The Troubleshooter 10-23-25

Episode Transcript

Speaker 1 (00:05):
Ripped up bad news, so you don't have.

Speaker 2 (00:12):
Come a run in.

Speaker 3 (00:13):
Just as fast as.

Speaker 1 (00:14):
We can, Shooter's gonna help coming.

Speaker 4 (00:18):
Man.

Speaker 3 (00:19):
This is the Troubleshooter Show. Now Tell Martinez, welcome my
friends to the only show. But it's kind. We're here
to solve problems, answer questions, take complaints. Our goal in
life is to make your life just a little bit better.
We are here to recover money. Maybe you've been ripped off,
maybe you've dealt with a bad contractor maybe maybe you're

(00:42):
a contractor and have dealt with a bad customer. In fact,
a guest with me today Chris Console discount bathdi dot com.
Great guy, you're gonna love him joining in on the
show today. We're gonna talk some bathrooms, but he's also
gonna chime in on everything going on, any problems. But
we were talking about some customers are pretty hard to

(01:04):
deal with. That's just a fact of life. It really is.
When I was in the retail business the automotive, I
can assure you I ran across a lot of bad customers.
Now I'm talking maybe a half percent of everybody, so
it's really not a lot, but they do happen, And
how you deal with them. But here's the deal. If
you've been ripped off. Three oho three seven one three

(01:24):
eight two five five, Suzanne, we have no YouTube, as you.

Speaker 5 (01:28):
Know, we don't have YouTube today, Mark, Hopefully tomorrow, maybe
it'll work out for us.

Speaker 3 (01:32):
Somebody I won't mention who let's not name names, is
not here talking to you right now and left town
to go to a wedding.

Speaker 6 (01:40):
Now you're filling in form, but we won't say his name.

Speaker 3 (01:43):
And he turned off all the equipment at his house,
so I'll leave it at that. I'll leave that up
to the listeners to figure out who that was. So
I don't know if possibly Doulche might be there.

Speaker 6 (01:57):
Maybe Texture, I'll text her and see if she can
turn that thing off.

Speaker 3 (02:00):
She might have went with him, though I'm not sure.
So we're not gonna name who it was. But he
does have a daughter and he usually does this show
from his house. But we will not name names, will
we absolutely not? Three oh three seven one three eight
two five five three zero three Martino. I want to

(02:21):
talk about something real quick. Then Lauren's got a big problem,
a real estate scam. It looks like she's going into foreclosure.
I had to touch on this So Chauncey Billups unless
you live under a rock. Well, actually that's not true.
The business that I'm in. When I walk into this
fourth floor here, there's TV's on everywhere. I listen to

(02:44):
the news while I'm in the car. I'm always checking
the news. It's just what I do. And there was
this scheme, this indictment today that's absolutely unbelievable. It has
to do with the NBA. It has to do with
Chauncey Billups. It's one of the big names, a guy
named Damon Jones. He's X Miami Heat. It's crazy, It's

(03:07):
absolutely crazy. I'm going to talk not just about the
basketball part of it real quick. The basketball part. I
guess on some of these over and under bets you
can make I don't know. You can make them on
Fan Duel, you can make them on NGM, you can
make them everywhere. But you might have an individual player
that you bet how many points they make the over unders,

(03:30):
so not the total points for the game, but the
individual players. So you might say, hey, you know, when
Chauncey Billips was playing, he might be over under fifteen points.
You know, Shack back in the day might have been
over under thirty four points. So if you go over
and you bet the over, you win. If you has
thirty five points, if you're under the thirty four you

(03:50):
would lose. Pretty straightforward bet. But there was a lot
of that stuff going on, apparently allegedly going on. But
the one that's mind blowing to me, mind blowing is
the poker scam. Yeah, the poker scam. You go, what
tells the NBA got to do with that? Well, you
would have these players that people want to play poker with.

(04:13):
They milked people out of tens of millions of dollars
once again, allegedly checked this out them. How they did
it was amazing. The game was rigged, it was fixed.
You would show up to play with these NBA guys
and other people that were in on it, the dealers,
everybody was in on it, and you would lose money.
And the mafia, the Italian mafia, the mafia also was

(04:36):
actually tied into this, so they'd extend you a line
of credit. They're cheating you, you lose millions of dollars.
Then they shake you down and basically threaten to break
your legs. This is incredible, This is still happening. This
is still happening. I didn't even realize the Italian mafia
was still a thing. I swear to god, I had

(04:56):
no idea. Apparently three out of the crime, three out
of the five crime families are still kicking it, and
now they're doing it a lot better. But listen how
they would rig these games. I have never heard of this, Chris,
you ever played poker dragon? Have you ever played poker yep?
Through family games and what not? Yeah? So family games

(05:16):
and stuff, Chris, if you play it up at like
a casino, yeah, okay. So you've seen the shufflers, yeah, okay.
So they would buy shufflers from Amazon, cheap home shufflers.
You put the cards in them, and then someone deals them.
Listen to what they would add onto these. I don't know.
You probably can get them. I don't know if you
can get this part of it on Amazon, but I

(05:37):
guarantee you can get it. You add something to the
cheap shuffler. They'd buy a cheap shuffler. They literally a
cheap one on Amazon, fifty dollars shuffler. They would add
some technology to it, a reader. When it would shuffle
the cards, it would read it and it would tell
you who's going to have the best hand when the
dealer dealt it. The shuffler would read the cards as

(06:01):
it's shuffling, and then it would know how many players
are at the table. Because they would put that input,
it would send the information to someone off site, probably
by Wi Fi. That person, of course is watching on
the cameras somewhere and somehow gets to know who's got
the best cards. And then they're communicating with the people

(06:22):
that are in the fix, that are at the table.
Think of how crazy that is. So you're sitting there,
it's not like they're dealing the ace at the bottom
like you see in the Gambler video. Nothing like that.
What they're actually doing is knowing what everybody's cards are
before their even dealt, which is incredible.

Speaker 4 (06:42):
Wow.

Speaker 3 (06:42):
So they would milk these poor SAPs who want to
play with these NBA greats. They would milk them out
of tens of millions of dollars by doing this. Now,
think about this. The one player I forget which player
it was, honestly think I think he was a guard
with to Miami Heat. I think it was Terry Rosier

(07:03):
or however you pronounced it. But once again, I'm going
off memory there. This guy was doing some of the
over understuff in the basketball game. This guy makes like
ready for this. If I got the right guy, one
of these NBA players makes like twenty six million dollars
a year, twenty six million dollars a year, he would

(07:24):
have these gangsters showing up allegedly because he would do
this over understuff, paying them in cash two hundred thousand dollars.
Think about that, You're going, Wow, two hundred thousand dollars.
That's a lot of money. No, it's not when you
make twenty six million dollars a year. I assure you,
two hundred thousand dollars ain't crap. It just isn't.

Speaker 4 (07:43):
So.

