream media and the accomplishments no one can deny the
accomplishments recently by this administration. Okay, and all I see,
and I really mean this again, I'm not trying to
turn this into a political form because I truly am

(01:50):
not that person. I am pretty much left or right
depending on issues.

Speaker 6 (01:56):
But here's what I want to know. All of the
mainstream media with everything going on.

Speaker 5 (02:02):
I swear to God that all CNN and other left
wing media wants is the Epstein files. That's all they
talk about. You just heard that on the news that
you know. They don't talk anything at all about what's
been going on.

Speaker 6 (02:19):
Nothing.

Speaker 4 (02:19):
In fact, when they released I thought, I, man, I'm
pretty sure you sit at home and watch MSNBC, because
what I have seen has been nothing from both sides,
sides praising Trump literally praising them for both sides over
the Middle East. So I have no idea what you're watching.

Speaker 5 (02:37):
Okay, what I'm talking I'm talking about news on CNN
and other mainstream media, and you're right, not Fox. I'm
just talking about I always browse all of them to
see how they cover stuff. And right now, you would
think that the number one issue in America, the number
one issue in America right now is the release of

(02:58):
the Epstein files.

Speaker 6 (03:00):
And I know why.

Speaker 5 (03:01):
Because they think Trump is going to be all over
it and they want to discredit him.

Speaker 4 (03:06):
He certainly don't that. No one thinks that way, Tim,
I mean you might some of the stuff you're getting
your news from. Does. I mean, I don't doubt that,
But yeah, most people don't think that. Most people have
a brain. And go, wait a minute. When Biden was president,
if Trump was in there everywhere, he would have threw
him against the wall. My god, they tried to throw
him in jail, they tried to kill him. You think

(03:28):
if there was anything in those files, they wouldn't have
come out with it, don't.

Speaker 6 (03:34):
No, I think I think you're right.

Speaker 5 (03:36):
And and again I'm not going to spend a lot
of time on this, but for example, when there were
when there were actual documents released from the FBI and
other sources showing that senators, the Catholic Church, political opponents
were all being spied on to try to find dirt

(03:56):
from the FBI. I mean, they were treating them like
domestic terrorists. You never saw. And Mark, again, I understand
what you're saying. I'm only looking at one side. No,
I'm browsing. But what I'm saying, is they ignore stories
like this that do you realize the release of those
files showing the government was used as a weapon, isn't

(04:17):
that big news?

Speaker 6 (04:18):
Did you hear a lot about it? Mark?

Speaker 5 (04:20):
On regular news? Did you hear anything about it? Well,
like on Kyle Clark's Next or anything. I didn't hear
about it.

Speaker 4 (04:27):
But I mean, in general, the news sources I listened
to were covering.

Speaker 5 (04:32):
It quite a bit, right, right, And again, I understand
the new sources you're listening to. I listen, I go
around the clock and I and obviously there's more left
leaning media than right leaning. So I look at all
of them and it just amazes me.

Speaker 4 (04:48):
True a major credit. Though in the last two or
three days it's been all about ding the war in
the Middle East. I mean that's eight or nine wars
he's ended in eight months. I'm sure Russia, Ukraine we'll
be next.

Speaker 5 (05:02):
Uh Again, though, I would like to know from anyone
if they feel that this Epstein issue is a big deal.
First of all, are there is there such thing as
the Epstein files? I mean, we're told there's not really
any secret file somewhere, but apparently people feel there's some

(05:24):
kind of list that Epstein kept.

Speaker 6 (05:27):
So anyway, I'll move on from there.

Speaker 5 (05:29):
On the cyber spying thing, Mark I was talking about
the other day, And by the way, call with your problems,
questions and complaints please three oh three seven to one
three talk three O three seven one three eight two
five five. You can also call three oh three Martino,
and you can call that twenty four to seven. A

(05:50):
lot of people download this podcast, a ton of them, and.

Speaker 6 (05:53):
You're listening now and you're saying, I need some help or.

Speaker 5 (05:55):
I'd like to expose something called three oh three six
two seven eight four six sixs's three h three Martino.
And what you can do is leave a message and
then Kachina Calori here she will call you back and
schedule you on the show, so you never have to wait,
you know, on hold. But on the cyber thing, I said,
I slowed down next to a car to look at it.

(06:18):
It was a Porsche. I'm just looking at it because
I'm just looking at different cars. And I did that
about three times in traffic, different places. I saw these
cars and and kind of tried to see, you know,
what they look like, and as far as the model,
because they look kind of cool, right, and then at
a parking lot, I pulled up behind one. It was
parked and I wanted to get out, and I got

(06:40):
out and looked at a model and inside the cockpit,
just to see what it looked like. Anyway, the next day,
on my browsing, wherever I browse, you know how the
display ads come up on the right or left side,
display ads came up all over about the Porsche. I
had never taken a picture of it. I don't even
think I talked about it. I may have said, I

(07:03):
may have said to my wife, Hey, you know that
Porsche's pretty cool. I might have said that, Okay, But
does that mean that that everything you say is being used?
And is your My cell phone's with me all the time,
all the time, so is it spying on me? People say,
beyond the shadow of a doubta spying and you why
do you even ask? You sound silly asking And they

(07:26):
talk about they talk about apps spying on you and
everything spying on you. I read one of the apps disclosures.
It was a flashlight and Mark, I couldn't believe it.
They want access to my contacts. Of course, why does

(07:47):
the flashlight need contact?

Speaker 4 (07:49):
Because they want your data? They sell your data to advertisers.

Speaker 5 (07:53):
Anyway, So that is so incredible. Then I noticed and
I never I promise you, I never get the paper.
This paper was dropped off on my driveway and it
was either like the Denver Post literally yes, literally paper.

Speaker 6 (08:08):
I know.

Speaker 5 (08:08):
I didn't even know what it was. He said, what
is that? And it was Sunday, October twelfth. It's firestarter package.

Speaker 6 (08:15):
Yeah.

Speaker 5 (08:15):
Yeah, I think they do it to try to get
you interested.

Speaker 6 (08:18):
Right. So anyway, I noticed a full page ad, a
full page ad.

Speaker 5 (08:24):
By some guy and apparently he placed his name is
Brent Lamby, and he placed these ads all over the
country and he used his own funds to do it.
He said he was personally doing some research with a
Freedom of Information Act request on certain drug arrests, and

(08:44):
he found out that they had all the information wrong,
and he said that raises urgent concerns. Are your federal
records accurate? Has your personal information been compromise or altered?
Could misinformation affect your safety, security, clearance, employment, and civil rights?
This ad went on to say that everyone has a file,

(09:05):
everyone at the Department of Homeland Security and the US
Department of Justice and the DEA.

Speaker 6 (09:12):
Whether you are an offender or not.

Speaker 5 (09:14):
There is a record at Homeland Security about you.

Speaker 6 (09:18):
Do you believe that?

Speaker 4 (09:19):
Sure? And it says who cares?

Speaker 5 (09:23):
Act? Well, what it says is you should look at
your file and you'll be shocked at what they have
about you. And much of the information will be wrong.
That's what they say, will be absolutely wrong.

Speaker 4 (09:35):
One how would one request access to their file?

Speaker 5 (09:39):
It's Freedom of Information Act? So you file, Yeah, you
file for it with the agency. It's and he gives you.
He gives you the websites on this. I'm not going
to go over all us, but apparently this guy believes
that Homeland Security is spying on us and they are
using a lot of our phone and stuff, uh to find.

Speaker 6 (10:00):
Out where we go, what we do.

Speaker 5 (10:02):
They have even tracked phones that they believe belong to
what they're calling domestic risk.

Speaker 6 (10:12):
Domestic risk? Are you you're doing stuff like that too? Yeah,
in a way.

Speaker 5 (10:17):
But here's what they do when listen to this market's
been nice.

Speaker 4 (10:20):
They've got the Oklahoma City bombers a little early. Listen, well,
listen to what they're doing there.

Speaker 6 (10:26):
See, I personally don't care about this.

Speaker 5 (10:28):
I really don't, because, as you say, aren't we isn't
there a good isn't there a good outcome?

Speaker 6 (10:33):
On some of this?

Speaker 5 (10:34):
They track phones, so if they have domestic terrorists.

Speaker 6 (10:38):
Or suspects or people what they.

Speaker 5 (10:40):
Call high risk, when those phones get together, they consider
it a meeting, and they tracked the idea that it's
a meeting, and then they track the phones after that
for movement. There is so much spine going on. It
just I guess I'd been naive. I did not realize

(11:01):
the extent that all of us, not just for commercial reasons,
but for security reasons, we are absolutely spied on. And again,
slowing down next to a car, you know, will that happen?

Speaker 6 (11:12):
So I did an experiment. I literally did an experiment
the other day.

Speaker 5 (11:16):
By the way, as I said, I'll never make a
call of way you've got a problem question play. I
don't want you to think that I'm I'm, you know,
like last doing the show for my own intent.

Speaker 6 (11:26):
But I did an experiment.

Speaker 5 (11:29):
The other day yesterday, right after the show, because of
everyone saying that geo tracking is part of how they
do it, how they do it geo tracking, And so
I stopped in front of a store of a cert
and I parked, I literally walked in and browsed and

(11:53):
came out, and sure as shoot, I got ads about
that category. I got ads. It was an office supply
place and I got ads. So absolutely positively, it knows
where you're going, and it knows what you're doing, and

(12:14):
they feed you ads based on your location, based on
where you're going.

Speaker 4 (12:19):
I swear we had the same conversation four years ago.
I cannot believe you don't realize every app, your phone,
your car, everything listens to you. Some actually use cameras,
and you acknowledge it all when you install different things.
I know, I know, I guess I really didn't. It
all started with radio shack asking for your phone number

(12:43):
when you buy batteries.

Speaker 5 (12:47):
Well, see, I guess I realized it was going on.
I just didn't realize the extent it was. I truly, truly,
my head was in the sand when it came to
all this. You know, you hear about this, and then
of course we get calls from people a lot that
are you know, they're we call them paranoid. Yeah, but
some of them the reason they're wacko is because some

(13:07):
of it's true, so they it leads them to believe
that all of it's true. Anyway, coming up, we'll have
a question, and Mark's got a great resource for reverse loans.
We'll talk to Tracy, but I have to take this
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oh three nine two zero sixteen twenty two. Hi Tom Martino,

(14:23):
here we got Mark major at the studio with a
bunch of deputies.

Speaker 6 (14:28):
Boy, I'll tell you they get there. There.

Speaker 4 (14:32):
There's a lot of intelligence in that room.

Speaker 5 (14:34):
I think if you add it all up, you come
up to a genius if you add them all up. Hey,
let's go to the phones and talk about reverse loans.
What can we do to help you, Tracy? What's going on?

Speaker 3 (14:46):
I have lots of moving parts to my question.

Speaker 7 (14:50):
Okay, there's much information, and we have.

Speaker 5 (14:53):
We have someone listening from CMG Financial and they are
a direct direct mortgage lender and they do reverse loans.

Speaker 6 (15:02):
So that's good.

Speaker 5 (15:03):
He's listening right now, John Place, go ahead, and let's
hear the moving parts one at a time.

Speaker 3 (15:09):
Once fie, Okay, I turned six. I turned sixty four
in July of this year. I won't be sixty five
until July of next year. I've been unemployed since March thirtieth.
My unemployment funds run out November seventh of twenty twenty five.
I've been withdrawing from my four oh one K to

(15:29):
make my my house, you know, my house payment.

Speaker 6 (15:33):
Were you were you laid off? Were you fired or
laid off?

Speaker 7 (15:36):
Okay, yes, yes, And so.

Speaker 3 (15:42):
With all of that being said, you know, I've looked
into maybe filing for early Social Security now I could
you know, I've called and I could get a problem.

Speaker 6 (15:53):
Yeah, but let me tell you that.

Speaker 5 (15:55):
I mean, that's a personal choice, but I looked into it,
you know, just for and I have to tell you, you
give up a lot of money.

Speaker 6 (16:04):
By taking it.

Speaker 5 (16:05):
By taking it three years early, I mean you or
whatever it's it's maybe four years now. It almost never pays.
How much a month would you get if you took
it now?

Speaker 3 (16:16):
Twenty four hundred dollars a month?

Speaker 5 (16:19):
And did you project to see what it would be
if you waited till sixty six?

Speaker 6 (16:22):
How much full?

Speaker 3 (16:25):
A little over five hundred dollars additional?

Speaker 5 (16:28):
And guess what, you never get that five hundred additional.
It's not like when you when you sign up early,
you get a lower amount than it kicks up when
you turn sixty five.

Speaker 6 (16:38):
I believe it's sixty five and a half or sixty six,
whatever it is.

Speaker 5 (16:41):
What I'm saying to you is you always lose that
extra four or five hundred forever.

Speaker 6 (16:46):
Right right right.

Speaker 3 (16:48):
I'm kind of in a desperate situation, you know, I've
with the job.

Speaker 7 (16:54):
Market the way it is I've applied to over six.

Speaker 3 (16:56):
Hundred jobs since March, and I've.

Speaker 6 (16:58):
Had to pay you.

Speaker 5 (16:59):
Hey, Kenshina has personal experience, not herself, but she knows
someone who's who's applied for hundreds and hundreds of jobs.
She's convinced, and I read about it, and I'm convinced too.
A lot of these jobs are not don't even exist.
They don't even exist. When you when you apply for jobs, Tracy,

(17:21):
what do they tell you you say that you've applied
for hundreds What is the main reason you're rejected.

Speaker 3 (17:28):
That they've found somebody that the qualifications match more closely
to what they're looking for. Yeah, I have had you know,
probably I'm just guessing fifty plus real interviews, you know,
with companies.

Speaker 6 (17:43):
Yeah.

Speaker 3 (17:44):
So so, I mean.

Speaker 5 (17:48):
Okay, so you've been drawing from your floor one K?
What is your monthly nut you have to crack? How
much do you have to pay? What are your monthly bills? Approximately?

Speaker 3 (17:57):
It's about three thirty one dollars. My mortgage house payment
is one nine hundred and seventy five dollars a month.
I have an interest rate at two Okay.

Speaker 6 (18:10):
But basically, well, how much all your bills? How much
it's about thirty.

Speaker 3 (18:14):
One though, yeah, about about about thirty This is kay,
thirty two hundred dollars, and that's okay.

Speaker 6 (18:22):
The market now mark as how much do you owe
on your house?

Speaker 8 (18:25):
Okay?

Speaker 3 (18:25):
So I owe two hundred and eighty one thousand. It's
a it's a praise for approximately five hundred and fifty
thousand dollars. So that's the difference is approximately two hundred
and sixty nine dollars. I owe a key lock through
my bank of twenty thousand dollars, so I'm not sure

(18:47):
how that would work into you know, So.

Speaker 6 (18:49):
What's your homeworth? What was your homeworth?

Speaker 5 (18:51):
You said it's too eighty.

Speaker 6 (18:52):
One five one fifty five fifty okay.

Speaker 4 (18:56):
So John Clace, Well, hold on another another question. If
the home did not have any payment due on it,
and you didn't have that second or that he lock
you're making a payment on, what would your.

Speaker 6 (19:09):
Nut be.

Speaker 3 (19:11):
Two thousand dollars?

Speaker 6 (19:12):
Okay? So you want to know as a reverse loan
right for you?

Speaker 3 (19:18):
I'm wanting to know if a reverse mortgage is an
option for me in my situation. I can't refinance the
house because I don't have a job, I don't have income?
Do that?

Speaker 5 (19:30):
So, John, how does the qualification work for for a
reverse loan? John, Placepartner Lending dot Com, CMG mortgage.

Speaker 6 (19:39):
Go ahead, John, Well, they do.

Speaker 1 (19:42):
Do an income qualifying to make sure you can pay
action insurance on an ongoing basis. So usually social Security
will cover that. But in your case, we do take
like what's your four one k is as an asset
and we don't make you take anybody, but we'll assign
an income to that. A lot of times that will
cover the income needs for a reverse mortgage.