Speaker 3 (07:43):
For the life of me, I could not figure out
why a guy that's making twenty six million dollars twenty
six million dollars a year is in the fix on
some gambling scene that can completely ruin his career and
put him in prison for two hundred thousand dollars For
the life of me. But then I start thinking, who

(08:03):
was the football player that was playing gangsta and he
was making ten twelve This guy, I think he played
for the Patriots at Hernandez. Is it Hernandez and he
ended up like killing his wife's brother in some gangster thing.
This guy made a ton of money and he's playing
gangster at his house. How about VIC remember him? Does

(08:25):
anybody remember it wasn't cock fights, it was dog fights.
This guy made a ton of money, a ton of money,
and he's running pit bulls in his backyard. What is
up with these people making a ton of money, a
ton of money? This guy twenty six million dollars. Blows
everything he's done, blows everything he's done over two hundred

(08:46):
thousand dollars. I will never understand that in my life.
I won't understand it. But the FBI, the biggest part
of this story to me is the mafia is still around.
I had no idea, so you would go, you'd get hustled.
Maybe maybe you would have an idea. You got hustled.
Someone went to the FEDS. Someone went to the FBI,

(09:06):
Someone went to the New York City Police. Somebody did.
Because this thing's been under investigation for two years, someone
went and they started putting it all together, and sure enough,
they've been ripping people off on these poker tables, playing
with NBA players. But the part that I still cannot
believe is the mafia, the Italian mafia. Three out of

(09:30):
the five crime families are involved in this. And if
you didn't pay, because you would go in you might
go in there with fifty thousand. You lose that to
extend your credit. Next thing, you know you can't win
because it's fixed. You don't even know that, but you're
down a million dollars. You go back and I'm sure
you're going damn. I played a lot of poker in

(09:51):
my life, a lot of poker. I thought I was
better than that. I didn't know I could lose that
much money. Next thing, you got Guido calling you up.
He's threatening into break your legs if you don't pay
up the money you just got ripped off by. It's horrible.
It's absolutely a horrible deal. Now, the last thing I'm
going to say about that, then I promise Lauren's got

(10:13):
a she's in foreclosure. You're gonna be up first Lauren
as soon as we come back, and then Sue she's
got a problem. Windows by Anderson. I swear to god,
I've had more calls on that in the past year
than I have any other window company. And I thought
they were like the Krem Dala Kreme. But I mean
something has gone different there, but one last thing, and

(10:35):
I hate to almost admit this. Years ago, Suzanne, you
remember Stinky. I'm not going to use his real name.
He had a home game in Castle Rock, YEP. Fifteen
twenty years ago. I'd play a lot of big poker,
a lot of big poker. What's big poker? A home
game that might average pot anywhere from seven hundred to

(10:58):
three thousand, that's pretty big game. And I played a
lot of them. I played at my accountant's house, I
played at another place in Littleton, and I played in
a place in Castle Rock. This dude's Stinky, And the
only reason I'm not using his real name is I
think he went legit, okay, And you'll know what I
mean by that in a second. So I'm there playing,

(11:22):
and I play at these other places. I used to
play two three times a week, and they'd be in
different places, and I held my own made money, never
lost a lot of money. I was a pretty damn
good poker player, to be quite frank, till I got
bored of it. Until I started going to Stinky's game.
So Stinky, all of a sudden, I start thinking, how

(11:42):
come this is the only damn place I can't see
him to leave with money? Other places, if I went
five times, maybe three i'd leave with money, two I wouldn't.
So it was always good. I was always usually up
a little, nothing huge, sometimes way up, sometimes way down,
but all in all, over a long period of time,
I was doing very good at all these places. But stinkies,

(12:06):
but stinkies. So all of a sudden, I start inquiring
about stinky and why do I call him stinky? Because
I had to sit next to him one time at
my daughter's dance recital and he's stuck. The guy smelled
like he hadn't taken a bath and just drank a
half a tub of gin, and I started calling him stinky.

(12:27):
You know that really bad smell an alcoholic might have
after a few days of not showering and doing nothing
but drinking. That was stinky. God, I'm so tempted. I
am so tempted to call him out just thinking about this.
So here's what happens. I start going what he So
I start talking to people at other games and they're like, well,

(12:49):
who's the dealer? And I'm not going to say this
guy's name either. I don't think he's around anymore, but
I'm going to call him Sumo. Okay, So I said,
Sumo's deal and it's him and his wife and some
other people, and they're like, oh my god, that's a
fixed game, dude, that's a fixed game. I want you
to look for this next time you go. So I go,

(13:10):
and sure enough, the dealer was in on it. So
now I know the dealer's in on it big time,
and I call him out. I said, what are you doing?
You just did this. What his wife would do is
go around and basically bring you drinks. She'd play cocktail
waitress there, but she was basically cheating for the dealer
who was working and getting paid by Stinky. And this

(13:32):
is all it's Stinky's house. So finally I basically called
out right there, and I call Stinky out right there
because he was playing. I said, this is fixed. In fact,
I talked to so and so and he said this
guy was ripping people off at this place, and I
verified that. I said, you guys have been taking me
for probably a month. It's the only place i'd never

(13:53):
leave with some money. Ever, So I throw a big
fit there and I leave. He calls me up about
three days later and he goes, you're right. That guy
was ripping us all off. So Stinky is now claiming
that he wasn't in cahoots even though he's the one
that hired the dealer, paid the dealer, and I never

(14:14):
saw Stinky losing any money there. So they were taking
everybody at the table. But basically Stinky was involved. I
think he's gotten straight. I had to vent that. I
had to vent at Lauren and Sue. I promise you're
up next.

Speaker 7 (14:35):
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(14:57):
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all three nine two zero sixteen twenty two.

Speaker 3 (15:12):
All right three on three seven one three A two
five five three zero three Martino Deputy d joins us
so we have Chris Console in studio, discountbath dot Com
contractor extraordinary. We got Dmitri to my left. I'm here,
Suzanne is playing Kelly today. Kelly's visiting with her mother.
Dragons on the other side of the glass. Three zero

(15:33):
three Martino, two lines open, Lauren, what is going on?
What is happening?

Speaker 4 (15:39):
Hi, guys, Good morning, thand morning. So much for listening
to me.

Speaker 2 (15:43):
So, you know, I just.

Speaker 4 (15:46):
Sad since you know COVID I saw, haven't been able
to financially secure myself into the right position. So my
home started to go onto foreclosure, and I an investor,
came along and took advantage, you know, kind of mis
led me to believe certain things that were not the case.

Speaker 3 (16:04):
Hey, Lauren, how how much how far back were you
on your house? And what's the value of your house
right now? If you had to guess, Well.

Speaker 4 (16:12):
The value on the actual like website of where the
loon is from was like three thirty.

Speaker 3 (16:18):
No, I'm saying, what could you sell it for right now?

Speaker 4 (16:21):
Yeah, it would be if I were to sell it
just regular outright, it probably would be about three hundred thousand,
I would.

Speaker 3 (16:27):
Say, And then what do you owe on it?

Speaker 4 (16:30):
Only about eighty four.

Speaker 3 (16:32):
And how far back were you on payments dollar wise
and months?

Speaker 4 (16:36):
It was about I'd say like seven or eight thousand.
My mortgage was so low because I've lived here for
twenty years.

Speaker 3 (16:44):
How much was it though?

Speaker 4 (16:45):
It was like six hundred dollars.

Speaker 3 (16:47):
A month, so you really missed like a year's worth
of payment.

Speaker 4 (16:51):
It was like almost a year because I didn't have
I wasn't able to find a job.

Speaker 3 (16:57):
Well, I don't even want to get into that part.
I mean, honestly, we have six hundred bucks O. But yeah, yeah,
So but where we are right now? Are you literally
in foreclosure? Is there an auction coming up? Where are
we at?

Speaker 4 (17:09):
There was going to be one, but I did get
involved with you know, broker investors.

Speaker 3 (17:14):
And what did the broker? What did the broker promise you?
He was going to come in pay the bank and
then what you know.

Speaker 4 (17:21):
He was just promising me money at a certain times.
It was not even what's supposed to take place, like
instead of going to a title company, he promised it
would come to me directly at a certain time frame.
And then when I asked about it, he said, oh,
you know, I'll check if we caught the deadline, like
he just was not honest through the whole process. In
the beginning, offered me money.

Speaker 3 (17:40):
But Lauren, what ultimately was the process? I mean, did
he take care of the loan? Did he take his
second position on the house? What did the guy do
to the best of your knowledge?

Speaker 4 (17:51):
Well, right now he's blocking any other sales from happening,
so I'm kind of stuck.

Speaker 3 (17:55):
And how is he doing that? Is he doing that
with a lean or is he doing that with a
position title?

Speaker 2 (18:00):
What?

Speaker 4 (18:01):
Yeah, he's doing that with buy I not with by
filing a filing the contract that he wasn't supposed use
anyhow with the court, I believe, or with the state.

Speaker 3 (18:12):
And what was the contract for?

Speaker 4 (18:15):
Do what?

Speaker 3 (18:15):
What was the contract for.

Speaker 4 (18:18):
When I was originally going to sell it to him,
when he misled me to believe certain things.

Speaker 3 (18:23):
But you did sign the contract, right, yes? Okay? And
how much was he going to sell it to you for?
Or I'm sorry, how much were you going to sell
it to him for?

Speaker 4 (18:32):
It was one sixty I believe, Yes, it was.

Speaker 3 (18:36):
One sixty Okay, So eventually you thought that's too low,
but you already entered into the contract. Exactly did he
pay you hold on, did he pay you the one sixty? No,
he did it, so he has paid you nothing money?

Speaker 4 (18:52):
Is not out any money?

Speaker 5 (18:53):
No?

Speaker 3 (18:54):
Well wait, I didn't ask if he was out any money.
I don't understand what that means. But what I'm asking,
has he paid you anything? No, sir, nothing, No, are
you refusing to take payment?

Speaker 8 (19:09):
Well?

Speaker 4 (19:09):
I when I found out that he was completely lying to.

Speaker 3 (19:12):
Me, Well how was he lying to you?

Speaker 4 (19:15):
Well, you know how it's kind of complicated about the
earnest money that's supposed to go.

Speaker 9 (19:19):
To a title company.

Speaker 4 (19:21):
Okay, when you were going through a process of a sale.
He actually told me that was going to go directly
into my account on Friday the third at this particular time.
When I asked him about it, he never corrected me.
He just said, oh, you know, it'll be here, and
he kept pushing it back. So I never I was
acpecting that money so I could secure an apartment for

(19:41):
me and my son.

Speaker 3 (19:42):
Okay, so the earnest money never showed up. Does the
contract talk about the earnest money showing up by a
certain date? Yes, Well, then I would assume that contract
doesn't even matter anymore because he didn't do his part
of the contract, and that's when think.

Speaker 4 (20:00):
It's just been a complicated thing.

Speaker 3 (20:01):
Okay, but that's fine, but hold on, hold on, there's
two different things here. There's him holding things up, which
he definitely is doing, but it's also whether or not
you have to sell the house to him. At this point,
do you have a copy of that contractor or I'm
sorry that contract?

Speaker 10 (20:18):
Yes, sir?

Speaker 3 (20:18):
Is it in a PDF?

Speaker 4 (20:21):
I believe it is.

Speaker 8 (20:22):
Yes, Okay, can you.

Speaker 3 (20:23):
Send it to me right now?

Speaker 11 (20:25):
Yeah?

Speaker 3 (20:26):
All right, hold on, let me get you on. Hold,
let's take this break, Susan. I want to get a
copy of that. I want to look at it. I
want to send it over to Brad O'Brien. He's our
real estate attorney. I want him to get a look
at it too. But I want to look at it first,
and let's figure out exactly where she stands on this
by sell contract. You look perched.

Speaker 11 (20:45):
Hey, hey, Mark, I just looked up a pretty interesting
piece of legislature.

Speaker 3 (20:50):
In Colorado.

Speaker 11 (20:50):
There is a law called Colorado Foreclosure Protection Act, and
in part, it addresses the responsibilities and duties of investors
such as the one she's just described. Interesting, So I'm
gonna read the law while we.

Speaker 3 (21:04):
Were on break. I'm curious where she's at with this,
generally speaking, if this is somewhat of a normal contract
to buy and sell, and something tells me it's not.
But let's just say it is that one sixty would
eighty of it would pay off the first She would
end up with whatever was left over, but the earnest

(21:24):
money would be due at a certain point. Generally, you
signed the contract earnest money wants both parties sign within
a couple of days. The earnest money supposed to be
at the title company or whoever's holding it in trust,
and if it's not there, generally they miss that deadline
on the contract and the contract is Nolan void. But
she's saying at this point he's filed it with the court,

(21:47):
which is where I get a little lost. He filed
a contract that he never funded. Well, who cares? Once again,
that could hold things up, but I don't understand his game.

Speaker 7 (21:56):
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Excel roofing dot com.

Speaker 1 (22:06):
You don't pay a cent until you're contenth.

Speaker 7 (22:11):
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. 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 3 (22:47):
All right, three oh three seven one three A two
five five. We've got a ton kicking on the Troubleshooter
Show today, Lauren. We're waiting for paperwork Addie or Adie Cheese.
I just called my wife, my daughter. Am I getting older?
What Suzanne did Lauren send over that info?

Speaker 6 (23:05):
I'm still waiting for it in the inbox.

Speaker 3 (23:06):
All right, so we're gonna hold off. I got to
see your paperwork with this guy. This is a horrible situation.
Someone's holding up a sale. Here's my goal, though, Lauren,
I know you're listening. I want our real estate attorney
and myself to look at that contract. I want to
make sure there's nothing this guy can do to enforce
the sale at this point. Then I want to figure

(23:28):
out a real option for you, maybe with Frank de Ran,
the real estate man. I don't even think you need
to door a short sale. If the lender isn't right
there ready to foreclose this minute, you just ended up
with the wrong person. In other words, this guy is
trying to rip you off. But the fact he did
not deliver the earnest money after we look at this contract,

(23:49):
that might have been the flaw in his scheme. But
we're gonna find out, Sue. What is going on with
God Windows by Anderson? What happened? Is it a warranty issue?

Speaker 7 (24:01):
No?

Speaker 12 (24:02):
Hi, how are you?

Speaker 3 (24:03):
I'm doing good too? How are you doing? Thank you
for asking good?

Speaker 12 (24:06):
Thank you? Actually, I am here at my friend's home.

Speaker 4 (24:11):
Who this is the situation.

Speaker 12 (24:13):
I have a friend here who is elderly. She's eighty four,
will be eighty five in February, as a widow just
lost her husband about a year ago, and she's from Malaysia,
but she says lived in the country, but her husband
always took care of everything for her well. She had
gotten a flyer in the mail about saving on windows,
so she decided to call. So she called and it

(24:35):
happened to be Anderson Windows, and all she wanted was
a quote, and the woman who came out to basically
looked around, sat down with her and said, I'm here,
sign on my iPad And my friend said, what am
I signing? She said, just sign, just sign these papers
here on the side patches. But I don't understand what

(24:56):
I'm my signing. Don't know what I'm signing.

Speaker 3 (24:58):
Yeah, I get it, but she but she signed it right?

Speaker 4 (25:02):
Yes?

Speaker 13 (25:02):
All right?

Speaker 3 (25:03):
So she's eighty four years old. Was anybody with her
when she signed it or just a sales rep?

Speaker 4 (25:09):
It was a sales rep.

Speaker 12 (25:10):
And I think she had her friends visiting with her
at the time.

Speaker 3 (25:14):
All right, So it was your friend along with her
friends with the salesperson. She signs it. So what happened
from there? Did you know she did have three days
to cancel that contract? I doubt she knew that, but
for people listening, yeah right, she did.

Speaker 4 (25:31):
Not know that. She never gave her a hard copy.