Speaker 5 (20:04):
But let's say she does qualify for a reverse loan,
she owes to eighty one on.

Speaker 6 (20:09):
Five point fifty? I mean, how much really can she get?

Speaker 1 (20:13):
See that's gonna be tough because it sounds like she
actually owes three hundred if you take the twenty home
equity into it.

Speaker 9 (20:19):
Is that correct?

Speaker 6 (20:20):
Right?

Speaker 3 (20:22):
With a home equity loan be taken away from the
two hundred and sixty nine thousand to pay it off
or not?

Speaker 5 (20:30):
So no, no, you you add up everything the first
and second, so that line of credit you'd have to
add in there.

Speaker 3 (20:36):
Okay, okay, okay, got it?

Speaker 5 (20:39):
So total you all in your house was John correct
at three hundred or is it too eighty?

Speaker 3 (20:46):
Well, I just made my house payment, so it's two
eighty one is what I owe.

Speaker 5 (20:52):
Plus the line of credit at the bank.

Speaker 3 (20:56):
That I pay on a monthly as well.

Speaker 5 (20:59):
And that's another that's another twenty rand. Yeah, so you
owe three hundred thousand on five point fifty John, how
does that work out?

Speaker 1 (21:09):
Yeah, that's going to be at her age, it's going
to be tough because you're looking at five fifty. Yeah,
let's just say forty percent moment of that, so you're
looking at probably two twenty on a reverse. What I
do would recommend Tracy, is that off there and let
them give me my number and call me. We do
have some proprietary products that may work. We have called

(21:29):
the Home Safe Second, but I'd have to get some
more personal information from you to see. But the reverse,
it's well.

Speaker 6 (21:36):
Can you explain what?

Speaker 5 (21:37):
Can you explain what that is?

Speaker 6 (21:38):
John? The Home Safe second.

Speaker 1 (21:40):
Sure sure, Home saf second is what we do is
we leave the first alone and she has a good
rate on the first, but they do a qualifications on
a second through reverses, so you don't have to show
what the income and stuff would not be a problem.
As long as you have the full one k, and
usually you can go up closer toy percent loan to value.

(22:01):
So it would be a second that would pay off
her current heelock and could pay off some of her
other debts. So her monthly nut is a lot cheaper
because you don't have to make a payment on the
home safe second. So it's for people that you have
a really good rate on the first one to keep it.
They give you a little bit more money in five
or ten years. If you want to turn it into

(22:21):
a full reverse mortgage, you can do that, but it
can give you some money now without the qualifications of.

Speaker 5 (22:27):
A record, without and without having to make payments.

Speaker 1 (22:31):
Yes, you don't have to make any payments. That's what's
great about it.

Speaker 6 (22:33):
No, all right, hold on, Tracy.

Speaker 5 (22:35):
If you have specific questions, I have to take this break,
and you may have some very specific questions.

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Speaker 6 (23:29):
Help.

Speaker 5 (23:29):
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. Wowow Hi Tom Martino, you're a troubleshooter
thwero three seven one three talks seven one three eight
two five to five.

Speaker 10 (23:50):
So.

Speaker 5 (23:50):
By the way, retirement age full what they call full
retirement age, depends on when you were born. People in
my category from forty three to fifty four. I was
born in fifty three. My full retirement age was sixty six.
If you're born in fifty five, it's sixty six and
two months, and then you add two months after that.

(24:12):
In fifty six is sixty six and four months, so
on and so forth until you get to nineteen sixty
or later. If you were born in nineteen sixty or later,
your full retirement age is sixty seven.

Speaker 6 (24:25):
Mark did some math. What is the math on that, Mark?

Speaker 5 (24:28):
If she takes it at sixty two as opposed to
waiting till sixty seven.

Speaker 4 (24:32):
Well, it's amazing. If you take it at sixty two.
Now she's sixty four, so it's a little different.

Speaker 6 (24:38):
But no, but no, it would be. It would be
the same as if she took it early.

Speaker 4 (24:42):
Oh, it doesn't matter. You're saying it right, take it
at sixty two. Are you sure about that?

Speaker 5 (24:47):
I think so, Mark, I'm looking that the calculations go
early is early period, and then full retirement age. The
only time it matters is if you wait till after
sixty seven and it grows.

Speaker 4 (25:01):
Yeah, that seems a little crazy to me. I don't
know why it would be set up that way. But
regardless that that would change the math because that would
be additional payments for two or three years. But if
you take it at sixty two compared to sixty seven
and sixty seven to your full retirement age, I mean
you're losing about seven hundred dollars a month, which is

(25:23):
about nine thousand dollars a year, or over one hundred
and eighty thousand dollars in a twenty year period. So
I mean you're giving up a lot.

Speaker 5 (25:33):
Of Casey Mark, Mark, I am a bit off. They
say there is a little Actually, you're right, there is
a little more given for each year after sixty two,
but it's a complicated formula. So basically, at sixty two
you get thirty percent less. If at sixty four she

(25:53):
would at sixty four she would get twenty percent less.

Speaker 4 (25:56):
Yeah, now, well you sixty five or sixty six, it's
like thirteen point three.

Speaker 5 (26:02):
And then at sixty seven she gets one hundred percent
of the benefit. The problem is that reduction. She would
have a twenty percent reduction. That reduction is forever.

Speaker 4 (26:11):
Yeah, it's a little confusing.

Speaker 11 (26:14):
I retired at sixty seven, and if I had waited
three years until seventy, I've gotten much more money.

Speaker 6 (26:22):
That's right, that's right.

Speaker 5 (26:24):
The longer you wait, the more you get.

Speaker 6 (26:28):
Right.

Speaker 5 (26:29):
It's just simple to say that the longer you wait,
the more you get. And at age seventy you can
get a lot more money if you wait again, at
sixty two is the earliest you can possibly take it,
unless you're on disability, but let's forget.

Speaker 6 (26:46):
That for now.

Speaker 5 (26:47):
So sixty two is the earliest you're going to get
regular Social Security and it will be thirty percent less
than if you wait it till sixty seven, no matter what,
and it will always be that end. You will be
limited on the income you can earn until you're sixty seven.

Speaker 4 (27:05):
If you wait till you're seventy two, that's when you
can't wait any longer. There's no benefit to waiting any longer.
But I mean, you're talking an increase of you know,
twenty five No, twenty five percent, twenty four percent is
sixty seven to seventy if you wait till age seventy two.
I mean you're like.

Speaker 5 (27:26):
Mark, my boyfriend tells me, if you wait till just
seventy it's one hundred and twenty four percent more.

Speaker 6 (27:32):
Yeah, that's it, that's what I'm saying.

Speaker 4 (27:33):
Well, no, it's twenty it's one hundred and twenty four
percent of yours.

Speaker 6 (27:37):
You're right, pay, you're right, you're right, you're right.

Speaker 5 (27:39):
That's that's basically, Yeah, it's one hundred and twenty four
percent of the base.

Speaker 4 (27:44):
And if you wait till you're seventy two over sixty seven,
I mean you're talking about a massive, massive change right now.
You would be pulling if you maxed out seventy two
hundred extra year. So I mean, I guess the moral this.

Speaker 5 (28:00):
Story, Tracy is do anything you cannot to take it early.
For you, your retirement age will be sixty seven on
your birthday.

Speaker 6 (28:08):
When is your what part of the year is your birthday?

Speaker 3 (28:12):
July twenty third? Okay?

Speaker 5 (28:14):
One?

Speaker 4 (28:14):
But I'm afraid Tom, I mean I talked to her
a little affair. I mean, she's only in. John Clace
is still listening. You know, the reverse isn't going to
work her four oh one case. She's got fifteen you
said fifteen thousand, right, yeah, I mean I don't know
how she'd possibly qualify for any loan what I would suggest,
And then let's let John chime in. And I know

(28:36):
you're not going to want to hear this, but I
think you sell the house and downsize into a condo
or something.

Speaker 3 (28:42):
And you know my husband, well, my significant other, he
and I have actually talked about that, you know, But
I I mean, but when is the fit. No, we
both have family in Pueblo. Costant living in Pueblo is
a lot less and it is here and that's right.

Speaker 4 (29:02):
Oh, that's right. And if you guys, if you guys
are retired, I mean, you know, Pueblo is one thing,
but really think of like Nebraska, think Kansas. Think why
you own it? And you know what places keeper?

Speaker 5 (29:13):
And here's something we should just put out there.

Speaker 6 (29:16):
You don't have to own something. You can rent.

Speaker 5 (29:19):
If you're older, you can rent and some of these
adult communities have pretty good rents. You don't have to
buy something. Now. You know, people say bye bye bye.

Speaker 6 (29:30):
Sometimes buying is not the answer.

Speaker 1 (29:34):
And you you you could do what Mark said, and
you could do it if you wanted to buy. You
could do a reverse or purchase with the proceeds you
get from the cell of your house and be able
to qualify. But Tom's right, you got to wait way
what the options on. But you could qualify for a
purchase reverse mortgage with that. And just keep in mind

(29:56):
that you're going to have to your age put down
about sixty percent of whatever value is that you're purchasing.

Speaker 5 (30:01):
You know, she could do that if if she makes
good money on her house and Frank Duran would help
her do that. Frank durand real estate man dot com.
If she if she could make two hundred grand on
her house and put that down, I mean, she could
get a reverse and not have to make payments on
her new place. Tracy, what you should do. What you

(30:24):
should do is call John off the air. He'll answer
these questions with no obligations. Seriously, he's a great guy
partner in lending dot Com.

Speaker 4 (30:33):
You know, there's something I really do want to emphasize here.
I was just typing in some small towns around the country,
not that far away, like Nebraska. I mean, you look
at a town like Chadron. Your average house price air
for like a sixteen hundred square foot home to two thousand.
This is going to blow everybody away. But the median

(30:54):
price is one hundred and forty thousand dollars, I mean,
and the cost living compared to Denver Metro is probably
forty percent less including utilities, energy, everything.

Speaker 5 (31:08):
That's a good point.

Speaker 8 (31:09):
Mark.

Speaker 5 (31:09):
People sometimes should really select an area based on their
situation because you can have a wonderful life. I mean,
there are many markets around the country like that. In fact,
Vestera turnkey. That's what they do. They look for Marcus
where purchasing is very reasonable, and then people are getting

(31:29):
a good a good amount of rent. And so you
should check into check into other markets, and Pueblo's not
that bad.

Speaker 4 (31:38):
And the other thing is, if you called up Frank Duran,
one hundred percent free, nicest guy you'll ever meet, but
he'll give you a real idea of the value of
that house. You're just pulling it out of a hat
right now. He'll come out, look at it and he's
going to tell you what you can sell it for.
Then you can start making real decisions. Then you call
up and you talk to John Clays about buying a

(31:59):
cheaper house on a reverse mortgage. Hey, you're gonna have
one hundred thousand in your pocket. Under the scenario we're
talking about, you're gonna own a house that you're never
gonna have to make a payment on. It's gonna drastically
change your Life's.

Speaker 5 (32:11):
All right, wow, wow, all right, Well, thanks for calling
John Clay's numbers three oh three, five seven, seven, seventy
two oh six.

Speaker 6 (32:20):
Kelly can give you that off.

Speaker 5 (32:21):
The air now, Shannon, you can clearly blame Mark for
being late for this break because he was the one
talking most. Okay, so spread it around.

Speaker 6 (32:30):
All right?

Speaker 5 (32:31):
We got more right after this, Go with a sure
thing Denver's best roofer Excel Roofing dot com. You don't
pay a cent until you're content. Time for an insurance
check up free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three oh three seven seven to one help.

(32:53):
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 Align three oh three nine two zero
sixteen twenty two. All right, Deputy Dimitri has a follow up.

Speaker 6 (33:09):
Amy, this was a mess.

Speaker 5 (33:11):
Basically, she bought a car from AutoNation two years ago.

Speaker 6 (33:15):
It was a clean car, fact, she said. When the
car was stolen and they.

Speaker 5 (33:20):
Recovered it, they found out that it had been in
an accident and totaled three months before she even bought it.

Speaker 6 (33:27):
What's going on with that case?

Speaker 9 (33:28):
S dee Hey, Tom, Just a quick minor correction.

Speaker 12 (33:32):
It wasn't totally in an accident, but years ago the
car had been stolen and not returned for a long time.
So the previous insurance company for the previous owner from
a long time ago deemed it a total loss. However,
even though that is supposed to be reflected on the
title and the carfax report, neither of those things happened.

Speaker 4 (33:54):
So ultimately when they reported it is a total loss,
we'll call it in insurance company A. They were supposed
to when they sold it. They recovered it, but it
was a total loss. They're supposed to actually have that
title changed at that point. Then they never did, so
she ended up buying it from AutoNation as a regular car,

(34:18):
which it is. It was a total loss car. Now
she can't even get it insured and State Farm canceled
her policy.

Speaker 9 (34:25):
Else they canceled her and then it gets worse, all.

Speaker 13 (34:29):
Right, So we'll follow this if you hear the rest
of it after this, and then we.

Speaker 5 (34:33):
Have Thomas who wants to talk about a storage unit.

Speaker 6 (34:36):
We'll take him next, and then go back to d.

Speaker 5 (34:40):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com.

Speaker 6 (34:44):
You don't pay a cent until you're content.

Speaker 5 (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 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 14 (35:10):
Yeah, rita.

Speaker 15 (35:17):
News.

Speaker 16 (35:19):
You needed that so.

Speaker 6 (35:20):
You don't have.

Speaker 14 (35:23):
Run Inso as fat as.

Speaker 11 (35:24):
We can show, Shooter's gonna help coming man.

Speaker 17 (35:30):
Is the Troubleshooter Show now, Tom Martine, Hey, Hey, hey.

Speaker 6 (35:36):
Welcome to the show. We got a lot to talk about.

Speaker 5 (35:39):
We got me at the UH at the satellite studio
and Major Mark Major at the main studio with a
bunch of deputies. And what we're gonna do is take
your calls.

Speaker 6 (35:50):
Okay, let's get right to it.

Speaker 5 (35:51):
Thomas has an issue with a storage facility. Thomas, what's
going on with you?

Speaker 4 (35:59):
So?

Speaker 17 (35:59):
I had a storage unit at the Green Box off
Santa Fe across from Oberlin Park, and I liked it.
The property manager was really good. In my second month there,
I had some stuff out in the hallway, and because

(36:21):
I was trying to organize my unit so I could
get to things and.

Speaker 6 (36:25):
Is it called the place is called the green Box?
Did you say? Yeah, okay, go ahead.

Speaker 17 (36:33):
So the guy in the unit next to me eventually
comes and even though I didn't really have things out
too much, I was just like, if anything's in the way,
let me know. I'll I'll get it out of your way.

Speaker 6 (36:44):
But how long was it there? How long was it.

Speaker 17 (36:47):
There just the just whenever I was messing with it, like,
I'm not sure how long?

Speaker 13 (36:55):
But but but I mean, you didn't leave it there
and go home or anything like that, right, No, No,
so you when you went there to organize, you would
have stuff in the aisle temporarily.

Speaker 3 (37:11):
Yeah.

Speaker 17 (37:11):
And I was also in the corner, so the one
next to me wasn't rented, So for the most part,
I wasn't really in anybody's way. But okay, she'll say, hey,
if you need me to move, I will. So anyway, he,
I guess secretly took pictures of it, went past the
manager to the corporate people. I told him I was

(37:33):
trying to live there and stay there. And there was
a time I had fallen asleep because I have my
couch in there, and I sat down and did, yeah, so.

Speaker 4 (37:43):
You're living in there? Thomas, it's no big deal.

Speaker 17 (37:45):
But I know I've never been in there past hours.
I just admit there's days I was burning the candle
both in. I sit down for a minute and suddenly
realize I'm waking up on my couch. But I never
I wasn't trying to stay there. I just wanted to
kind of work stop at work on my bike and stuff.