Speaker 12 (25:33):
She never told her she had three days.

Speaker 4 (25:34):
Okay, she said, I will give you a hard copy.

Speaker 12 (25:38):
Never received it. It was after ten days my friend
called and said, where is the hard copy? I don't
even know how much.

Speaker 3 (25:44):
Yeah, but you're chasing down the wrong You're going down
the wrong avenue. None of that matters. Almost all contracts
now are like that. They don't have to deliver a
hard copy. It just doesn't work that way. And I
don't care if it's a home service company, window company,
a garage door open. Everybody uses tablets now, it's just
the way of the world. So, but where do we

(26:06):
stand right now? When did she sign that?

Speaker 12 (26:10):
She signed it in July July twenty or thirtieth or somewhere.

Speaker 3 (26:14):
Did they ever deliver windows? And by the way, eventually,
what did she buy? Did she buy like every window
in the house or siding or what?

Speaker 12 (26:23):
Yeah, basically she sold her all the windows for her
entire house.

Speaker 4 (26:27):
Okay, she never gave.

Speaker 12 (26:28):
Her any options. How much were they our lowest medium
close to fifty thousand dollars?

Speaker 4 (26:34):
Okay, my friend is on a budget.

Speaker 3 (26:37):
Yeah, okay, I get it. Once again, I don't want
to go down rabbit hole. So she signed it. That
was months ago. Where does it stand now? Did they
ever install the windows? Did they ever deliver the windows?

Speaker 12 (26:49):
No, as of right now, because she has to have
HOA approval, and the woman came to do the HOA approval,
but we have heard nothing from HOA. Okay, as it stands,
they contacted her and said that you know your windows
are here and if you don't get them installed, you're
so responsible for these windows?

Speaker 3 (27:08):
Well, and she very well could be. I would think
a company the size of windows of Anderson might have
done something. But if they actually measured and ordered the
windows in the in the windows you're sitting somewhere, I
think your friend bought windows. In fact, I know she
bought windows. So why don't we just move forward and
get them put in? Did she finance them through windows

(27:31):
by Anderson?

Speaker 14 (27:33):
No?

Speaker 12 (27:33):
Through another a third party that Anderson Windows went through.

Speaker 3 (27:36):
Well, I guess that's what I meant. Have they already
been taking money from her? Or how does that working?

Speaker 12 (27:42):
No, So we put a dispute in for that because
to the truly feel like she got scammed because okay,
she had no flue shoe.

Speaker 3 (27:50):
I'm just telling you she didn't get scammed by anything
you're telling me. Yet did she get taken advantage of
arg you a believe she did? In fact, in my opinion,
she did. She's eighty four years old. I mean, but
look at it from their side. This woman contacted to
come out and get a quote and they sold her windows.
So let's not forget that part of it. But let's

(28:10):
let's move past that. So has she been billed yet
by the finance company?

Speaker 12 (28:16):
No, not yet.

Speaker 3 (28:18):
Okay, She's ultimately gonna get billed by the finance company.
My advice at this point is to go forward with
it now. I don't mind having one of her deputies
to call over to the sales rep. But windows are
generally custom, you know. I'm not saying like, if you're
US Homes or Lenar or K and H, you're not
buying you know, you're buying track home windows. There could

(28:40):
be a million of them. But I don't know what
your friend has, but it sounds like custom windows. And arguably,
even if they're not, they could say they are customed.
There's no doubt about it. So I think she needs
to go forward with it. But why not get him installed?
And then if she can't make the payments, I guess
she can't make to payments, it's going to up the

(29:01):
value of the house.

Speaker 4 (29:05):
All right.

Speaker 12 (29:05):
So my question is, as long as the HOA has
not approved, she cannot get these windows installed.

Speaker 3 (29:11):
Okay, fair enough, I mean that's true, but that still
has nothing to do with the purchase unless the contract
talks about that. Do you have the contract?

Speaker 12 (29:21):
Yes, we do, and it does not state anything about HOA.

Speaker 3 (29:24):
Well, here's what I want you to do. I want
you to send over the contract so I can just
eyeball it anyhow I do. I want to take a
look at it for to see if there is any
outs listed. But if there's nothing about HOA approval, then
I don't think that would be able to cancel the contract.
But let's look at it. But let's just say everything.
Is what I'm saying. What is your best option? What

(29:47):
is her best option in your opinion?

Speaker 12 (29:51):
Well, I mean I just best Her only option would
be if she cannot get out of this to get
the windows.

Speaker 3 (30:02):
Yeah, and if she can't, here's what I'm saying. Here's
what I'm saying, they might as well come after her
when she has new windows for payments compared to coming
after her for the same amount of money to fulfill
the contract with her old windows. I don't see any
downside to getting the windows. But hold on, I got
you on. Hold sue, get us a contract right away.

(30:25):
I want to look at that. Okay, and Tommy Walter,
you guys are going to be next. We've got a
lot cooking here. I'm still waiting for Lauren's information. Hopefully
I have it here. And then Tommy, I don't know
what's going on with him yet, but Walter identity fraud.
That sounds horrible. Everybody holds tight.

Speaker 7 (30:47):
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(31:09):
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 3 (31:21):
All right three O three seven one three eight two
five five three zero three Martino A lot kick in
the day. Hopefully we're gonna get uh, we're gonna get
YouTube up next hour. No promises, but I'm hoping we
can now listen here. I gotta go back to Lauren,
so Sue is gonna send us that contract. We're gonna
look at it, see if there's any outs. We're gonna

(31:42):
try to figure out what to do for the eighty
four year old woman that, according to Sue was kind
of okey doked into buying new windows, but she did
sign the agreement. We got to figure out if there's
any clause in there with HOA or anything else. See
af there's any outs, But if not, then we'll come
up with a plan. Now, Lauren, I looked over your
real estate. Now this is not I'm going to send

(32:04):
this off to a couple people, to eyeball as well.
Number one, I'm going to send it to Frank Duran
because he's very familiar with this contract. He deals with
it every day. And then we're going to probably get
on Brad O'Brien. But number one, that earnest money is
not due till the third. You realize if he comes up,
how much is the earnest money? And for people just

(32:25):
joining us. Basically, according to Lauren, some scammer or some
person that isn't exactly straight up made her an offer
on her house and was supposed to give her earnest
money and has not given it. But looking at this contract,
it to do November third. Yeah, but that's.

Speaker 4 (32:45):
Also there's a whole lot. The point is that with
the four close rock you're not supposed to be misleading
anyone in these situations.

Speaker 3 (32:52):
Well, and I get that, and Dimitri actually brought that up,
and he's been looking at that part, but you know,
you do have some others. But do you think he's
going to deliver the money by the third.

Speaker 4 (33:05):
Well, knowing now that I got ripped off, I hope not.

Speaker 3 (33:09):
Well, you know, what do you mean you got ripped off?
You mean because of the sale price?

Speaker 4 (33:15):
The sale price different because he told me that he
would be the only one that would be able.

Speaker 15 (33:19):
To give me that amount.

Speaker 4 (33:20):
I just was bamboozled. I'm not very savvy on contracts
with real estate, obviously, I don't know do this on
a daily and it was just like one of those
things where I was bamboozled.

Speaker 3 (33:33):
So you think the house is worth three hundred, this
guy's basically buying it for one hundred and sixty five.

Speaker 4 (33:42):
Yeah, okay, but go ahead, Oh no, go ahead.