(38:07):
But it gets crazier. Okay, So one of the corporate
ladies eventually comes through while I'm working on stuff, and
she's just losing it on me, telling me like, you
can't have stuff out in the hallway. You can't have
stuff in the way. And I have video of other
people that have had their stuff out and nobody.

Speaker 10 (38:24):
Had a problem.

Speaker 5 (38:25):
Yeah, but so where does this all end? What's the
end of the story. Did they evict you?

Speaker 17 (38:30):
So yeah, she said, so if I check the camra,
you're not going to be here after hours trying to
live here. And I said no, because she wouldn't find
that footage, but she still just went straight to evicting me.
I don't even think she ever checked the footage. She
just evicted me. And so I don't have a truck

(38:52):
that's accessible. I have a friend that's very hard to
get them to use it. And the manager has always
been cool with me, so she knew I wouldn't make
the three day eviction and she was going to work
with me to still get back in and get my
stuff out. So while I wasn't even there and I
was locked, my code was locked out, this guy still

(39:16):
cuts locks off of multiple units around us and drug
the stuff out into the hallways to try and say
I did it, And I mean they called him on
it and he admitted to it. So he got arrested.
And I think he's getting evicted by police escort now
because I guess he's crazy. But they're not letting me

(39:38):
back in like I would need like a day to
get my stuff out, and they're not letting me back in.

Speaker 5 (39:43):
Well, well, hold on, when you tell them you want
to get your stuff, what do they say, No, it's
too late.

Speaker 6 (39:49):
What do they say?

Speaker 17 (39:51):
They said, you had a three day eviction and it's
past that you can't get in. And because of the
way they're doing me, the property manager has even and quit.

Speaker 5 (40:01):
So, Thomas, you had a three day eviction and at
the end of the third day, what happened? What happened
when your time ran out.

Speaker 17 (40:12):
I just my number was unlocked, but I was in
communication with the But where did.

Speaker 6 (40:17):
Your stuff go? Where did your stuff go?

Speaker 17 (40:21):
It was still in the unit?

Speaker 6 (40:22):
They just where is it now?

Speaker 5 (40:24):
How long ago was that? When was your three days up?

Speaker 18 (40:29):
The thing?

Speaker 17 (40:29):
It was like two weeks ago?

Speaker 6 (40:32):
And where is your stuff now?

Speaker 17 (40:35):
So it's in there because two days ago is when
we worked out that. I got a van off my
friend and she was going to let me in to
get my stuff, and I guess they saw me on
the cameras getting my stuff, so they sent her a
text saying you don't have to stay out your quit time.
You can just leave now and put the keys in

(40:57):
the lock box. And then they said somebody and to
tell me to leave before I could get it done.
And so I think it's still in there in the unit.

Speaker 5 (41:08):
But so you never got any of your stuff out.
She did give you time to get your stuff out.

Speaker 17 (41:13):
But I had I made like two trips that day,
and on the third visit is when they came and
unfortunate it and what's left I could I could get
done in less than a day.

Speaker 6 (41:29):
And they won't let you back in.

Speaker 4 (41:34):
Well, let's have someone call over. I mean, Bo, you
want to make a call, you know what, Let's have
deputy Doc call over.

Speaker 6 (41:42):
I'd like to ye.

Speaker 11 (41:43):
I mean three day notice. A three day notice is
just getting ready to go to court.

Speaker 14 (41:48):
No.

Speaker 4 (41:48):
No, it's a storage facility. So it's I think it's different.
You're not supposed to be living there.

Speaker 11 (41:53):
Well, they can't prove it.

Speaker 17 (41:55):
I wasn't living there.

Speaker 5 (41:56):
It's not whether they could prove it or not. They
got an eviction period and he was supposed to be out. Okay,
I mean, you know, whether we like it or not,
he got an eviction and whatever they told the course,
they got an eviction. So he had to get his
stuff out.

Speaker 4 (42:11):
Can you get all your stuff like in an hour?

Speaker 6 (42:13):
Now?

Speaker 4 (42:14):
I mean if we call up, we got to have
a timeframe. We're not going to say, hey, he'll have
it out by January.

Speaker 17 (42:21):
Maybe longer than an hour, but definitely and less than
their two.

Speaker 4 (42:26):
So if they say he can come over tomorrow between
two and four pm and we're good, that's all good.

Speaker 17 (42:34):
Three hours might be here.

Speaker 5 (42:36):
Okay, let's see if we can get this guy some
time just to get his stuff. Thomas, where are you
putting your stuff now?

Speaker 17 (42:45):
I have a friend. The same guy that's letting me
use his van is letting me store it at his place.

Speaker 4 (42:51):
Where do you sleep if you don't sleep there?

Speaker 5 (42:53):
I was going to ask the same thing, where do
you have a home or are you homeless?

Speaker 17 (42:59):
I'm ruffless. It's like almost two years ago my dog died,
and I've just been traveling and staying with people and
doing YouTube stuff. I mean, I could still go back
to the grind and get a lease, but I'm still
I guess I'm still coping.

Speaker 5 (43:18):
So you're coping with the death of your dog two
years ago, three years, three years.

Speaker 17 (43:24):
It was almost two years. It'll be two years in May.
I don't know if I'm really coping now, but you
guys probably remember me, like long ago on Christy, I
do that. Yeah, I took that what was his name, will,
the black homeless guy. His wife died of cancer. I

(43:44):
took him in and got kind of like.

Speaker 6 (43:47):
The guy with the cow the guy with the cowboy hat. Yep,
you're absolutely right.

Speaker 17 (43:51):
Yeah, And I got and like we got him a
hotel down off like Hampton Thomas, Thomas, do you work?
I make money. I don't have a regular job. I
have investments and crypto and stuff.

Speaker 6 (44:08):
Time.

Speaker 5 (44:10):
Listen, man, is this stuff work right? Is this stuff
worth going after? That stuff that's still in the storage
unit or is.

Speaker 6 (44:16):
It just junk?

Speaker 4 (44:17):
Hey, Dak, we want you to make a call to
a store.

Speaker 17 (44:20):
What is the counter parts the stuff I already took out,
Like my solar panels are still in there. Uh, there's
a lot of like important.

Speaker 5 (44:30):
What is your end what if you don't mind me asking,
what is your endgame with all this?

Speaker 6 (44:34):
What are you going to do with all your stuff?
What are you going to do? What is your what
is your future plan?

Speaker 1 (44:40):
Well?

Speaker 17 (44:41):
Most of it is things I use, like my tools
and my solar system and things like that. And I
have ten acres down south on the Rio, granted, like
to establish something on but uh yeah, I just want
to get the rest of myself that already started. I'm
kind of a minimalist.

Speaker 4 (44:59):
As it is, but.

Speaker 17 (45:02):
I have no fooling all right.

Speaker 5 (45:06):
Listen, Thomas, We're going to make a call for you.
That's all we can do. I mean, truly, you know
you're this is a pile. This doesn't just happen overnight.
I mean, it's Thomas, I'm not trying to insult anyone.
But we get calls from people and it's almost like
they bury this giant hole. They do everything wrong. All

(45:30):
these things don't happen overnight. When we have problems like
this with people who always have problems, they always have problems,
and it all starts in one's place. One bad decision
leads to another bad decision leads to another bad decision,
and then everyone else is to blame. Okay, you notice
Thomas not once did he take responsibility for anything, not

(45:54):
one thing. Everybody's doing it to him, the neighboring unit,
the landlord, the owner. Everyone's doing stuff to him. And
that's the way it was years ago. The guy just
doesn't change. He says he has crypto investments and land
start selling.

Speaker 6 (46:10):
Some of that stuff. Get your life to that, for
God's sakes.

Speaker 5 (46:13):
I just often wonder what the hell makes some of
these people tick? What makes him tick? I mean, look
at I have authority to speak. I've been doing this
fifty years, fifty years, and there are certain people I'm
just gonna say it, there are certain people that always
have problems, always, always, and it's always other people's fault.

Speaker 6 (46:38):
Have you noticed that, Mark?

Speaker 5 (46:39):
I mean, you've been with me a good part of
the time. Do you notice the same pattern. Yeah, there's
always there's a personality.

Speaker 6 (46:47):
I don't know what it is. They always have problems.

Speaker 4 (46:52):
So and he's still ok, he's still up on the line.
He I think he wants to live this way. So
I mean, if we can help him out get his stuff, great.
But this goes back to what I refer to the
homeless situation, where like mayor Mike wants to home, all
these people a lot of people don't want to live
in a home. I mean, honest, Thomas, you're up right now.
Do you like your lifestyle? Is this how you.

Speaker 6 (47:13):
Want to live?

Speaker 4 (47:14):
You said you didn't want to go back to the
bump and grind and get a job in an apartment.
You like living this way and that's fine.

Speaker 6 (47:22):
I'd like to see what is his YouTube? What is
his YouTube? What's your YouTube channel?

Speaker 17 (47:27):
It got taken down, but I have a new one
that doesn't have all my vegas and travels on.

Speaker 6 (47:33):
Why was it taken down?

Speaker 17 (47:37):
Because the guy was making fun of my dog dying
and I busted a live round under a bridge when
I was raging on him.

Speaker 5 (47:45):
Oh so, but that's someone else's fault.

Speaker 6 (47:49):
Again, it wasn't his fault.

Speaker 5 (47:52):
So, man, let me ask you something, Thomas, do you
take any responsibility for anything going on in your life?

Speaker 17 (48:01):
I am mister accountability. Like nobody believes me that I
really wanted to come experience this. I'm trying to learn
how to fit a camel through a needle's eye.

Speaker 4 (48:12):
What the what does that mean?

Speaker 6 (48:15):
What does that mean?

Speaker 17 (48:16):
I'm in the top ten percent in the world of
XRP holders, So before that takes.

Speaker 5 (48:22):
Off, the hell, what the hell is an XRP, Tom,
tell me what is an XRP holder.

Speaker 17 (48:29):
It's the new World reserve currency in likewo system, all right.

Speaker 2 (48:34):
So if I'm.

Speaker 17 (48:36):
Suddenly going to be more wealthy than I was off Tesla,
I need to learn to fit a camel through a
needle's eye.

Speaker 4 (48:44):
What does that mean?

Speaker 5 (48:45):
You're not You're not making You're not making any sense.

Speaker 17 (48:49):
It's biblical. It is easier time a needle's eye than
a rich man get into heaven.

Speaker 6 (48:57):
Okay, but I.

Speaker 5 (48:58):
Know what I know the I know the scripture you're
talking about, But I mean, what does that mean in
your actual life?

Speaker 1 (49:06):
Okay?

Speaker 17 (49:07):
I'm not out here flying a sign, bumming and begging
I'm out here interacting with these outdoors and doing what
I can for them when I can. I'm not a victim.
I to make my own decisions, make my own money.

Speaker 4 (49:24):
Okay, you realized here's a whole underbelly out there that
we will never understand.

Speaker 5 (49:31):
Yeah, go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out Now three all three seven
to seven to one.

Speaker 6 (49:51):
Help.

Speaker 5 (49:52):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three to zero sixteen
twenty two. Hi renew Home Innovations the most beautiful walking
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(50:14):
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thousand renew home Innovations dot com. Hey, you know, I

(50:35):
got some text from people saying that what I'm trying
to describe is simply one word a loser. But I
don't think so. I think some of these people that
call and complain and blame everyone else for their life, they.

Speaker 6 (50:50):
Are not stupid people, No, they're not.

Speaker 5 (50:53):
Yes, but what makes a nut well anyway, well really really,
what is it?

Speaker 4 (51:00):
Cats under a bridge at somebody? But but what.

Speaker 6 (51:06):
Is it makes someone that's a little nutty?

Speaker 5 (51:10):
What makes a person can't who can't cope with the
system we live in?

Speaker 6 (51:15):
And they blame everyone else for their.

Speaker 4 (51:16):
Problems with trying to fit a needle in a camel's ass?

Speaker 5 (51:21):
Oh show, okay, Keith, you have a question on electrical
Go ahead, Keith.

Speaker 3 (51:27):
Thanks to you McCall.

Speaker 8 (51:28):
Yes, sir, I have a I had a freezer that
went bad and I think it tripped the the GFI
outlet and I tried to reset the outlet. There was
some sparks coming out of it, so I plugged that fraser.
It works fine now, but I think I then replaced
it just is for that reason, because I've seen some

(51:49):
sparks coming in.

Speaker 5 (51:49):
Where did the where did the sparks come from the
outlet itself?

Speaker 8 (51:54):
Yes, yeah, I could see it, or the or the
test button and the reset button. I could see some
sparks coming out of there.

Speaker 5 (52:02):
Okay, Keith, I don't think that's your I don't think
that's your freezer. The way you can check that is
by plugging it in somewhere else.

Speaker 6 (52:09):
It sounds to me like the GFI is going bad.

Speaker 8 (52:13):
Okay, that that's possible.

Speaker 6 (52:15):
That's well, that's that's almost as sure. That's almost I'm
almost sure of it. A GFI is a locally uh
is a local.

Speaker 5 (52:24):
Brain little brain there, and when it goes bad, when
it goes bad and is trying to sense a short
or not, and it's in between, you can get some
heat and some sparking, and I.

Speaker 4 (52:36):
Got to throw something in here. You're absolutely insane, Keith,
to plug in a freezer to a GFI. If you're
ever out of town and that thing trips, you come back,
if you that's a good point. It's gonna be the
worst thing you have ever dealt with cleaning it out.

Speaker 5 (52:52):
But The problem is mark a lot of kitchens, A
lot of kitchens have jfi's or the garage that's all
they have.

Speaker 8 (52:59):
Or you yep, yeah, this is in the garage and
that's that's only I have.

Speaker 6 (53:04):
Yeah, well, you.

Speaker 5 (53:05):
Can replace that GFI with a regular outlet. Look at
you don't need something so sensitive as a GFI for
a freezer, Marcus right.

Speaker 6 (53:15):
It's absolutely crazy.

Speaker 4 (53:16):
In fact, if it's tied to other GFI circuits, in
all of a sudden you blow one in the kitchen
or in the bathroom, and that one's attached, you don't know,
the freezers out once again three four days later, you
might as well have a rotting corpse.

Speaker 7 (53:31):
Yeah, yeah, I understand.

Speaker 3 (53:33):
Yeah.

Speaker 8 (53:33):
Yeah, So if I replace that GFI with a regular outlet,
will it still meet code?

Speaker 5 (53:40):
Well, let me ask you, why you care? Who's going
to come and inspect your garage?

Speaker 1 (53:46):
Yeah, that's true, that's true.

Speaker 5 (53:48):
No, I'm serious. I don't mean to be a smart ass.
I mean it, who cares? I mean there were times,
for example, there were times, for example, that things were
noted on code, and you do it for the code,
and as soon as you get you get rid of
the inspector, you go back.

Speaker 6 (54:02):
To the way you want.

Speaker 4 (54:03):
Hey, Keith, call up what was it against Susann Integrity.

Speaker 15 (54:07):
Yeah, Bob with UH integrity Electric Integrity Electric.

Speaker 4 (54:10):
He can come out there and knock that out numerous ways.

Speaker 9 (54:14):
It just did work for me.

Speaker 4 (54:15):
And oh in Colorado Springs, I'd call Valerio then, Yeah, Valerio,
Luis Valerio, he's on the referral list. Start typing in
Valerio VL and it'll pop up.

Speaker 12 (54:32):
Yeah.

Speaker 5 (54:32):
Yeah, you know, Like like I said, it's not a
big deal. It's not those sparking and heat. That's a
very common thing caused by resistance because it's trying to
it's going between short or not as short, and that
those gfis can be very sensitive. Thank you for calling Keith. Angie,
what's going on with you?

Speaker 6 (54:51):
Angie?

Speaker 5 (54:53):
Hi?

Speaker 10 (54:54):
I live in and I just this past week moved
from a one apartment complex to another. I was living
at a place called Sky at their Creek on Oxford Lane.
And so just a little bit of background, I have
two now adult children on the spectrum, like my son

(55:15):
the best, just just for the sake of describing it,
my son's exactly like Arnie from Gilbert Gray and Bray man,
he's really low functioning autism.

Speaker 5 (55:26):
Yeah.

Speaker 10 (55:27):
Anyway, so he just turned eighteen when we met. I
actually had to evacuate my kids from this apartment complex.
We have been living there since twenty sixteen, twenty seventeen,
and at firstun we moved in there. You know, they
had done all the cosmetics. It was nice, you know,
so three years ago. The first problem was I broke

(55:50):
my back on their steps, like they didn't shovel the
snow off the sidewalks or anything in their steps inside.
And I know it's passed what you can do for
let a gaation, but I broke my back L one
drew L four on the ships.

Speaker 6 (56:04):
Why didn't you do anything?

Speaker 5 (56:06):
Wait a minute, why didn't you do anything about it
back then? And by the way, if you were living
in the apartment, was this the apartment house where you
broke your back or was this just your apartment or house.

Speaker 10 (56:17):
You No, it's an apartment building.

Speaker 5 (56:19):
Okay, Why didn't you do anything? Why didn't you do
anything about it?

Speaker 10 (56:24):
Why did I called? I called the CEOs and everything
of the company, and they just told me there's nothing
we could do.

Speaker 6 (56:30):
And then why didn't you see an attorney? Why didn't
you see an attorney?

Speaker 10 (56:35):
I called around and they all wanted like consultation fees,
and I didn't have it at the time.

Speaker 5 (56:41):
No, Angie, if you had a personal interce that they
thought was worth anything, they would have conted you free
of charge. You say you broke your back. Were you
in the hospital, Angie? Were you in the hospital?

Speaker 10 (56:55):
Yes, Colorado Spring Ambulance came at me and took me
to Penro.

Speaker 6 (57:00):
You could walk, I broke How long were you? How
long were you in the hospital, Angie?

Speaker 10 (57:05):
Just that afternoon. They just diagnosed, but there's nothing they
could do.

Speaker 6 (57:09):
It was well, if you broke your back where you
said you broke, your back would be paralyzed.

Speaker 5 (57:14):
So you apparently didn't break your back. You may have
dislocated some discs or something. But but anyway, that's neither
here nor there. I don't want to spend time on that.
It's too late for you to do anything about it.
So what are you calling about today? Let's not talk
about three years ago? What are you calling about today?

Speaker 10 (57:31):
Okay, So this building has a lot of plumbing issues.

Speaker 6 (57:38):
And this is this is your new place? Is this
your new place now?

Speaker 10 (57:43):
No, this is this is my old place. This is
why I evacuated my children out a sky at their creek.

Speaker 4 (57:50):
They what does that mean?

Speaker 5 (57:51):
You evacuated your children? And Angie, let me ask yourself.
I just got it, Honest to god. I got to.

Speaker 6 (57:57):
Straighten this out.

Speaker 5 (57:58):
You're complaining about it apartment you used to live in.

Speaker 6 (58:01):
Is that correct?

Speaker 10 (58:03):
I lived in there a week ago?

Speaker 6 (58:06):
Okay?

Speaker 3 (58:07):
What?

Speaker 6 (58:07):
Okay?

Speaker 5 (58:09):
So you moved into this apartment? When when did you
move When did you move into the apartment.

Speaker 10 (58:16):
I moved into that apartment around twenty sixteen, seventeen.

Speaker 6 (58:22):
Okay, and you've been living okay, Okay, So you're complaining
about a place you've lived in since twenty seventeen.

Speaker 18 (58:33):
Right, it didn't.

Speaker 10 (58:34):
I didn't start having big troubles, these these big comblems
i'd like to tell you about till recently.

Speaker 4 (58:43):
Let's get your thoughts together, let's break real quick.

Speaker 6 (58:47):
Yeah, here's what I need to know.

Speaker 5 (58:49):
Angie. You're apparently calling.

Speaker 6 (58:52):
To say you had to evacuate the.

Speaker 5 (58:54):
Apartment because of dangerous living conditions. I'm just going to
tell you something, Angie. You know, most of the time
these cases go nowhere.

Speaker 6 (59:04):
I'm just gonna be honest with you.

Speaker 5 (59:06):
Okay, unless you have absolute proof that your health was endangered.
We got more coming up, and I want to just
first tell you this is really important. I want you
to know the Compass will do a free insurance checkup
for the asking to make sure you have the right
coverage or you're not paying too much.

Speaker 6 (59:24):
Three oh three nine nine six nine thousand.

Speaker 5 (59:31):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content
time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only

(59:52):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hey Tom Martino, here,
Angie is going to tell us about a problem with
mold from an apartment she's been living in and she

(01:00:13):
says she had to evacuate. Angie, I just want to
tell you straight up, Okay, says I don't want to
bait you or anything.

Speaker 6 (01:00:19):
I want to tell you something. Okay, most, and this is.

Speaker 5 (01:00:23):
Something people refuse to hear, but I'm going to tell
you listen carefully. Most mold, ninety percent of mold is
non toxic and a natural part of the environment. You
can be allergic to a non toxic mold and it
can produce symptoms, but it is very seldom dangerous. There

(01:00:45):
are other kinds of molds that are pathogenic, and what
they do is if you have a weakened immune system
and you touch them, it can get you sick. Then
there is toxic mold. Toxic mold often called black mold.
These this is about less than two percent.

Speaker 6 (01:01:08):
Of all mold is toxic mold.

Speaker 5 (01:01:11):
What it causes are respiratory issues, fatigue, and some neurological symptoms. Okay,
So the apartment that you're in that you did you
discover mold?

Speaker 4 (01:01:25):
Yes?

Speaker 10 (01:01:25):
And I have pictures, I have all documentations, So I'm.

Speaker 6 (01:01:29):
Not asking Here's all I'm asking about.

Speaker 5 (01:01:31):
Do you have a laboratory that tested it and determined
it was toxic.

Speaker 10 (01:01:36):
I sent it into my son's doctor.

Speaker 3 (01:01:39):
Yes.

Speaker 5 (01:01:40):
Did your son's doctor test it, yes, So you have
a lab report saying.

Speaker 6 (01:01:47):
That it's toxic mold.

Speaker 3 (01:01:50):
Yes, and my.

Speaker 5 (01:01:54):
Okay, and how did this mold suddenly if you've been
living there, if you've been living there for three years.

Speaker 6 (01:02:01):
I'm trying to I'm trying.

Speaker 5 (01:02:02):
To play Devil's advocate here, so you see what you're
up against. If you were living there for three years,
how long has the toxic mold been there?

Speaker 10 (01:02:10):
Okay, so let me explain the things that have happened. Okay,
this is I guess, an old building. It's on decomposed
granted they have crappy pipe, I don't know. And then
they have all these people putting stuff in their toilets
they shouldn't, so the place floods and it comes to
we live on the bottom floor. We lived on the
bottom so things are coming up through the toilets, all

(01:02:31):
over the apartment, all over things, and they're going in
fixing the problems temporarily, I guess, because it keeps happening.
And then they're like nothing about the flooring, the torrego,
the stargege just drive sewage. And my son kept getting sick,

(01:02:51):
kept getting sick, and I kept saying, hey, you guys
need to do something here, something, you know, my kids
need to live here.

Speaker 3 (01:02:58):
I can't just.

Speaker 10 (01:02:59):
Go somewhere else through this time period. And so my cabinet,
the vanity cabinet in one of the bathrooms, I noted
where it was deteriorating, rotted woods, and I kept complaining,
kept complaining to get it fix. Finally, two days before
I moved out, they pulled the cabinet from the wall

(01:03:20):
and it was all mold behind it, underneath it.

Speaker 6 (01:03:23):
Everything all right.

Speaker 5 (01:03:24):
Now, Angie, how did you collect the mold to have
it tested by the doctor?

Speaker 10 (01:03:29):
I put gloves on, I took a mold sampler and
it was placed in a bandage and sent it.

Speaker 5 (01:03:35):
Right, if you can send us the lab report saying
it's toxic mold, we can help you with the habitability
standards to get compensated that if you had to move out.
We absolutely need real evidence, So Andrew, you're one of
the few people that have real evidence.

Speaker 6 (01:03:53):
So we need that. We need the laboratory report.

Speaker 5 (01:03:56):
Showing it is toxic mold, because that would have been
my instructions. I would have said, to you, have it
tested and if it's toxic mold, they they have to
fix it, okay, or they have to compensate you. So
can Kelly is going to let you know where to
send that report, and we need to see the lab report.

Speaker 6 (01:04:15):
It's a good thing you did that. Can you send
doctor had to test?

Speaker 4 (01:04:19):
What right do you have it?

Speaker 10 (01:04:21):
Very thorough of this stuff. I'm you know, I'm I'm not.

Speaker 4 (01:04:24):
A person there, but can you send that report right away?

Speaker 5 (01:04:27):
Ask the doctor for the report so we can we
can use it. We're gonna have to use it as evidence.
Otherwise they're simply going to say we're fixing it. And
and you know there's not gonna be any link. So
please just let me help you. But in order to
help you, I need evidence. Ninety eight percent of all

(01:04:50):
mold is I won't say it's harmless, but it's non toxic.
It causes sometimes allergic reactions and other things. Mostly it
causes psychological illness. But with toxic mold, that is definitely
definitely something they need to address. And and uh so,

(01:05:11):
so just I need the lab report that calls it toxigenic.
It's called toxicgenic. And there's a name for it that
I can't even pronounce, but it's it's stocky Borti's charitum.
I mean, it's just it's just a long scientific name.
But that is definitely not good for humans and can

(01:05:32):
cause serious illness. Thank you very much for calling three
oh three seven to one three dogs Katschina. Have her
send us that lab report and then we can help
her without I'm just gonna tell you.

Speaker 6 (01:05:43):
This straight up.

Speaker 5 (01:05:44):
Without a lab report showing toxicity, you are not going
to get mold issues taken care of. You might get
them repaired, but you're not gonna get serious remedies without
proof that it's toxic.

Speaker 6 (01:05:57):
Okay.

Speaker 5 (01:05:58):
Mold is one of the most common complaints that landlords
get and that we get here, but very seldom is
a truly toxic mold. Okay, that's a very dangerous substance.
I don't want people to think that I don't believe
in mold poisoning. I do, but it's very very rare,

(01:06:19):
And if you want to know the truth, and I'm
a little prejudiced here, I'm just going to tell you
straight up. Most people when they see mold, they attribute
all of their bad feelings to it, all of it,
and then they start even imagining more and they have
more of a psychosomatic illness than a real one.

Speaker 6 (01:06:36):
That's the God's honest truth, Okay.

Speaker 5 (01:06:38):
I want to make sure you're encountering real toxic mold.

Speaker 6 (01:06:42):
Okay, we got more coming right up.

Speaker 5 (01:06:44):
Three oh three seven one three talks seven one three
eight two five five. Go with a sure thing Denver's
best roofer Excel Roofing dot com.

Speaker 6 (01:06:52):
You don't pay a cent until you're content.

Speaker 5 (01:06:58):
Time for an insurance checkup, No obligation comparison call Compass Insurance.
Pay 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 Estateman dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi, Tom Martino, frankaran Inrealestateman dot com. Yes,

(01:07:25):
he will do an evaluation of your home free for
the asking. You just call him and say I want
to know what I can sell my house for.

Speaker 6 (01:07:32):
What we'll do because.

Speaker 5 (01:07:33):
We have a very weird real estate market right now
and this analysis is totally detailed and complete. Frank Duran,
the real Estateman dot com three oh three nine two
zero sixteen twenty two. Donna, what is your issue with
T Mobile?

Speaker 16 (01:07:50):
Oh I'm calling to let everybody else who might go.

Speaker 3 (01:07:55):
To T mobile here what they do?

Speaker 5 (01:07:56):
Oh?

Speaker 6 (01:07:57):
What did they do for your four year?

Speaker 2 (01:08:00):
Years ago?

Speaker 7 (01:08:00):
I went to take tembile the day after Thanksgiving and
they told me they were giving me an iPhone for
switching to them. It was a special that day, and
that it was a gift because I was leaving cricket. Stupidly,
I believe them, and I did not record the conversation.

(01:08:24):
That is not That's my fault, I learned. Then they
sold me an.

Speaker 16 (01:08:31):
Insurance policy and I paid twenty dollars a month for
hoh wait.

Speaker 6 (01:08:36):
Wait how much a month for this insurance?

Speaker 7 (01:08:39):
Twenty dollars?

Speaker 6 (01:08:41):
What the hell?

Speaker 5 (01:08:42):
That's a lot of money. I mean, I guess when
I had one. Is that for a lost phone or
a damaged phone? Yes, sir, twenty bucks a month.

Speaker 9 (01:08:51):
Mark.

Speaker 6 (01:08:51):
Doesn't that sound outrageous to you?

Speaker 4 (01:08:53):
I don't know. I mean, I've never bought insurance on
the phone, I guess, so.

Speaker 9 (01:08:57):
That totally sounds about right.

Speaker 12 (01:08:59):
When I bought my new phone, offered me, they offered
me it was going to be twenty seven or twenty
nine dollars a month.

Speaker 4 (01:09:04):
Does it cover theft?

Speaker 9 (01:09:06):
The guy said, it covers everything.

Speaker 12 (01:09:08):
I didn't buy it, of course, Yeah, holy smart, I
was dumb.

Speaker 4 (01:09:14):
Yeah, but you bought it, so I mean, what's the
big deal.

Speaker 16 (01:09:18):
Well, four years later, I was at the gym working out.

Speaker 2 (01:09:22):
I lost my phone.

Speaker 7 (01:09:24):
Oh T Noble told me that if I would come
into the store upon my phone being gone, they would
give me a new phone.

Speaker 16 (01:09:35):
I went.

Speaker 3 (01:09:35):
They would barely talk to me, but they gave.

Speaker 7 (01:09:37):
Me a website called my Moto. I got on the
website and I had to pay for a new phone.

Speaker 6 (01:09:48):
How much? How much.

Speaker 12 (01:09:51):
Dollars?

Speaker 6 (01:09:52):
What?

Speaker 5 (01:09:52):
Well? Wait, is that a substantial discount? You know it's
all going to be in the contract. Hold on and
we'll come back to you. Okay, I'm troubleshit or Martino
three oh three Martino twenty four to seven for help,
information and referrals, and you can call it any time
and we'll get you on the next show. Go with
a sure thing Denver's Best Roofer Excel roofing dot com.

Speaker 6 (01:10:16):
You don't pay a cent until you're content.

Speaker 5 (01:10:21):
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.

Speaker 14 (01:10:41):
Two ript news needs.

Speaker 7 (01:10:52):
You don't have.

Speaker 2 (01:10:55):
Come runousness as can shoot.

Speaker 4 (01:10:59):
Us gonna come, man, This is the Troubleshooter Show. No
Tom Martinez, my friends did the only show of It's guy,
and you're here to solve problems. Answer your question Jones,
take complaints, go after the bad guys. You've been ripped off.
You need some help. Maybe a bad landlord, maybe a
contractor showed up, said he was going to do something,

(01:11:19):
the job turned out to be awful, or he never
showed up in the first place. This, my friend, is
a show for you. Make sure you spread the word
three zero three Martino. That number works on and off
the air. Give that number out. You can even call
it on the weekend. Sometimes we pick up, but you
can always leave a message. We'll reach back out three
zero three Martino, and then of course you can email

(01:11:43):
us any questions. Help HLP at troubleshooter dot com. We
left off with Donna, she bought a T Mobile phone? Hey,
what kind of phone was it?

Speaker 6 (01:11:54):
Donna?

Speaker 4 (01:11:55):
Was it an iPhone? Or what was it? I? So,
you bought an iPhone four years ago and you've been
paying for insurance on it roughly twenty bucks a month
for the last four years, right, yes, huh? And you
finally lost it and you went to basically turn it
into insurance.

Speaker 6 (01:12:12):
And what happened?