Speaker 3 (33:47):
Well you signed Listen, you signed the contract. So and
I'm going to start telling people reality sometimes. So the
reality is this, you signed it, you agreed to it.
Whether or not he bamboozled you would be up to
a court to decide. But you know, there's probably other
options to get you out of it. Do you think

(34:07):
for one, he can come up with the earnest money
by the third, Yeah, I'm not sure. All right, here's
what we want to do. We want to figure out
how to get you out of it. I understand you
don't like the guy, you feel like he ripped you off,
but none of that matters. What matters is what can
we do to get you out of this? And that's
what we're going to focus on right after this break.

(34:29):
So Suzanne, let's get this over to our attorney, Brad O'Brien,
and more importantly, I want Frank Durand to take a
look at it first. And Dimitri has been doing some
research as well. Everybody hold tight. Walter's got a problem
with identity fraud, and hopefully I get that contract by
renewal by Anderson.

Speaker 7 (34:49):
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 all three seven
seven to one. Help You'll think you're his only customer

(35:11):
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, ripped of.

Speaker 14 (35:26):
News.

Speaker 4 (35:29):
You don't have.

Speaker 1 (35:32):
Come run anxious stas as we can show, Shooter's gonna
help come.

Speaker 2 (35:39):
This is the Troubleshooter Show. No, Tom Martinez welt the welcome.

Speaker 3 (35:44):
My friends to the only show of its kind. We
are here to help. We're here to recoup money. We're
here to get you through bad situations. We're here to
get attorneys on to give you legal advice. We are
here for you. Our goal in life is to get
bad money. In fact, I want to talk about Lauren
real quick. We have one line open three zho three

(36:04):
seven one three eight two five five three zero three Martino.
I promise Sue, I got your agreement. I'll be looking
at that over the next break, so we can call
you back, or you can hang tight, whatever you want
to do. Then, Walter, you're going to be coming up
real quick too with an identity fraud issue. We're going
to figure out where he's going with this. But right
now I want to tell everybody this Frank Duran, the

(36:27):
real estate man, one of the best real estate agents
I have ever met in my life. In fact, I
wish Lauren would use Frank. In fact, we're going to
have Frank on about this call. But I want everybody
to know how much he has helped Suzanne and I
and I mean this. He got us more for our
model home in Red Hawk Castle, Rock, Colorado, than any

(36:50):
other model sold for at the time. Of course, he
got us more than that same model sold for anywhere.
He's got the secret sauce. In fact, he sells more
home for more money. Listen to this in one month
than most realators in the state sell in a year.
That speaks for itself. Now, Lauren, I've got some pretty

(37:13):
good news. I'm not giving you legal advice, but we're
gonna have Brad O'Brien on that can give you legal advice.
To me, this guy, you can probably get out of
this contract. Now. The reason I say that is, in
my opinion, this is deceptive. Okay, it's a deceptive practice

(37:35):
by this guy. I'm not going to say who this
guy is it's in here or his LLC is, But
the bottom line is the CFPA and that are a
set of rules that in the state of Colorado, if
you are entering into a negotiation with someone that's in
distress and facing foreclosure like you are, there's a lot

(37:57):
of different disclosures they have to do. One of them
is a seller warning of equity skimming and that is
Form SWF thirty. So my question to you, Lauren, is
do you have a document like that? No, sir, so
you do not, because this looks more of a standard
buy and sell. And what that document is is basically

(38:21):
you understand that they're taking a hell of a lot
more money than they should be. In other words, you
basically acknowledge in writing and generally in front of a
notary that you're getting taken advantage of, which most people
aren't going to do.

Speaker 4 (38:35):
So, yeah, it's.

Speaker 3 (38:39):
Well, the exact what I'm looking for is SWF thirty
and it's a homeowner warning notice. You should also have
a right to cancel, which is Form HWN six five.
I mean, there's all kinds of things this guy should
have done, and I don't know if you did or not.
Did you send me all the paperwork you agreed to

(39:00):
a lot of times they'll send you stuff over in
the docu sign and you'll sign away. I don't know
if you've sent me any of that stuff.

Speaker 4 (39:07):
That's so that's what I sent everything over from.

Speaker 7 (39:10):
What I got.

Speaker 3 (39:10):
Okay, so that's everything that you know of that you
have signed. Yeah, you also have a Rule one twenty
hearing defense. That's you know, if it actually went to foreclosure.
But to me, this sounds very deceptive, and I'll tell
you why. Because if your house the math I did
on your house, it's worth about two hundred and ninety

(39:30):
five thousand. I don't know the condition of it, but
it's worth about two hundred and ninety five thousand. If
it's a normal condition. He's offering you one hundred and
sixty five. That is not good. In fact, I find
it unconscionable. Once again, my opinion, not a legal opinion.
But we're gonna have two people come on very soon.
We're gonna have Frank Durant Suzanne. Let's get Frank on first.

Speaker 5 (39:53):
Frank is reviewing her document and said he would call
in as soon as he's reviewed it.

Speaker 3 (39:57):
So here soon, Mark, Okay, that's great. And then Brad
O'Brien I have been emailing back and forth. We're going
to have him finish up with her, because she might
need to engage with him. But Dimitri, what have you
read on this?

Speaker 11 (40:10):
Well, you know, Mark, I was scanning the contract for
what would appear to me to be technical flaws with
it that could be used to chip away at its standing,
and the one thing that occurred to me was closing
date and earnest money dates. So closing date is listening
on or before October thirtieth.

Speaker 3 (40:29):
Yeah, but there's an extension in there for like just
the earnest money is actually not due till the third Yeah.

Speaker 11 (40:34):
How can the earnest money be due after the closing?

Speaker 3 (40:37):
Well, it's just what the agreement reads. I mean, how
whether that can hold up? I have no idea. But
what I'm saying is the earnest money is not even due.
Let me see the latest closing date. I kind of
have it up here too. What are you showing the
close up?

Speaker 11 (40:55):
I don't have a closing date scheduled in the contract.
At least that must be some other document that Lauren
is looking at. Laren, has the closing been scheduled yet?

Speaker 3 (41:04):
Let's see. Now I'm showing listen, guys, I'm showing November third,
twenty twenty five. There's no time, but that's uh, that's
basically where it is. And item number thirty nine Reference
twelve event closing date honor before eleven three, twenty twenty five,
which of course hasn't come yet. So that I don't

(41:25):
see is an issue there. You know, I don't know
what part you're looking at, Temitri, but that's definitely in there.

Speaker 11 (41:31):
I'm wondering if I'm looking at a different contract.

Speaker 12 (41:34):
No, I think you're right.

Speaker 4 (41:36):
People have said that about the earnest money, that it's
not it shouldn't be do on the same day as
the closing.

Speaker 3 (41:42):
It doesn't matter if it's see. I don't know if
that's right or not. In fact, I, Lauren, I would
argue with you if I wanted to sell you my
house and we had an agreement saying the earnest money
is due on the closing date. I personally see no
problem with that. That has nothing to do with it.
Once again, I don't want you barking up the wrong tree.
I want to figure out how to get you out

(42:03):
of this. That simple as that. So that's what we're
going to focus on. Let me get you on hold
as soon as we have Frank duran up. He's the
first one I want to visit on this. But I'm
telling you, from everything I'm looking at in this agreement,
closing date or dates of deadlines is honor before eleven three,
and that's when the money's got to basically show up.

(42:24):
But I do think there's a lot of outs to
this based upon predatory tactics that I believe, my opinion,
this company is doing, or this individual for that matter.
Hey Walter, what's going on with you?

Speaker 13 (42:39):
Uh? Yeah, I got a message my answer machine or
what not? About?

Speaker 3 (42:46):
Hey Walter, do you actually have an old school answering
machine or you mean like your voicemail?

Speaker 8 (42:52):
Yeah?