Speaker 7 (01:12:14):
They charged me for a phone and it came in
the mail after I paid for.

Speaker 16 (01:12:20):
It, and then I found my iPhone?

Speaker 3 (01:12:24):
Oh, at the gym.

Speaker 7 (01:12:26):
But I called the mobile yeah, and.

Speaker 16 (01:12:31):
Told them what had happened, And I said, how i'mhappy?

Speaker 7 (01:12:38):
I was?

Speaker 4 (01:12:38):
Did you activate, Donna? Did you activate the other phone?
Are you trying to return the other phone? What are
you trying to achieve with tamils?

Speaker 3 (01:12:45):
No?

Speaker 4 (01:12:45):
No, No.

Speaker 7 (01:12:46):
I gave the new phone away to my friend, okay,
and he activated it on Consumer Cellular okay.

Speaker 16 (01:12:55):
So I wanted to unlock my phone and go with Consumer.

Speaker 4 (01:13:02):
Cell your and they won't unlock your phone at T Mobile?

Speaker 7 (01:13:06):
No, And every two days I would call it.

Speaker 4 (01:13:09):
Wait a second, if you bought it, you you had
it for four years? How is that possibly still locked?
I don't understand that. Do you still owe money on it?

Speaker 6 (01:13:19):
No?

Speaker 4 (01:13:20):
And why won't they unlock it?

Speaker 16 (01:13:22):
Because they're a disingenuous company?

Speaker 4 (01:13:24):
Yeah, but that that really doesn't matter. They still have
to unlock it. What reasoning are they giving you?

Speaker 7 (01:13:31):
They? I called every two days, they said they went
unlock it.

Speaker 16 (01:13:34):
Finally, after calling four.

Speaker 7 (01:13:36):
Times, I spoke to a girl named Heidi.

Speaker 10 (01:13:39):
Yeah, when I was coming back.

Speaker 4 (01:13:41):
From Yeah, but what what did Heidi say?

Speaker 7 (01:13:44):
She said, Donna, I'm going to tell you the truth.
They will never unlock it for you.

Speaker 4 (01:13:49):
But why, Donna?

Speaker 6 (01:13:50):
Why?

Speaker 4 (01:13:52):
And don't say because they're disingenuous? Why though? Let me
let me give you an idea. Are they saying because
we sent you this new phone?

Speaker 6 (01:14:01):
And first they never said that.

Speaker 7 (01:14:04):
Plus I paid for the new phone.

Speaker 4 (01:14:06):
I paid out of my pocket on my credit and
there was no problem unlocking that phone.

Speaker 2 (01:14:11):
Right, that's correct, So.

Speaker 4 (01:14:13):
They must think that you still owe money on this
phone we're talking.

Speaker 7 (01:14:18):
About for no sense?

Speaker 4 (01:14:19):
Okay, can you send me? Would you do me a favor?
Can you send me your last bill? Can you send
the last bill? Yeah?

Speaker 7 (01:14:27):
I'm sure I could look it.

Speaker 4 (01:14:28):
Off, get it online, send it to us. We have
an angel over there, and we'll help you get through it.
If it's simple, if it's as simple as getting this
phone unlocked, we'll be able to get it done for you.
But I need to have your last statement or your bill.

Speaker 7 (01:14:43):
Okay, I don't want it unlocked because i've and why
the hell are.

Speaker 4 (01:14:47):
You calling down? I just out of curiosity.

Speaker 16 (01:14:50):
I wanted to tell people what this company is doing.

Speaker 7 (01:14:54):
So there are people who are paying the bills, and
to give them thousands of dollars of bad publicity.

Speaker 2 (01:15:00):
That's why.

Speaker 4 (01:15:01):
Yeah, I don't like T Mobile either. In fact, I
actually sued him at one point many moons ago.

Speaker 3 (01:15:06):
So well, I told.

Speaker 4 (01:15:08):
Him I was calling you, but why don't you want
it on lock now?

Speaker 7 (01:15:13):
Because I went and bought another phone okay at Apple Okay.

Speaker 16 (01:15:18):
And I bought a new phone. And I actually talked.

Speaker 2 (01:15:24):
To T Mobile.

Speaker 7 (01:15:25):
I want to be fair about this, and they told me.

Speaker 16 (01:15:28):
They would give me twenty dollars.

Speaker 3 (01:15:30):
A bill for one year if I would stay with them.

Speaker 7 (01:15:33):
Yeah, And I told them I don't want to give
you any business because you are different, genuous.

Speaker 4 (01:15:39):
Yeah, I got you. Well, good for you. You're standing
up to them.

Speaker 7 (01:15:44):
I just and that's the only reason I'm calling is
let people know how t modibile Peth treats their customers
who pay their bills on time.

Speaker 3 (01:15:52):
Yeah, and are honest with them.

Speaker 4 (01:15:54):
A lot of them are tough like that, There's no
doubt about it. Hey, we do appreciate the call. In
the warning free that up. We're going to have one
or two lines open three zero three seven one three
eight two five five. I returned a piece of equipment
from them years ago, pre COVID, and basically they said
they never received it, even though I had the tracking number,
and they literally signed for it and they charged me

(01:16:17):
whatever it was for that piece of equipment, and I
ended up having to sue them, and of course I won.
But that's how that went. Hey, Jeff, what's going on
with you? Jeff?

Speaker 19 (01:16:28):
Hi, thank you for taking my call. I never never
thought I'd ever have to call you. Guys, I've listened.

Speaker 11 (01:16:33):
For so long.

Speaker 4 (01:16:34):
I'm glad you have.

Speaker 6 (01:16:34):
What's going on?

Speaker 19 (01:16:37):
My mother passed away last month and she was in
a nursing home for ten years or so, and my
checking account is what she always used if she needed something. Well,
I noticed that there was an a withdrawal for twenty
six dollars from the Hartford insurance, and I went back
over as long as I could, and it's been coming

(01:16:58):
out for twenty years or more.

Speaker 4 (01:17:00):
Whoa, whoa?

Speaker 6 (01:17:00):
Whoa?

Speaker 4 (01:17:00):
How many years more than twenty? Okay, keep going.

Speaker 19 (01:17:06):
So I don't have any information. I'm going to say
five years or so ago we cleaned out all of
her stuff, and I have no information about that. I
don't know what kind of insurance it is. I don't
know if it's a death insurance or accidental insurance.

Speaker 3 (01:17:20):
I have no idea.

Speaker 19 (01:17:21):
So I contacted the Hartford four or five different departments,
and every department says we never heard of her.

Speaker 4 (01:17:29):
And then literally on the debit card it says the Hartford,
the Hartford.

Speaker 19 (01:17:35):
But there's no other information like just as ah and
has a transaction nothing.

Speaker 6 (01:17:42):
Where did she?

Speaker 4 (01:17:43):
Where did she live?

Speaker 19 (01:17:46):
She lived in pu al Up, Washington.

Speaker 4 (01:17:49):
No, no, no, I'm saying she lived like in a
retirement home a facility. Where did she.

Speaker 19 (01:17:54):
Live in a facility? In a small nursing home facility?

Speaker 4 (01:17:59):
She like rent out the room? It could it have
been renders insurance?

Speaker 19 (01:18:04):
No this insurance. If I'm trying to wreck my brain
and I think I remember talking to her about it,
it was an accidental death policy, and I said, that's
dumb for you to have that because she doesn't drive
and doesn't do anything. But she was adamant about keeping
this insurance. But I don't remember if that's correct.

Speaker 4 (01:18:21):
And she didn't drive, so there's no way it would
have been auto insurance.

Speaker 16 (01:18:25):
No.

Speaker 4 (01:18:26):
I wonder if it could have been one of those
life insurance that you see advertised, like but for twenty years.
And when you call up the Hartford, now, I would
guess they have a ton of different divisions. Let me
do two things here. One, I want to bring up
Brian Burns real quick. Brian, do you guys deal with
the Hartford?

Speaker 6 (01:18:43):
We do?

Speaker 20 (01:18:44):
Yep, I'm not god you know, I'm AIRP certified.

Speaker 4 (01:18:48):
So if twenty six bucks is coming out every month
for twenty years and she lives in a nursing home,
so I assume it's not going to be any kind
of uh or I'm sorry, any kind of renters policy.
I would assume it's one of those, you know, those
really low life insurance policies that cover maybe burial five

(01:19:11):
to twenty thousand. What does your gut say on it?

Speaker 20 (01:19:15):
My first thought was exactly like you was and I
asked about possibly renters insurance just because it's such a.

Speaker 4 (01:19:20):
Little Jeff, you're sure she didn't need renners insurance even
twenty years ago, as far back as you tracked this.
Did she have an apartment at that point where maybe
they just kept renewing it when.

Speaker 19 (01:19:33):
When she moved out of her apartment into the nursing home,
I canceled her renter's insurance because I was my own.

Speaker 6 (01:19:40):
Was it through the heart?

Speaker 10 (01:19:42):
No?

Speaker 19 (01:19:42):
No, no, it was with the USAA.

Speaker 15 (01:19:46):
And now that she's passed away, Jeff, are those payments
still coming out?

Speaker 2 (01:19:50):
Or were you able?

Speaker 15 (01:19:51):
If the Hartford's never heard of her, how do you
get those payments stopped at their acch question?

Speaker 19 (01:19:56):
They did try. They did try, and I closed the
account and I had to start with the Chase, the
Chase bank over it because they said you can't close
it because there's a outstanding dead and they finally took
it off and and okay, close it.

Speaker 4 (01:20:10):
Now, Bryan, How would you track this down if it's
coming out of his checking account every single month? And
you're not, Jeff, you're being serious. Twenty years at least
twenty years, at least years, What the hell would this mail.
What would this be? I mean, she didn't drive a motorcycle.

Speaker 20 (01:20:30):
Assume I think it's all an accidental death and dismemberment.

Speaker 4 (01:20:35):
So how do we track it down?

Speaker 1 (01:20:37):
And so I have a.

Speaker 20 (01:20:38):
Phone number and I'm sorry it sounds like you've called
four different places based off of your your email, so
you you've tried this, But I have a number for
a life and accidental death dismemberment that you know, we
may be able to get something where with her full
legal name or social and data birth.

Speaker 19 (01:20:57):
And then I gave him all of the A Hey.

Speaker 4 (01:20:59):
Jeff, he's going to try to get it for you though,
so he needs the information. I realize you've tried and
got nowhere. But Brian sells a lot of their products.
He's going to have more pull than you.

Speaker 19 (01:21:11):
Okay, here's here's another issue that has to do with
the Harvard They sold their life insurance branch off in
twenty eighteen, so they're kind of just shaking their hands.
They're wiping their hands that we don't know.

Speaker 4 (01:21:24):
Okay, So you do you want Brian to try to
help you or not?

Speaker 19 (01:21:26):
I mean, of course, sir, Okay, cool, it's not about them.
I don't think there's any money due.

Speaker 4 (01:21:31):
I just well, what do you think it would be?
Why do you think she'd be paying twenty six bucks
a month for twenty years and in the same breath
say there's no money due.

Speaker 6 (01:21:40):
I'm just curious.

Speaker 19 (01:21:41):
Well, it's possible. My only one I recall is accidental
death in just membership, which wouldn't which wouldn't apply.

Speaker 4 (01:21:50):
It wouldn't it wouldn't pay out here. Yeah, that's very true, Brian.
I mean, how did she pass?

Speaker 19 (01:21:55):
She was a sucker? For no, she passed naturally, Okay,
but she was a sucker. Are those mailers that came
in the mail that said, you know tenth thousand?

Speaker 6 (01:22:03):
This brings up.

Speaker 4 (01:22:04):
Such a bigger question. Hold on a second, both of
you guys, if you could hold Brian, I appreciate it.
But right after this, I want to bring up Dan mackenzie.
He's an attorney. In fact, he's our go to guy
on anything of state planning, asset protection. But this brings
up a much bigger issue. If there is a policy
out there, how do you find out? I mean, this guy,

(01:22:27):
the only reason he knows anything is it's taken out
every month out of his checking account. But how about
if it was taken out every month from his mom's
checking account, and no one knew where it is. I mean,
I don't even understand. Everybody hold tight.

Speaker 5 (01:22:47):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 6 (01:22:51):
You don't pay a cent until you're content.

Speaker 5 (01:22:57):
Time for an insurance check up free, No obligation could
be Harrison call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three oh three,
seven to seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two.

Speaker 4 (01:23:21):
All right, three o three seven one three eight two
five five three oh three Martino Real Quick and then Brian,
Please hang on a second, Dan mackenzie, I've talked about
this so often, and here's a real life call on it.
This guy knows his mother was paying for some kind
of insurance. We don't know if it was some kind
of death benefit that uh, basically he is owed at

(01:23:42):
this point because it was his mom. But what do
you do in a case like this? How would you
track it down. The only thing we know is for
the last twenty years, twenty six dollars a month has
been pulled from the bank account uh from the Hartford.
The Hartford won't give him any information. They claim they
don't know anything. What would you do if this was

(01:24:04):
one of your clients.

Speaker 7 (01:24:06):
Well, I mean, there are people that specialize in finding assets.

Speaker 21 (01:24:09):
So that's a little bit extreme for this considering that
he knows what the company is. Usually that is how
you do it. You look at the bank accounts and
you see where the money's coming out of, or the
credit card statements or anywhere else. It is a little
surprising that that didn't really yield results for him. Unfortunately,
with life insurance, there's not like a central repository where

(01:24:30):
they keep track of all life insurance policies. There is
some investigative.

Speaker 4 (01:24:34):
Work that needs because I wonder there's probably no numbers
out there because like you said, there's nowhere these these
policies are stashed. But I wonder how many millions, if
not hundreds of millions or billions over the last fifty
years where people have passed and there's never been a
payout because no one.

Speaker 6 (01:24:52):
Knows the policy even existed.

Speaker 4 (01:24:54):
Think of all the policies out there, like employers offer
someone that works for a big company like Walmart, they
check a box and they've been pulling ten dollars out
of their paycheck forever. You forget about it, you get
into a car accident and you're dead.

Speaker 6 (01:25:08):
No one knows it exists.

Speaker 4 (01:25:09):
I mean, I mean, Dan, I assume it happens more
than what we think.

Speaker 21 (01:25:15):
I mean, I think last time, as the two we
discussed that there was a I think there was a
sixty minute story several years ago that you probably google
about that exact issue. Because there is just a lot
of unclaimed funds out there that are thought to be
for dead people.

Speaker 4 (01:25:29):
Yeah, and you would think like, I mean, let's just
take an age. My god, one hundred and five. I
think that's a safe age. So if somebody that's one
hundred and five years old in your system, that that
you know has life insurance with you, and no one
has collected it, no one's sent a death certificate, I mean,
I would think the insurance company should have to reach

(01:25:51):
out at some point, almost like a fiduciary, and say, hey,
are you still alive? Because we've got eight million dollars
here and you're one hundred and five years old or
one hundred and ten, So there really is nothing like that.

Speaker 21 (01:26:07):
I mean, I think there are rules and plays that
don't know what the time limit is. But you know,
that is a source. We always run checks with the
Colorado Unclaimed Property Funds when we're dealing with the states,
just to see what's out there. And life insurance, abandoned
life insurance is definitely in there.

Speaker 4 (01:26:23):
So have you have you personally found people's stuff in
the Great Colorado Payback?

Speaker 21 (01:26:30):
I mean, I think it's unusual not to find anything.
I mean, there's usually something. A lot of times it
is pretty minimal.

Speaker 17 (01:26:36):
Ye.

Speaker 21 (01:26:37):
Yeah, everybody should check that because yeah, it does come up.

Speaker 4 (01:26:42):
Dead or alive. Yeah, well, Dan, I appreciate it. I
just kind of wanted to vent more than anything. This
poor guy, Jeff calls up. If you think about how
much money that is over a twenty year period. But
here's the good news, Jeff, for you. We're going to
get Brian Burns involved. Brian, what are the chances you're
going to figure out what that payment was for with

(01:27:02):
the Hartford Pretty good.