Speaker 13 (42:52):
No, I got a I'm a dinosaur.

Speaker 3 (42:55):
No, I'm so curious. So does it have a cassette tape?
How does it work?

Speaker 13 (43:00):
No, it's just a much size of a bar of
soap or whatever.

Speaker 3 (43:05):
Wow, that's interesting. What did the message say?

Speaker 13 (43:09):
I'll play it back for you. Listen.

Speaker 3 (43:11):
Is there any cuss words in its?

Speaker 16 (43:15):
One?

Speaker 3 (43:19):
Hold on dragon? How long is it? Walter? He thinks
for Hey Walter, we're gonna have to wait. We've just
got to make sure there's nothing there. We don't know
what he's gonna play so I really do want to
do this, Susan. Once Walter comes back, I'll put him
on hold. Let's have you guys. If you guys can
listen to it, then Dragon hopefully we can play it

(43:39):
and then we'll go from there. I have no idea
what it says, what he's playing. It is kind of
odd a guy with an answering machine, an answering machine
calls up and wants to play us a message. I'm
dying to know what it is. Everybody holds tight.

Speaker 7 (44:00):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 1 (44:04):
You don't pay a cent until you're.

Speaker 7 (44:05):
Contenth 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 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

(44:27):
three nine two zero sixteen twenty two.

Speaker 3 (44:39):
Alright, three oh three seven one three eight two five
five three zero three. Martinomann, we have a Laco and Suzanne,
we had that older gentleman call up. Someone left him
a message on his answering machine. Did you listen to it?

Speaker 6 (44:55):
I did, and he's back on line three, just so
you know.

Speaker 3 (44:58):
Can we listen to it on air?

Speaker 5 (45:00):
Yeah, it's it's an automated it's an automated human nas.

Speaker 3 (45:04):
Okay, and let me tell let me tell everybody why
this is a big deal. And I'll just this is
good education for everybody, you know, a two party conversation,
at least in the state of Colorado, and frankly a
lot of states. I can if me and Dragon have
a conversation and I record it, and I don't care
what we're talking about, I can play it to anybody
else because I was privy and one of two parties

(45:28):
in that conversation. But what this guy Walter wanted to do,
and we're going to allow him to do it now,
And the reason we had to listen to it. If
that was a third party, that person is not consented.
So in my first example with Dragon and myself, even
if he doesn't consent, because we are a two party
consent state, he automatically consents. Simple as that. Now, let's

(45:53):
go Walter, go ahead and play that now. That we
can listen to it.

Speaker 4 (45:59):
Walter one, Well, it's one back, It's Wednesday, and I'm
calling about your pre qualified thirty six thousand dollars personal
loan offer.

Speaker 16 (46:09):
This is the final week to take advantage and expires
in three days. Please call me back at seven one
four five zero two five nine eight seven with reference
code LS four one one. Again, that's seven one four
five zero two five nine eight seven.

Speaker 3 (46:30):
You my god, what kind of phone number was that? Hey, Walter? Yeah,
so what okay? So it's the solicitation for a loan?

Speaker 13 (46:40):
Yeah, I mean, are.

Speaker 3 (46:42):
You looking for a loan? No? Okay? So someone on the.

Speaker 13 (46:46):
Area code on that seven one four in Los Angeles.

Speaker 3 (46:50):
Yeah, someone just got your number. It's not a big deal.
It's just a solicitation. Don't call them back. Don't worry
about it. Why does it have you in a fret?

Speaker 13 (47:00):
Well, I'm I don't. I don't make I pay cash.
Whatn't I've never had a credit card and I don't
none of this stuff.

Speaker 3 (47:07):
Yeah. All they all they want to do is they're
looking for people that want to borrow money. I mean,
if you don't borrow money, there's no reason for you
to contact them. And even if you were looking for
a loan, I would tell you never never use someone
that left you a message like that. I tell you
to go to your bank.

Speaker 13 (47:24):
Well, I'm just thinking of called back or whatever because
they left uh uh.

Speaker 3 (47:30):
I don't think it's I don't think it's necessarily nefarious.
What I think, and it's just my opinion is it's
a company that does somewhat of high risk easy loans
and they're just trying to make money, that's all. I
don't think it's anything directed really towards you. I think
that same call goes out to a million people. Mark

(47:52):
all that all I heard.

Speaker 13 (47:53):
I'm just I'm just worried if I respond to what's no?

Speaker 3 (47:56):
Why don't respond? Why would you respond?

Speaker 13 (48:00):
Well, that's what I'm saying. I got to check with
you guys. They're the experts.

Speaker 14 (48:03):
One.

Speaker 3 (48:03):
Well, Walter, I wouldn't but you're not looking to borrow money?
Is that correct?

Speaker 13 (48:08):
No?

Speaker 3 (48:08):
Then I wouldn't respond to that. If someone left a
message saying, hey, we would like you to call back
because we want to install windows and doors at your house,
would you call them back?

Speaker 14 (48:22):
Now?

Speaker 3 (48:22):
Yeah, that's what I'm saying. It's the same thing. All
this is is a cold call.

Speaker 13 (48:27):
Hearing this thing about the three day cancelation and one
not whatnot, And I just thought, maybe you guys have
a number and see what they're trying to pull.

Speaker 3 (48:37):
Yeah, I don't think they're trying to pull anything. I
think they're simply looking for customers to borrow money. So
I definitely wouldn't call them back. Walter. I do appreciate
you calling in though, And Suzanne, make sure he knows
off air if he ever has any questions he can
reach out to us. I don't even know if he
knows the email. Just figure a way he can get

(48:57):
through to us. Maybe the three h three are Tino
instead of give him the actual numbers, because he might
have a lot of questions in the future based upon that.
And I don't want to see this guy getting taken.
Although Mtrial say this, I don't think he would get taken.
I don't know why you'd call back there. That kind
of confused me.

Speaker 11 (49:16):
Well, it sounds to me like he thinks there's an
actual loan process in progress something. That's what That's how
they made it safe.

Speaker 3 (49:23):
It was justice solicited.

Speaker 11 (49:24):
They left thousands of those voicemails that day. They're just
cold calling around, all right.

Speaker 3 (49:28):
Frank Duran the real estate man. First of all, Frank,
I appreciate you coming on. He is our expert when
it comes to real estate, especially buying and selling homes.
That's what he does. Frank, you looked at this. Let
me give you kind of the I don't know how
much of the show you've been listening to, but Lauren
called in. She entered into that agreement with an LLC
that looks like, in my opinion, our scumbacks. I'll just

(49:50):
say it. And the reason I say that is the
sale price appears to be one hundred and sixty five thousand.
From all the information I get. If that home is
in normal order, it's worth about two hundred and ninety
five three hundred thousand. So the fact they're offering her
about half the price is crazy. In fact, I find
it predatory. And she's up against forclosure, Frank, because she

(50:14):
hasn't made a payment on her house for a long
long time. So what do you see in that agreement?
Shed some light on it, sir.

Speaker 17 (50:23):
Mark, Good morning. You know, actually you hit the nail
on the head. I did some research on that area
and I found that the average price is somewhere between
two eighty to three ten, so one sixty five scenes
extremely low. I do have a question. I was not
I did not see this anywhere, and I looked to
the top to bottom of the contract. I did not
see where the person that wrote the offer. It looks
to me as just an investor by any chance, or

(50:44):
the licensed real estate agent of the state of Call.

Speaker 3 (50:45):
Rather that we're aware of now that I don't know.
That's a very good question. The other thing is, and
I found out Dmitri and I were looking at something
and he couldn't find it. And now I understand why
I'm seeing it differently. So where it states honor before
ten thirty twenty twenty five on page three? In other words,

(51:06):
we're talking about the closing the earnest money. Do you
see that in there? Frank, I do, Mark, and you
know that.