Speaker 6 (01:27:03):
I assume.

Speaker 20 (01:27:04):
So I do have an idea for him.

Speaker 4 (01:27:06):
Yes, here's what I would do.

Speaker 1 (01:27:07):
And if you if he.

Speaker 20 (01:27:08):
Has not done this yet, yes, if you're on, did
you already call your bank because you said it's your
account where it's coming out of?

Speaker 1 (01:27:17):
Correct?

Speaker 19 (01:27:18):
Yes, I made a checking account specific here for her,
my account for her twenty years or so ago.

Speaker 1 (01:27:24):
Yeah, okay, so here's what I.

Speaker 20 (01:27:26):
Would I would tell you to do to be end
with call your bank and ask them for the originator
ID on that ach. So I know it's harder, but
that's just a generic thing it could be, you know,
because you're right, it did sell. There's two different companies
they sold to. They sold a Crudential and then another
one called Talcot. And we need to figure out where

(01:27:47):
this is coming from. The originator ID. If you get
that number, we can do a Google search and figure
out where is actually coming from. Who the actual company
that's processing the payment.

Speaker 4 (01:27:58):
Do you log into that bank, count Jeff and do that?

Speaker 2 (01:28:02):
He closed the account.

Speaker 19 (01:28:04):
I called the Chase and they said on the information
they get is who pulled it and a transaction number.
That's all that they have.

Speaker 20 (01:28:12):
That's just not true. They get an originator ID, they
get that.

Speaker 4 (01:28:17):
So whoever you talked to did not give you accurate
They didn't know what they didn't know what they were
talking about. That so all Jeff, so who I would
probably even walk into a branch. Have you done that, Jeff,
I have not walked into them.

Speaker 8 (01:28:33):
No.

Speaker 4 (01:28:34):
I wonder if he walked in and asked that and
just pose the question to me. This is a good mystery.
And what I mean by that is if you walk
in and can prove that was your account, which I'm
sure you can, and tell them the circumstance, I bet
you they're going to come up with a good fix
to get what Brian needs in order to get to
that next stage.

Speaker 6 (01:28:54):
But He's right.

Speaker 4 (01:28:55):
It could say and I'll give you an idea Facebook.
You know, if you do a Facebook marketplace ad in Facebook,
ach his money out of the account. This has literally
happened to me. It's one part of Facebook. It can
also say Facebook and I'm paying to boost the post

(01:29:16):
that comes from a different thing of Facebook, and it
looks a little different. So we've got to figure out
which one it is, and then Brian can reach out
to whatever company and get to the bottom bottom of it.
For you.

Speaker 1 (01:29:30):
Okay, I'll try it.

Speaker 19 (01:29:31):
I'll try Chase again, they swear I talk to the
manager and they swear that there's no information other.

Speaker 4 (01:29:38):
Than well, okay, Brian, let's just say let's say the
people at Chase they simply can't figure out what he's asking.

Speaker 20 (01:29:44):
What would you do then, well, I mean we could
call we could just randomly call Prudential in Telcot since
he's already tried Harford. I mean they sold all their
individual products. They still do some accidental death and dismemberment,
but it's more of a.

Speaker 4 (01:29:59):
Group if they sold in seventeen though, for the life
of me, why would it say the Hartford Now.

Speaker 20 (01:30:05):
It's still I mean, you see that where it continues
to say the name of the company, just so it
doesn't disrupt anything where people are like, what is this?

Speaker 6 (01:30:13):
How kind? I got you?

Speaker 20 (01:30:14):
Is this coming out?

Speaker 6 (01:30:15):
I got you?

Speaker 1 (01:30:15):
Continues on, but.

Speaker 20 (01:30:17):
If you use the words original, originator, ID they have
to have this. They have to know where the money's
coming from, and that is what is assigned.

Speaker 1 (01:30:27):
To that bank.

Speaker 4 (01:30:29):
Yeah, they've got to know at least here's basically what
Brian's saying. They got to know who's taking the money
and what account it's going into, and then who owns
that account. What the vision of the Hartford. The Hartford
probably has a million checking accounts, but yours is only
going into one. Which one is that? And what division
is it or what company is it? They've got to know,

(01:30:51):
they know that money is coming out of your checking
and going into another checking account. Just figure out what
bank it is.

Speaker 19 (01:30:59):
In John movie, so like a John Clancy movie for
twenty years ago, you.

Speaker 4 (01:31:03):
Know, I'm hoping, no, no, I'm truly hoping that you
have some benefit there. Maybe it's one of these policies
you see late night. You know, they don't run any backgrounds,
they don't do anything. And for twenty bucks a month,
you know you have a ten or twenty thousand dollars.
No questions, ask death benefit for burial or something. But Jeff,

(01:31:26):
get all your information to Brian. Brian, I would like
you to do a little digging if you can. Well,
he's trying to figure that out.

Speaker 6 (01:31:34):
Would you do that?

Speaker 1 (01:31:35):
Sure? Yep?

Speaker 20 (01:31:36):
I mean I don't have anything yet, I don't have names.

Speaker 6 (01:31:39):
That's what I mean.

Speaker 17 (01:31:39):
He gets sober and there we can get that.

Speaker 9 (01:31:41):
Ye.

Speaker 4 (01:31:41):
So let me let me put you on by the way,
quote Compass dot com. That's Brian's website. If you're looking
for insurance, I don't care if it's homeowner's, auto workman's
comp for your company, garage keepers for an automotive shop,
general liability, motorcycle trailer. I mean, the list goes on
and on. Call these guys up there, the best out there.
They're gonna find the best insurance for you. And if

(01:32:03):
you ever have a claim with the company, say it
is the Hardford, They're going to go to work and
help you through the claim. You know they're gonna be
your advocate. That's why there are experts. Compass's phone number
three oh three nine nine six nine thousand or quote
Compass dot com. Jeff, make sure you give all that
information on your mother and we'll get it over to Brian.

(01:32:25):
Now Marissa has an issue with an apartment complex. And
then we have another one. I want to call back.
She had a question on a mortgage. I really want
to talk to you. We have mortgage experts that are
literally the best in the business, So callback right now,
I'll go right to you. Then Marissa, we're going to
figure that out. One line open three zero three seven

(01:32:48):
one three talk.

Speaker 5 (01:32:54):
Go with a sure thing Denver's Best Roofer Excel roofing
dot com. You don't pay a cent until your content
time for an insurance check up free no obligation. Comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one help. You'll think you're his only

(01:33:15):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

Speaker 4 (01:33:26):
All right three O three seven one three A two
five five. By the way, K and H Home Solutions,
these guys have been around since the fifties. You need
something done on your house, new windows, for example, or
maybe you need siding. They also have a painting division.

Speaker 10 (01:33:42):
Uh.

Speaker 4 (01:33:42):
They started last year. These guys can come out and
give you a bit on payton the exterior of your house.
They're just great people. Go to khwindows dot com.

Speaker 6 (01:33:51):
Great people. You're gonna love them.

Speaker 4 (01:33:53):
The heritage says it all khwindows dot com. Now let's
go to Marissa.

Speaker 18 (01:34:00):
Uh.

Speaker 4 (01:34:00):
By the way, we do have a couple open lines
three oh three seven one three eight two five five
three oh three Martino, Marissa, what's going on with you.

Speaker 6 (01:34:10):
Looks like you're plucking K and H Holmes looking.

Speaker 4 (01:34:12):
Hard the window. Marissa, you are up? I got my
damn groc talking to me. Did you hear that My
phone's talking to me about KH windows? Marissa? Are you
there or not? You're just gonna have to get to
that pre Oh well, okay, I don't hear Marissa.

Speaker 6 (01:34:33):
Hey, that was me.

Speaker 4 (01:34:38):
Okay, I'm putting her on hold. Three oh three seven
one three A two five five, Doc. You said you
have an update. What was the call about and what's
the update?

Speaker 6 (01:34:46):
Okay?

Speaker 11 (01:34:46):
Remember Thomas had a problem with his storage unit.

Speaker 4 (01:34:49):
Oh yeah, Thomas basically, well, he claims he didn't live
in the storage unit. He slept there sometimes, yes, and
he got evicted and he wants to get her tonality.
He said three hours would be great.

Speaker 11 (01:35:02):
Right, So I got a number for the general It's
called Green Box Swage and has multiple locations, so when
you call up, they give you a phone tree. And
I got in touch with somebody who apparently is handling
all the calls. Got it, and he said he's familiar
with Thomas's case and what needs there has to be
a manager at the play at that site. When Thomas

(01:35:25):
goes to collect his things, and he said he will
get in touch with the manager and have the manager
called Thomas. So I got back to Thomas.

Speaker 4 (01:35:33):
So they're going to allow him to go over there. Well,
but they want to be there, right, So I told
Thomas that's a great job, Okay.

Speaker 11 (01:35:40):
I told Thomas that he should call me if the
manager shows up today, or if the manager does not
show up or no one gets in touch with him
by the end of the day.

Speaker 4 (01:35:50):
Yeah, let's get I mean, this guy needs to get
his stuff out there. I mean, personally, I think, Okay,
when you're saying, when I say living in the storage unit,
is he living in it an apartment that you say
at twenty four to seven, I doubt it. I think
the management would see him on the cameras all the time.
But I mean, if you're sleeping there occasionally three or

(01:36:10):
four nights you quote fall asleep because you've been tinkering
or whatever you're doing, and you wake up there the
next day, well that's sleeping there.

Speaker 6 (01:36:19):
Yeah.

Speaker 11 (01:36:19):
Well he's still entitled stuff, well, I would hope, so,
so we'll try and keep working on that.

Speaker 4 (01:36:24):
All right, what updates do you have?

Speaker 12 (01:36:26):
Dmitri Mark an infuriating case with AutoNation.

Speaker 9 (01:36:30):
Of course, that should come as no surprise.

Speaker 12 (01:36:32):
You may recalled it last week, just a few days ago,
we got a call from Amy who was following up
on her car which she purchased from AutoNation.

Speaker 4 (01:36:40):
And basically it turned out to be a full the
insurance company it was a total loss.

Speaker 12 (01:36:47):
They basically it was the car that was stolen long
before Amy purchased it. Yep, cartole it stolen from a
previous owner, and State Farm had deemed it a total
loss and paid out on it.

Speaker 4 (01:36:58):
Correct. And when they do that, what they're supposed to
do before they auction it or before they sell it
to a dealership or sell it to anybody, they're supposed
to have the title redone to show the title of
the total loss right.

Speaker 12 (01:37:12):
And so that's that's the research you did, and I
agree with it. I mean you definitely, I think you
definitely hit the nail on the head. So the Amy's problem, however,
is her insurance company will fall. State well not only
won't cover they canceled her. Yeah, and so now Amy's
credit U.

Speaker 4 (01:37:31):
Is putting forced insurance.

Speaker 12 (01:37:33):
Well, no, they didn't give her that option. They keep
telling her that she needs to ensure it or she's
in violation of the contract of their financing contracts. So
they could theoretically foreclosers and.

Speaker 4 (01:37:43):
Well, Ryan Burns, I think she could get covered. But
the bottom line is she wants out of the deal.
And from everything I'm reading in the state of Colorado,
even if Auto Nation didn't technically know, and I'm assuming
they didn't do this on purpose, I agree, but if
they didn't know, it doesn't matter. They still sold her
a car that he can't get insured. I mean, at

(01:38:05):
least not easily. And on top of that, when she
goes to sell it now that it's on the car fact,
they sold her a car that's not worth what she
paid for it.

Speaker 12 (01:38:15):
Well, and even if it weren't in the car fact,
she has to disclose this right to a potential buyer. Hey,
you may not be able to ensure this. I mean,
this is a known defect in the title at this point.
So Amy just emailed me today and she said that
she said all these conversations with AutoNation, and she claims
that in a previous conversation from a few weeks ago,

(01:38:35):
the general manager of the Autonations dealer that she's working
with or you bought the car from. Said, hey, if
you can prove that this car was deemed a total loss,
will rescind it.

Speaker 4 (01:38:45):
And she got a letter from the insurance company State
from the State Farms saying we did this as a
total loss on whatever date. I read the letter and
what did they say afterwards?

Speaker 12 (01:38:56):
According to Amy, here's the response from the Autoation's general manager.

Speaker 9 (01:39:01):
There's a two part response.

Speaker 4 (01:39:03):
In both parts are you reading the actual response or
what she is deeming?

Speaker 12 (01:39:06):
Which she is deeming the result? But it's both parts
are infuriating. She said the documentation she provided, which is
a letter from State Farm, is insufficient because Autoation claims
she could have just cut and pasted onto what else.
What else is she supposed to do better?

Speaker 4 (01:39:26):
Get something better, maybe something signed from somebody local with
State Farm.

Speaker 12 (01:39:33):
Now say, if you have further questions, contact this person
at this phone number. You did she No, No, the
AutoNation could have done right, so they could have verified
the validity of this letter.

Speaker 4 (01:39:45):
I think they know by now.

Speaker 12 (01:39:47):
Well here's the second part. According to Amy, Automation claims
that in Colorado, vehicles that have been deemed the total
loss due to theft are not actually considered a total
loss by the state.

Speaker 6 (01:39:58):
I don't care what I don't care what they say.

Speaker 4 (01:40:01):
And now, last time we talked to her, we told
her in every certain way to go to the dealer board.

Speaker 6 (01:40:08):
So she done it.

Speaker 4 (01:40:09):
She needs to go to the dealerboard. They don't take
this stuff lightly. You can't sell a total lost car
without a disclosure. You simply can't do it in the
state of Colorado.

Speaker 9 (01:40:19):
And if you do it, logically follows that you should
have to resend the deal.

Speaker 4 (01:40:24):
And so well, they're supposed to. They're supposed to back
out of it.

Speaker 9 (01:40:27):
Yeah, So in my view, what AutoNation should be doing.

Speaker 4 (01:40:31):
They should have to, they should want to do this. Anyhow,
I guess that really irritates me about AutoNation. We're not
talking about a mond Pod that's living to paycheck to paycheck,
selling a few used cars from a lot on Culfax.
We're talking about AutoNation. They sold a car that was
a total loss. She can't get it insured. That's insane,

(01:40:53):
It's really insane. They just aren't stepping in and doing
something right.

Speaker 12 (01:40:57):
Well, furthermore, it significantly decreases the sale value of this
car because now there's a defect shop.

Speaker 1 (01:41:02):
You know, Dees.

Speaker 4 (01:41:03):
This Autoation's the same company that we had a big
beef with. I'm not even going to get into it.
I digress three oh three seven one three a two
five five. Did we get Marissa up? I think we
got Marissa and Sureley. You guys, hold on, I'm coming
right to you.

Speaker 5 (01:41:24):
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Speaker 6 (01:41:28):
You don't pay a cent until you're content.

Speaker 5 (01:41:33):
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 (01:41:57):
All right three O three seventy one three A two
five five three zero three Martino, Marissa, I apologize, I
have to go to another break. I had some problems,
but give me your question really quick so I can
think about it over the break.

Speaker 22 (01:42:14):
I'm just wondering, So Mike, I had a main line
break into my apartment, got it and over. It happened
yesterday morning. I try to reach out to my maintenance
emergency line. I found out that they have one, so
I had to call nine one one to shut out
the water. Wow, and they pretty much threw me out
last They tell me they just wanted to apart me.
They took my kids by their hands and with no

(01:42:35):
socks and shoes on and put them out.

Speaker 4 (01:42:36):
Oh my god, hold on, this sounds absolutely crazy. They
took her kids through them out the side because there
was a main line break. There's got to be a
lot more to this story. Hold on, we got another
hour coming up. Three zero three Martino three zho three
Martino one line open. Then, surely, I guarantee I'll be
able to answer your question on the Great Kaback, Colorado.

Speaker 5 (01:43:04):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com.

Speaker 6 (01:43:08):
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Speaker 5 (01:43:11):
Please 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 one help.

Speaker 6 (01:43:24):
You'll think you're his only customer.