Speaker 6 (51:12):
You know.

Speaker 17 (51:13):
Look, I'm not obviously not given legal advice, but I
could do better than that than I get. But I
would say this, that's pretty vague. Usually you give a
definitive date, you say closing on this date. Because when
you say honor.

Speaker 3 (51:21):
Before, yes, but but but look what is before? But
even even worse, it says this deadline is noted as
waived by the buyer.

Speaker 17 (51:33):
Yes. In fact, I'll tell you something. It's towards the
back as well, where they say that you say, seller
may cancel this contract for the sale of your house
property without any peni or obligation, anytime before October third.

Speaker 3 (51:44):
Yes, but it says she waves that the deadline is
noted is waived by buyer, indicating it may not be
actively enforced unless otherwise relevant. I think we're going to
have to get Brad O'Brien to and Mark Alls.

Speaker 17 (52:00):
So there's also a mandatory disclosure to sellers. Now the
reason I'm asking if they're licensed agents, we must give
them information on the Foreclosure Preventive hotline. So when people
contact me and say, Frank, I'm in trouble, I'm behind
on payments, what can I do? That's the first thing
I do is I give him that number they have
to with them. Yeah, they need to do that. So
that's a big question right there. But ultimately Mark, I agree.

(52:21):
I've looked at the sales history of that area one
sixty five.

Speaker 3 (52:25):
In my opinion, it's crazy.

Speaker 17 (52:26):
It's practically given that house away.

Speaker 3 (52:28):
Hey, Lauren, now that I have Frank on. We're also
going to get the attorney on your end goal though,
is just to get as much as you can for
this house and get out of it, because no matter what,
you can't come up with the money to get square
with your lender.

Speaker 4 (52:42):
Exactly. Go ahead, Yeah, that's exactly it. And he is
not licensed. I did check that already, by the way.

Speaker 3 (52:49):
So if he's not licensed, Frank, what does that mean.

Speaker 17 (52:54):
Well, what it means is you have an investor making
an offer on the property. But ultimately here you know,
honestly that I think that's where Brad can chime in
because honestly, this comes across and again this is just
my opinion predatorial advice, but yes, very very much so, Mark.
And you know, we get a number of these types
of offers when we list homes. We see investors and

(53:14):
those types of things try to do these things, and
I always warn my sellers don't fall for that. If
anything else, you're open up a can of worms and
you do that.

Speaker 3 (53:21):
Yeah, and it's crazy. It says basically the investor scrutiny
one ten. That's who it is. Yeah, basically I'm not
sure if I'm reading this information right, but the ag
might actually list these people as predatory. Once again, I'm

(53:42):
kind of skimming this mark. Yeah, I'm still not clear
and why.

Speaker 11 (53:48):
Frank Duran asked if the guy signing this contract on
behalf of the buying entity was a licensed th real
estate agent.

Speaker 17 (53:55):
Well, I'll tell you is this is that? Dimitri? Yes,
it is Dimitri. Because you know, look, agents must provide
fair and honest dealings to all parties, fair and honest dealings.
And part of our obligation here is if a person,
let's say they're in default or they're behind for whatever reason,
we must give them that fair information upfront so they
have a chance to try to save their property. And

(54:17):
there's a document we send to them up front. So
that's very important if they are licensed.

Speaker 11 (54:22):
Okay, so it doesn't necessarily invalidate the contract if the
guy signed it as not a license through estate agent, and.

Speaker 17 (54:30):
That that's where an attorney's going to need to chime in,
my friend, But I will say this, if he has licensed,
that is a big no no in this business because
you must get fair and honest dealings.

Speaker 11 (54:40):
And Frank, the second and final question I have for
you is this, how can the earnest money the deadline
be after the closing deadline.

Speaker 17 (54:48):
I thought I noticed that too. Yeah, and it really
shouldn't be. Typically that's going to be well before within
three days, so that is a little bit out of
the ordinary too.

Speaker 3 (54:58):
But once again, that's going to come down to more
of a legal opinion if that voids the contract with Brian.

Speaker 11 (55:03):
Like, that's what I'm looking for.

Speaker 3 (55:04):
I mean, I'm looking for a common sensus. It's stupid.

Speaker 11 (55:07):
Yeah, I'm looking for too. Well, there's no question about that.
I'm wondering if it's enough to avoid the contract.

Speaker 3 (55:11):
I think this clown. Once again, this is my opinion.
I think this clown tried to rip her off. Just
looking at the price, there's no other conclusion to come to.

Speaker 11 (55:20):
I have the same opinion. Now, Chris pointed out something
he looked up the foreclosure auction on if you find Chris,
what'd you find?

Speaker 4 (55:27):
Chris?

Speaker 18 (55:27):
Yeah, so it's the sale is ten to thirty so
next Thursday, So there's like a week left before this
goes to auction and list for the four clusion.

Speaker 3 (55:36):
You know what. I want to bring that up with
Frank real quick, Frank, if you got involved now, if
we get Brad O'Brien on and Brad O'Brien is confident
this contract is all poop pood. What can you do
for her at this point? Because I didn't realize this
till Chris said it. There's actually a sale or an
auction pending when uh October thirtieth, so next Thursday. So

(55:58):
what can we do? I mean, even even if we
have to file a I don't know, maybe even a
bankruptcy in her behalf or something, what can be done
with the date coming up so quick? So she doesn't
get screwed on this deal?

Speaker 17 (56:12):
Mark all of the above. This is what I would do.

Speaker 4 (56:14):
I have.

Speaker 17 (56:14):
In fact, i'll give you those numbers right now if
you like them. They're the foreclosure up.

Speaker 3 (56:18):
No, no, no, I want you to deal with Lauren.
Here's what we're gonna do. I really want to put
this together. This woman's about to get screwed. We're we're
on a timeline now, that's crazy. It's coming up so
fast and we're not even talking about the predatory jerk off.
What we're talking about is she's in foreclosure. So here's
what I want, Lauren. I want you to reach out

(56:39):
to Frank, but you're gonna hold till we get Brad
O'Brien on, you gotta get with Frank. He's got to
be able to come up. How much do you think
you can get for this house, Frank? If everything goes right,
if everything goes normal, instead of one hundred and sixty
five thousand dollars she sells it for, what do you
think she can get? Honestly?

Speaker 17 (56:58):
Mark, as long as the home's not a horrible condition realistically.

Speaker 3 (57:02):
Lauren, what kind of conditions it in? Don't be asked me?
None of it matters. Now what does it look like?

Speaker 8 (57:07):
Well?

Speaker 3 (57:08):
This is all I need him to do.

Speaker 4 (57:09):
Is all I need to do? Is he needs to
drop it. I have a legitimate person that's like one
I would say, is there too?

Speaker 13 (57:17):
You know?

Speaker 4 (57:18):
Quote not all the way to what kind of Lauren?

Speaker 3 (57:22):
Hold on?

Speaker 11 (57:22):
What kind of condition is your home in? Is it
trashed out? Is it average lived in condition? Or is
it wonderful?

Speaker 19 (57:27):
I let's say it's.

Speaker 4 (57:28):
Lived in because it's I've had it for twenty years.

Speaker 11 (57:30):
Okay, it's not threshed out, that's normal lived in conditions.

Speaker 3 (57:34):
And what area is it in? Well, Frank already knows. Frank,
what could you eyeball that?

Speaker 17 (57:39):
I can tell you right now realistically, as long as
there's no major issues, I'd say two eighty.

Speaker 3 (57:43):
Or above, Mark, okay, without croud.