Speaker 5 (01:43:26):
When you choose Frank durand the real estate man dot
Com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 19 (01:43:34):
Yea ripped.

Speaker 4 (01:43:41):
News need advissel.

Speaker 7 (01:43:44):
You don't have.

Speaker 5 (01:43:47):
Come.

Speaker 6 (01:43:47):
Run as fast as can. Shooter's gonna help come, man,
This is.

Speaker 4 (01:43:55):
The Troubleshooter Show. No, Tom Martinez, all right three o
three seven one three eight two five five. We had
a couple of people drop off there. We did have
a couple of phone issues. We think we have them
back up and running. I really did want to talk
to that one lady. She said her kids got taken out.
I mean, there was all kinds of things going on there.

(01:44:15):
I really want to help her out, so hopefully we
hear back from her. We started the story I had
to go to break but I'm going to jump right
to the phones now. We do have two lines open
three zero three seven one three eight two five five
three zero three Martino, surely, what is going on with you?

Speaker 18 (01:44:32):
Well, let me tell you. I went ahead and my
daughter was she she's on a computer quite often, and
so she found where my mom had passed away. Uh,
it was in seventy four I think it was, and
her insurance policy went to the state. Oh wow, been

(01:44:53):
sitting in the state since then.

Speaker 6 (01:44:55):
How much is it?

Speaker 18 (01:44:57):
It's not worth a lot. It's only like four hundred
fifty dollars. She bought it when she was a baby,
got it, you know, and she was born in twelve
I think nineteen twelve. Wow, and she when she passed away.
I guess the insurance company sent it to the state,
but the state never looked for it.

Speaker 6 (01:45:18):
Yeah.

Speaker 18 (01:45:18):
And like I said, it was only four hundred fifty
or four hundred and eighty bucks' eighty six, I'm eighty
six years old.

Speaker 4 (01:45:25):
You should be able to go to Colorado dot find
your Claimed Property dot com. I'm pretty sure I got
that right.

Speaker 2 (01:45:34):
Well, she did, Mark, there's a problem with it.

Speaker 6 (01:45:36):
I think, Oh, what happened?

Speaker 18 (01:45:38):
I have no idea because I went there. I'd given
my my birth certificate, my mom's and my dad's married certificate.

Speaker 4 (01:45:48):
So your daughter helped you. Your daughter helped you upload
all the information, right, and.

Speaker 18 (01:45:53):
We put it in there. Yeah, and they said we'll
get back to you.

Speaker 6 (01:45:58):
How long has it been.

Speaker 18 (01:46:00):
Well, that's where it's at. This happened four years ago
when I put it in five times since then, and
I get the same thing back. So we'll get back
to you, and they never get back to.

Speaker 4 (01:46:11):
Well, hold on a second, though, you should be able
to go look at the status. Has your daughter done
that to see where it's at?

Speaker 18 (01:46:18):
Oh no, she hasn't I have?

Speaker 2 (01:46:21):
And what was the status say?

Speaker 6 (01:46:22):
Yeah?

Speaker 4 (01:46:22):
What does the status say?

Speaker 18 (01:46:25):
It asked for And the last one that I put
in said that I had to get something. Yeah, that
proved I went to grade school here, okay.

Speaker 2 (01:46:35):
Like a notarized document or something.

Speaker 18 (01:46:38):
Yeah, but the Great two I went to its never
it doesn't even exist anymore.

Speaker 4 (01:46:43):
Well, I can't believe they're giving her this much trouble.

Speaker 18 (01:46:45):
Over four hundred I know, and.

Speaker 2 (01:46:49):
We had I just don't with the Great I know.

Speaker 4 (01:46:51):
How long did it take us to get all our money?

Speaker 2 (01:46:53):
Well, it didn't take.

Speaker 15 (01:46:54):
Long, but they wanted a lot of notarized documentation because
it was stuff related to an old address of ours,
So they wanted notarized documentation of.

Speaker 2 (01:47:05):
Who we were.

Speaker 15 (01:47:06):
They wanted old bills to prove we were at that address,
all this stuff.

Speaker 2 (01:47:12):
But once I got all of that in there, we
got to check within two or three weeks.

Speaker 4 (01:47:18):
So what exactly is it asking for right now?

Speaker 18 (01:47:21):
Well, all I got was that I needed to bring
or get something from grade school or some stuff I
don't even remember what.

Speaker 4 (01:47:32):
No, but that doesn't that doesn't make sense. Can you
log in and tell us? Can you log in and
tell us exactly what it says? Though?

Speaker 18 (01:47:42):
Well, I can't because I don't have a computer right now.

Speaker 7 (01:47:45):
Okay, I can.

Speaker 18 (01:47:46):
Talk to my daughter and stuff and have her do it.

Speaker 4 (01:47:49):
Yeah, we should be able to help you get through this.
In fact, Suzanne, why don't you help her on this?

Speaker 2 (01:47:53):
I'm happy to help with us. Do you have email?
By chance?

Speaker 6 (01:47:57):
She doesn't have a computer.

Speaker 18 (01:47:58):
I've got an email. It's just on a tablet.

Speaker 4 (01:48:01):
It is all perfect.

Speaker 2 (01:48:03):
Okay, So Kelly's going to give you my email. You're
gonna email me.

Speaker 15 (01:48:07):
I'll have some questions for you, and we'll get going
back and forth on a pow wow.

Speaker 2 (01:48:11):
So we can help you out.

Speaker 18 (01:48:13):
Okay, thank you, so very right.

Speaker 4 (01:48:14):
Hold on, hold on, we'll figure it out. In fact,
if we've got to reach out to the state, you know,
we know people there too. But this should be a
no brainer. If it was like four hundred thousand, I
could start understanding this. But it's been sitting there unclaimed
for twenty thirty years. It's pretty evident an eighty six
year old woman is now putting together some ruse to
get four hundred dollars. You would think she'd have a

(01:48:35):
bigger target, but we'll figure it out, Suzanne. Make sure
we get all of her information, including her phone number. Kelly,
did you have another update.

Speaker 6 (01:48:44):
D Mark?

Speaker 12 (01:48:45):
I do you know I spoke with a with our
caller named Maria who called on September thirtieth. Yeah, and
she was calling on behalf of her elderly and somewhat
disabled friend who's been using RTD's access to Ride service.

Speaker 9 (01:48:58):
Are you familiar with that?

Speaker 1 (01:48:59):
Yeah?

Speaker 4 (01:49:00):
I think if you meet certain criteria as far as income,
you can basically get on the list and if you
need a ride, they send someone out to pick you
up and bring you wherever, and vice versa.

Speaker 9 (01:49:11):
Yeah. So it used to be a service that was
provided access but accessor ride.

Speaker 12 (01:49:15):
What did I say? I said, I don't know accessor rider.
I have written down accessor ride. But anyway, they used
to come. You know, in a few years ago, they
would come exclusively in those little short vans like painted
like an arch.

Speaker 4 (01:49:28):
Used to take to school.

Speaker 9 (01:49:30):
Yeah, just mine was even shorter.

Speaker 12 (01:49:32):
Okay, So what they've done over the past year or
so is they began to subcontracting those rides out.

Speaker 9 (01:49:39):
To lift an Uber.

Speaker 12 (01:49:40):
Oh makes sense, totally makes sense. But here's the problem
that Maria ran into. So these rides used to be free,
and when Maria's friend orders it through her phone app,
it says this ride will be free. But what's been
happening is despite the fact that the said that the
system says the RTD will be free, her bank account

(01:50:02):
was getting zapped for a whole bunch of extra fees.
So sometimes like what well, sometimes they would show up
as like a hazardous conditions fee or similar things that
apparently allow the lift and uber drivers so to add
search charge.

Speaker 4 (01:50:18):
The one thing I will tell you, and this is
interesting you're saying this. We have been in a lift
before and all of a sudden, let's say the whole
ride was twenty bucks, you give your three dollars tip,
whatever your tip is, then I'll see on my bank
account it was like fifty three dollars. So I'm like,

(01:50:38):
what tell A couple times over the years, we're talking
hundreds of rides, if not a thousand. They can actually
hit a button on there and tack on a cleaning fee,
like if you spilled something. Even if you did it,
which in the case of us, we didn't. They just
apparently do it occasionally and they see what they can
get away with. Wow, now I bitched to lift through

(01:51:00):
the app and they reversed everything. But I mean, I
didn't realize until I got ding like that, all these
extra fees. So it sounds to me is if they're
doing the same thing.

Speaker 12 (01:51:10):
That's exactly what it sounds like. I didn't know they
could do that without your knowledge or consent.

Speaker 4 (01:51:15):
She should be able to fight that directly. See, I
don't know how Assessa ride works. When she orders the ride,
does she literally use uber or Lyft? No, she accesses
it through the RTD's app. See, I don't know really
service and RTD dispatches. Has she called up RTD?

Speaker 6 (01:51:32):
Yeah?

Speaker 9 (01:51:32):
So what are they say? Before she called us?

Speaker 12 (01:51:34):
She contacted them a whole bunch of times and just
no resolution in sight. People say things like we don't
know what's going on, or it's not really happening, or
it's not supposed to sit on her credit card, it's
getting zapped it's been getting zapped right out of her
bank account.

Speaker 4 (01:51:49):
So it's an ah yeah, it's an ah yeah.

Speaker 9 (01:51:51):
It's a debit card. I believe.

Speaker 4 (01:51:53):
Well, even through a debit card, there is some securities there.
Did she try to bitch to her bank? I'm overturning.
Don't know about that part, but she probably wouldn't be
able to use the service.

Speaker 9 (01:52:04):
Yeah, I think she has to. There's a fine balance
that she has to be.

Speaker 12 (01:52:07):
And how much are we talking hundreds of dollars over
the past three months?

Speaker 4 (01:52:12):
By any chance? Does she bring a pet? No, so
there's nothing like that. There's not a pet fee.

Speaker 9 (01:52:18):
No, she's going to doctor's appointments.

Speaker 4 (01:52:19):
I like, give me an idea of what one of
the fees would be.

Speaker 12 (01:52:23):
Well, the ones she mentioned is she's like hazardous materials,
cleaning or hazardous conditions?

Speaker 4 (01:52:27):
Does she throw up? I mean, how do you know
though a hazardous? To me, that would mean what I
mean hazardous? Okay, to have you met her seriously? Have
you met her mark?

Speaker 12 (01:52:40):
If she was prone to barfing during these rides, I
think she would have mentioned that.

Speaker 4 (01:52:45):
I'm not even going I'm not even going that far.
I'm saying maybe a diaper something along those lines.

Speaker 9 (01:52:50):
Well I didn't probe that deeply.

Speaker 4 (01:52:52):
Well I know, but I'm saying that's what I need
to try to figure out. I mean, that's a very
strange fee. A hazardous material fee for a lift ride.
That sounds crazy.

Speaker 12 (01:53:01):
It could have been hazardous conditions. She's kind of an
elderly lady.

Speaker 15 (01:53:04):
Is she an oxygen or anything where she's carrying a
big tank?

Speaker 2 (01:53:07):
Thank you for that, savvy.

Speaker 9 (01:53:09):
I don't know, Buck, This has been resolved.

Speaker 4 (01:53:12):
So oh yeah, that's why we started this. Hold on, wait,
hold on, We're gonna take breaks.

Speaker 9 (01:53:21):
That's where you Okay.

Speaker 6 (01:53:24):
Here's what we're gonna do.

Speaker 4 (01:53:26):
We're gonna come back right after this break and find
out what happened. I'm hoping she got her money back,
but even more than that, I'm hoping to figure out
what the fees were so I can at least understand it.
But watch Dimitri's gonna come back and he's going to
be like, oh, they gave her nothing.

Speaker 5 (01:53:46):
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 oh three,
seven to seven to one help. You'll think you're his

(01:54:07):
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 (01:54:17):
Allright, three oh three seven one three eight two five
five three oh three, Martino, you've been ripped off taking
advantage of we want to hear from you. I want
to give back though, to a Dmitri add an update.
So this woman was used to use an assessor Ride
and back then they'd send a bus out. I think
we've all seen them around over the years and they
would pick them up, bring him to a doctor's appointment,

(01:54:38):
even grocery shopping, all kinds of different things for people
that couldn't get around. So they've switched it. Now when
you go through assessor Ride or accessor Ride, they basically
use Uber or Lyft. Yeah, they dispatched one of those services,
and even though it's supposed to be free, she's been
charged different fees.

Speaker 6 (01:54:57):
In fact, one of them was what.

Speaker 12 (01:55:00):
Some kind of a hazardous event or hazardous conditions or
hazardous location kind of a fee is the ones she remembered.

Speaker 9 (01:55:06):
Now again Mark remembers, she's.

Speaker 4 (01:55:07):
How many dollars are we talking?

Speaker 9 (01:55:09):
Oh, they're zapping her or have been zapping her.

Speaker 12 (01:55:12):
It sounds like between twelve and twenty bucks for the
ride that the application said would be free.

Speaker 6 (01:55:17):
So like, how much are we talking?

Speaker 9 (01:55:19):
Oh, hundreds of dollars over a couple of months.

Speaker 6 (01:55:21):
Okay, So what did you find out?

Speaker 12 (01:55:23):
Well, I contacted URTD and they said, okay, we're going
to investigate this, and they put some kind of a
special customer service team on this matter. So they looked
at her app they looked at the fees, and they said, yeah,
they agreed that something weird is going on over there.
So these are unauthorized charges.

Speaker 4 (01:55:40):
And these charges were made by either Lift or Uber. Yeah,
and then ultimately they're charging the state of Colorado, and
then the State of Colorado's charging her.

Speaker 12 (01:55:51):
Well, it's not clear to me who's actually withdrawing the
money from her bank. Okay, So but the bottom line
is she's been losing money on these free rides and
she can't afford it. So you can imagine, well, unauthorized
charges so RTD they're going they.

Speaker 4 (01:56:08):
But they don't know why the charges were there.

Speaker 12 (01:56:10):
Well, you know, if it's unauthorized charge driver, that's what
it looks like, right.

Speaker 9 (01:56:17):
I haven't seen it in writing.

Speaker 4 (01:56:18):
But taking advantage of someone that needs assessor ride in
charging bs inexcusable.

Speaker 9 (01:56:26):
It's absolutely inexcusable.

Speaker 6 (01:56:27):
Did he get her money back?

Speaker 12 (01:56:28):
She got her money back, and then she'll they also
did something that will prevent unauthorized charges to her to
her account. So so she's been made whole and she
can look forward to using the free rides like she's
supposed to. But what I found out something else about
the Successor Right service in my dealings with RTD is

(01:56:49):
for those who are listening, who those who are using
the service, which apparently is an enormous number of people mass.

Speaker 4 (01:56:54):
In fact, there's a lot of funding cuts on it.

Speaker 12 (01:56:56):
That's what I found out. So I didn't know. But
they're just if weeks maybe months away from noltituting, well
they'll still have rides, but they will all be no
longer free. So apparently the Successor Ride service a couple
of years ago costs THIRTD about a million dollars a year,
and it looks like now it costs them about that

(01:57:17):
every month.

Speaker 4 (01:57:18):
Yeah see, and they say they can't afford it, you
know' give a mouse a cookie. And I'm being dead serious, sir.
You know when we did in Colorado for the life
of me. But when Polish came out and said, here's
what we're going to do. We're going to give every
kid free lunch. Every kid. I don't care if it's
Bill Gates kid, I don't care, if it's Mark Major's kid,

(01:57:41):
I don't care if it's an illegal aliens kid. We're
going to give every kid free lunch. And they said
we're going to take it from the general fund or
wherever they were going to take it, and that's what
they were going to do. Well, sure enough, a year later,
it's going broke. You can't do that. You can't give.

Speaker 6 (01:57:57):
Everybody free lunch. You simply can.

Speaker 4 (01:58:00):
In fact, that's like there's no such thing as free lunch.
You can tax whoever you want, as many as you want,
but when you give everybody free lunch, you're not going
to be able to afford eventually to give free lunch
to the people that really need a free lunch.

Speaker 9 (01:58:15):
Oh, I agree.

Speaker 12 (01:58:16):
In Denver, the city of Denver itself has a has
a similar problem. They you know, a few years ago
they started buying hotels and motels.

Speaker 10 (01:58:23):
To the.

Speaker 4 (01:58:27):
Hold on, hold on Doc finished that time.

Speaker 12 (01:58:29):
Yeah, and now they've run out of other people's money,
and so Denver is in a huge hole. And they
made a big deal about going through this layoff where
they laid off a easily one hundred and sixty people.
But uh, yeah, it happens every time.

Speaker 4 (01:58:41):
Now, it's crazy.

Speaker 11 (01:58:42):
Go ahead, doc, how do you differentiate in public schools
who can get free lunch and who can't.

Speaker 4 (01:58:47):
Well, it would be income based. It goes down to
the tax return.

Speaker 11 (01:58:50):
You have the the parents of that child would have
to proof.

Speaker 4 (01:58:54):
That they're indigen yeah, or whatever the goal is. It
doesn't you know what I mean? Yeah, yeah, I mean,
but it's crazy when it's for everybody. I mean, really,
it's for everybody. It's free lunch. I mean, where the
hell's that even come from?

Speaker 9 (01:59:08):
There is no logical justification.

Speaker 4 (01:59:10):
Back in the day, there was, and I'll be honest,
carry a little god some card. Suzan's parents were broke
as hell, and when she was in grade school, they
had free lunch, and you would have everybody knew who
the free lunch kids were. There was no doubt about it.
You had your free lunch card and when you're in line,
you had to show it, and everybody else had money.
It was very evident, and she would never take advantage

(01:59:33):
of it because who was embarrassing as hell. But they
solved that problem years ago, like twenty years ago. Now
everybody buys money on their card. Everybody's got the same card,
and whoever funds the card's not known unless the student
tells them.

Speaker 12 (01:59:49):
Yeah, there's no more stigma, zero stigma, So there's no
more justification for providing everybody with something that they don't write.

Speaker 6 (01:59:56):
I think that here's another one that's going broke.

Speaker 4 (01:59:59):
He'd start people they can't afford to, you know, give
their kid at seven am a banana. I mean, for
Christ's sake, literally something. I mean, there's people out there
that can't. But then all of a sudden, people on heads.
You could do anybody. You can almost get on it,
you know.

Speaker 11 (02:00:15):
My ex girlfriend was a speech therapist for the Denver
Public school system, and regardless of the child's larting school,
they would have a full speech exam and an interpreter,
so all the money that we spend was going to
undocument the kids and the interpreters, wasting time of someone

(02:00:35):
who's getting paid a lot of money.

Speaker 4 (02:00:37):
To do this. Hey, where does Susanne? Where does Brendan live? Basically,
I mean.

Speaker 2 (02:00:43):
We're about Highway thirty six and Peikofs So.

Speaker 4 (02:00:47):
Their kid is only like two years old, Their kids
get ready to go into public school up where they live.
You realize this sounds so crazy to me. I didn't
even believe it, But it's true. English is the second
language in the school.

Speaker 9 (02:01:00):
Doesn't sound right.

Speaker 4 (02:01:00):
Well, I'm telling you it's crazy, and they're trying to
figure out what to do come another year from now.
I mean it's getting that insane.

Speaker 11 (02:01:11):
Well, all schools ESL.

Speaker 4 (02:01:12):
I don't even know what ESL means. English is the
second language according to them.

Speaker 12 (02:01:16):
Yes, wow, yeah, but I think what Mark is saying
at this particular school, it's English.

Speaker 9 (02:01:22):
It's it's English. That's the second that's said. Yeah, that
doesn't make sense.

Speaker 4 (02:01:27):
How did they say it? Yes, Susan hold on, she's
the one that told me about it.

Speaker 2 (02:01:31):
Well, I mean, you mean, how do they describe the lang?
They say?

Speaker 15 (02:01:34):
English is the second language there? That's what she's going
to be the minority for language.

Speaker 4 (02:01:41):
In other words, if there's thirty kids, if there's thirty
kids in the class, twenty eight of them speak Spanish
and two of them speak English. So therefore the teacher,
of course, is going to be speaking Spanish. That's how
they describe it.

Speaker 6 (02:01:54):
Was I there for the meeting.

Speaker 9 (02:01:55):
Wow, that's pretty shocking.

Speaker 4 (02:01:57):
It is shocking, but once again, it goes, it goes.
We just only have limited resources in this country, in
this state, in any community. You can't do everything for everybody.
You simply can't do it. Agreed, and you go back
to assessor ride and that's where this conversation started. That
is something that should be for our veterans. That is

(02:02:18):
something that should be for people that are on medicaid,
people that have properly done things. You can't give free
rides to everybody. And when you do what happens, it
goes away. Then the people that should be getting it
don't have anything.

Speaker 11 (02:02:35):
And Mark, if you notice, every senator and representative will
say we need to cut spending, but then when you
ask them what are you going to cut spending on,
they won't give you a definite answer because they don't
want to lose that voting block.

Speaker 4 (02:02:49):
Yeah, it's well, yeah, it's just insane. You can't everything
can't be free. I mean, it just can't be. In fact,
Ma'm Donnie. He's actually on Fox News. I'm going to
go back and listen to this interview with Martha at
some point today. I'm very curious what he has to say.

(02:03:09):
But he came right out and said it, and all
I see is the caption's going by. She said, well,
how are you going to pay for free bus fare
for everybody? And these government run grocery stores that don't
mark anything up? I guess you get everything. He said,
I'm going to tax the rich. And we're only talking
New York City here, and oh my god, people are
going to be fleeing left and right.

Speaker 6 (02:03:30):
Well they have been, they have been.

Speaker 4 (02:03:33):
They're going to Florida by the truckload.

Speaker 11 (02:03:35):
And if this guy gets elected, it's going to empty
out Manhattan.

Speaker 4 (02:03:38):
Well and eventually, well he's definitely going to get elected.
But eventually tax you tax people right out of there,
You tax them literally right out. Then there's nobody else
to tax. Then the place just becomes Thunderdome. It's damn hell.

Speaker 11 (02:03:53):
I figured it out. He came on record as saying
he's going to arrest that and Yahoo, did you read that?

Speaker 1 (02:03:59):
Yeah?

Speaker 5 (02:04:00):
That is nik.

Speaker 4 (02:04:03):
First of all, what what's he gonna do with citizens arrest?

Speaker 6 (02:04:06):
No, you don't let me finish.

Speaker 11 (02:04:08):
If you arrest in Yallo, he can get the money
from Israel for ransom, and that's I will pay for
the free busses.

Speaker 9 (02:04:14):
It's just simple.

Speaker 4 (02:04:15):
It's just so absurd that people think you can tax
your way out of a spending problem. You can't. It's
impossible to do. California should know it. Everybody should know it.
By now, Colorado we're getting so in deep and after
this break I'm going to say something that's shocking and
we're gonna go through the breakdown. But did you know

(02:04:38):
listening right now, Colorado ranks Numero uno number one for
per capita consumer debt as of now. As of now,
think about that, we have more debt per individual than
any other state out there. And I'll break down the
debt and you're gonna be shocked by it.

Speaker 6 (02:04:59):
But prob not.

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Speaker 4 (02:05:38):
All right, three oh three seven one three eight two
five five So consumer debt number one, number one. Colorado
is ranked number one in the nation for personal and
household debt per capita. And this is right now. This
isn't like five years ago. It's right now. Why in fact,
listen to this number. The average person in Colorado, their

(02:06:02):
debt is ninety thousand dollars. That's more than fifty percent
above the national average. To me, that is shocking. The
average person here has ninety thousand dollars in debt. So
if they sell everything, they sell their house, they sell
their cars, they pay off all their loans, they're in
the hole ninety thousand dollars. Sick about that, they're in

(02:06:24):
the hole ninety thousand dollars. Mark does that include mortgages
includes everything. It's debt. It includes everything they have, It
includes the debt though, yes it includes mortgages. But if
they sell their house and get the money and pay
it off, the average is still ninety thousand dollars in debt.

Speaker 6 (02:06:45):
Think about that.

Speaker 11 (02:06:46):
Are you sure that's what they mean?

Speaker 6 (02:06:47):
Well, oh, okay, I don't know what in debt means.
What does in debt mean to you? Well, a debt?

Speaker 11 (02:06:52):
Your mortgage is a debt. Yeah, so if you're amortizing
one hundred people who don't have a mortgage and a
hundred people who do have a mortgage of two hundred
thousand than the.

Speaker 4 (02:07:03):
Average, waits scot docker you saying they're not in debt.
I'm trying to figure out. Literally, here's what it says.
Hold on, I'm going to read it to you. Based
on data from twenty twenty four and twenty twenty five,
Colorado is ranked number one in the nation for personal
in household debt per capita. Recent analysis show the average

(02:07:24):
personal debt of a Colorado resident is over ninety thousand dollars,
more than fifty percent above the national average.

Speaker 6 (02:07:34):
So how do you read that? Not in debt?

Speaker 11 (02:07:36):
No, No, I'm asking a question. You have one hundred
people who are renting apartments, Yeah, okay, who have no debt,
but they're renting an apartment.

Speaker 6 (02:07:44):
Well, Ben, I guess they don't live in Colorado?

Speaker 11 (02:07:46):
Can I finish? So you have one hundred people renting apartments,
you have one hundred people have mortgages of two hundred
thousand dollars. You average it out. That means that people
have an average of one hundred thousand dollars in debt
when they're really the only that they have is a
big mortgage. If that's the case, then statistics can be misleading.

Speaker 2 (02:08:06):
It's an average, though, Doc, It's an average.

Speaker 11 (02:08:09):
Well that's what I'm saying, the average of people who
around I don't know what.

Speaker 4 (02:08:11):
Okay, then what makes it different than Florida? What makes
it different than these other forty nine states? We are
the number one in debt, regardless of how you calculate
that number.

Speaker 6 (02:08:22):
For Christ's sake, Doc, what's the difference we're number one?

Speaker 11 (02:08:25):
Well, okay, we may be number one, but I don't
know about the ninety thousand.

Speaker 6 (02:08:28):
Well okay, then so they're lying I don't I.

Speaker 11 (02:08:32):
Don't understand it. That's almost saying, well.

Speaker 4 (02:08:33):
I agree, you don't understand it. I'm not pretending to
understand it. Here's where they break it down. The biggest
thing mortgage drive the highest debt. In twenty twenty four,
mortgage debt accounted for approximately seventy seven percent of all
household debt in Colorado. Why because we have extremely high
housing prices and property taxes.

Speaker 6 (02:08:56):
Our mortgage payments are way higher than anybody.

Speaker 11 (02:09:00):
I agree totally. So am I ninety thousand dollars in
debt because the only debt I have is a mortgage.

Speaker 4 (02:09:07):
I look at debt way different than I guess. I
see whe're docs alluding to you're looking at debt like
that's not debt. To me, you're either you're either making
money or you're losing money. What is your net worth?
I guess is how I'm looking at it. If you
have ninety if you have a mortgage, that's a million dollars,

(02:09:27):
Arguably you're a million dollars in debt, right, But if
the house is worth a billion dollars, I don't look
like that is in debt. I sure as hell aren't
in the hole a million dollars. I'm up nine hundred
and ninety nine million, dollars.

Speaker 11 (02:09:41):
Let me ask a question. So the only the only
debt I have is my mortgage. I could pay my
mortgage off, but I choose not to.

Speaker 4 (02:09:48):
I don't think you're in this category then, So.

Speaker 11 (02:09:52):
The people who could do that wouldn't be considering in debt.

Speaker 4 (02:09:55):
I wouldn't consider that a debt.

Speaker 11 (02:09:57):
Well, I'm just trying to work out the stats.

Speaker 15 (02:10:00):
That is money owed minus assets according to Deputy Dan
our old friend.

Speaker 4 (02:10:05):
No, I don't even know, like I'm just simply reading
what it says. So, first of all, Doc, we're still
number one. I don't care if they calculated by how
many boxes of Rice Crispy you have or owe money on,
It doesn't really matter. We're still number one in debt
in the entire country.

Speaker 11 (02:10:21):
And I think it's because of the high housing price.

Speaker 4 (02:10:23):
Well, it is a big chunk of it. Second, high
educational educational loans student loans. Over fifty percent of adults
holding an associate's degree or higher have paid more in
this state than they do in other states. So I
guess community colleges and places like Metro cost way more

(02:10:44):
than they do. It's even in state tuitions, and they
do another stall.

Speaker 11 (02:10:47):
I think it's also the influx of people who went
to college and other places and came to Denver to
live who counted debt with them.

Speaker 4 (02:10:55):
And then it says younger in educated population, meaning this educated,
younger population carries a heavier debt load because they're younger.
Of course, they still have a huge amount of student loans.

Speaker 11 (02:11:09):
DOE, and they move to Denver because it's a they
want to leave.

Speaker 4 (02:11:13):
What do you think the average student loan is in Colorado?

Speaker 6 (02:11:16):
Average?

Speaker 4 (02:11:17):
How mucheo? Yeah, fifty thousand, close thirty six thousand. Other reasons.
Credit card debt. The average credit card debt for a
Colorado resident was six thousand, four hundred and sixteen dollars.
Listen to this one.

Speaker 6 (02:11:33):
The city of Aurora, Colorado.

Speaker 4 (02:11:36):
Has one of the nation's highest average credit card debt,
so we know the state of Colorado. The average is
six four hundred and sixteen dollars. This is a shocking number.
This is a shocking number. If you live in Aurora
and you're an average citizen, what do you think your
credit card debt is? Go ahead to meet you.

Speaker 9 (02:11:57):
Oh, I would say about thirty thousand bucks.

Speaker 4 (02:11:59):
No, it's not that high. I say eighteen fourteen thousand
and one ninety nine, which is over double what the
debt is for the average person in Colorado, let alone
the rest of the country. Think about that. That isn't
that remarkable?

Speaker 6 (02:12:14):
So why is that?

Speaker 4 (02:12:15):
Why is that?

Speaker 6 (02:12:16):
Why?

Speaker 4 (02:12:17):
If you live an Aurora, the average credit card dead
is fourteen one and ninety nine, but for Colorado as
a whole, it's only sixty four hundred dollars.

Speaker 6 (02:12:29):
Why is that?

Speaker 11 (02:12:30):
Because they're rent poor. They're paying a lot of money
for rent. They don't have money, and they don't have
any money if anything else, they got to put it
on a credit card. They're paying high interest or not
paying it off every month. They either don't know how
to handle money or don't have any money to handle.

Speaker 4 (02:12:45):
But it's funny, it's Aura. It's not Denver I would
have lost. I would have actually thought Denver proper would
have been more than that. And then rising delinquencies. Listen
to this. Reports indicate a sharp reverse of positive debt trends.
Remember this is all Colorado that followed the COVID nineteen pandemic.

(02:13:06):
For example, the rate of severe credit card debt delinquency
among young adults in Colorado increased from nine percent in
twenty twenty two to almost thirteen percent in twenty twenty five,
and then of course the debt to income burden at
nearly one hundred percent. Colorado has the heaviest debt to

(02:13:30):
income burden of any state, meaning that average household debt
is roughly equal to average annual earnings. So if you
make one hundred thousand, you owe one hundred thousand.

Speaker 12 (02:13:41):
Yeah, Mark, that's the most important statistic you've quoted so
far on this matter, the debt to income burden, debt
to incoming one. You make eighty thousand, you spend eighty thousand,
you owh Even worse than spending eighty thousand, you.

Speaker 4 (02:13:54):
Owe eighty seven. That's because we have no taxes. We
have fees, Yeah, fees an taxes. Think about the property tax.
When Polish did that, that almost killed all of us.
I don't care, rich or poor. Your property taxes, in
some cases doubled in Colorado. It is the highest cost
of living hold on