Speaker 17 (57:45):
History of the last six months of sales over there.
I'm looking at everything on the market right now.

Speaker 3 (57:49):
And then real quick, area, I got a hold on note,
real quick, Lauren, what do you o w on it?
To the bank?

Speaker 4 (57:56):
Total like payoff would be.

Speaker 3 (57:58):
Like ninety's all the fees, attorneys, everything.

Speaker 4 (58:05):
Let's say one hundred to be safe.

Speaker 3 (58:06):
Okay, So one hundred there and that's it. That pays
off the loan and you would be free and clear.

Speaker 4 (58:13):
Well, there's a lien on it for the HOA, but
that's neither here.

Speaker 3 (58:16):
How much well, how much is a lien on there? Yes,
there is something to be said about that. How much
is a lien the lean?

Speaker 4 (58:23):
It was about twenty thousand.

Speaker 3 (58:26):
So I mean that could be up thirty forty, but
still that's one forty. Go ahead, Mark, Yeah, Mark?

Speaker 17 (58:31):
With that HOA lean though in Colorado, HIA has super
lean priority. So here's the guy. I know, Lauren, if
you know this, and I don't know if you know
this or not, how delinquent is that HOA lean against
your property?

Speaker 1 (58:42):
Right now?

Speaker 17 (58:42):
Is it six months?

Speaker 15 (58:43):
Or more?

Speaker 17 (58:43):
Is it six months? Because once it's six months. Even
if you're just a couple of months behind, once they
starts tacking on penalties. If it adds up to six months,
that still counts as six months behind.

Speaker 3 (58:53):
She's over a year.

Speaker 4 (58:54):
I'm not sure I have to. There's been so much
information I'll get it.

Speaker 17 (59:00):
Has the ha Binty Chance sent you any foreclosure notices
that the hoa's for closing?

Speaker 4 (59:06):
No, No, I have all the payoffs and then know
somewhere in my in all the paperwork, I've gotten all right, So.

Speaker 3 (59:11):
Hold on, hold on, let me do this, let me
get her back on hold Frank, here's what I want
to do. We got to help this woman no matter what.
Let's just say everything adds up to one hundred and fifty.
If you can still sell that house for two to
eighty or whatever, she is so much better off. If
she sells it for one sixty five. She might end
up with fifteen thousand dollars if she's lucky, if she

(59:33):
sold it to this guy. So I want to get
Brad O'Brien on to get his opinion on the contract.
We're gonna do that right after the break. Then you
need to contact her. I'm gonna Frank, We're gonna get
you her number. You need to call her up. You
need to get involved. You need to get this house
up and sold for and figure out whatever we got
to do to stop the auction coming up so she

(59:55):
actually gets a fair amount for her house. Are we
on the same page, sir.

Speaker 17 (01:00:00):
Hey man, we're on it. Just let's get the number.

Speaker 3 (01:00:02):
Let's get it going, Okay, hold on, Hold on, Frank
durand the real estate man. This is why I talk
about Frank almost every single time I'm on the ear.
This man will give you the shirt off his back
to help you. He is the real deal and he's
the best realtor out there. You get them both, Frank
Duran homes dot com. Now, everybody, please hold tight. I'm

(01:00:22):
running back. We're gonna get this figured out for Lauren.
And let's get up our attorney, Brad O'Brien. Then we're
gonna move on. Brad. Hold tight.

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Speaker 3 (01:01:01):
Home with Remax Alliance three.

Speaker 7 (01:01:03):
Oh three nine two zero sixteen twenty two.

Speaker 3 (01:01:08):
All right three three seven one three eight two five five.
Attorney Brad O'Brien O'Brien Legal Services, Brad, I sent you
over that contract. This woman, Lauren's in a world of hurt.
To me, the Colorado Foreclosure Protection Actor the CFPA should
come into play here. You've read the contract. What is
your opinion? This guy's trying to buy it for one

(01:01:29):
hundred and sixty five thousand. He hasn't transferred an he
earned his money. We've got a sale coming up, a
foreclosure auction coming up. What should she do?

Speaker 8 (01:01:40):
Well?

Speaker 19 (01:01:41):
I like I have is whether these three required disclosures
that go along with this contract were actually given by
the buyer to the summer.

Speaker 3 (01:01:50):
She is saying everything she signed, Lauren, I'm going to
ask you again, let me lack brad in Lauren, everything
you have signed or have is is in the email
you sent. Are you sure about that? Well, according to her, Brad,
that's it. What I sent you is all there is,

(01:02:10):
and I saw those same things. There was two or
three things in there that the CFPA says basically has
to be signed. Tell us what those items are in general?

Speaker 19 (01:02:22):
Well, if this is a buyout from a property that's
about to go into foreclosure, and the buyer is an investor,
then the Colorado Colorado Foreclosure Protection Act applies, and that
requires you to use a specific version of the standard
real estate contract form from Colorado. And if you use
that contract form, you also have to provide three separate

(01:02:42):
disclosure forms that go along with it. And if you
don't provide those three disclosure forms, then I believe that
the contract is on void. So that might be an
out if you even get those disclosures.

Speaker 3 (01:02:54):
So she filed or I'm sorry, Lauren, you said he
filed something with the court. What did file? What do
you know about that?

Speaker 4 (01:03:03):
When he filed the contract itself? Because I was going
with another a person that wasn't I felt wasn't taking
advantage of me, and he stops the sale completely.

Speaker 7 (01:03:15):
So.

Speaker 19 (01:03:17):
That's that wasn't filing with the court. That sounds like
they've recorded the contract or memorandum of the contract with
the county Clerk and recorder.

Speaker 4 (01:03:23):
Right, Yes, that sounds right.

Speaker 3 (01:03:25):
Sorry, Now what would be curious is that copy if
that copy would have the disclosures, which it should if
they did have them done, right Brad.

Speaker 19 (01:03:36):
Not necessarily the disclosures are not part of the contract themselves.

Speaker 13 (01:03:39):
Got it tells about they do have to get.

Speaker 19 (01:03:41):
Provided at the same time as the contract. I've not
yet seen any of those three disclosure forms provided separately.

Speaker 3 (01:03:48):
So I don't know what to I mean, I don't
know what to tell Lauren at this point. What does
she do? Once again, here's the here's the bottom line.
She has a foreclosure coming up. When Chris, when is that?
It's on the thirtieth, so October. It looks like, you know,
seven days from now. She's got the real foreclosure in
her face. Would a bankruptcy stop that while everything else

(01:04:10):
is sorted through? What does this poor woman do? This guy,
in my opinion, is about to rip her off by
about one hundred and fifty thousand dollars.

Speaker 19 (01:04:20):
Well, I'm not of a bankruptcy attorney, but I have
seen that people use a bankruptcy filing to pause tentporarily
a foreclosure of their property. That buys you some time,
but you still have to either go through with it,
or if you withdraw that bankruptcy, then their foreclosure of condition.

Speaker 3 (01:04:39):
To that point, that's fine. But if that buys time,
what's the second step. Let's say that'll buy your time.
She's only got seven days, so we'll get Mike wink
On and if that buys her time, go ahead, Susanay, Mark.

Speaker 6 (01:04:50):
Just I'm throwing this out there.

Speaker 5 (01:04:51):
I've been busy on phones, but I had to call her, Larry, say,
what about a reverse mortgage for just wondering if that
would work at all?

Speaker 3 (01:04:57):
She's in foreclosure. Absolutely not, No one would under ten cents, Larry.
I mean literally, she's in foreclosure. She hasn't made a
payment for a year. No one's going to lend her
a nickel. That's just the way it is right now.
So but but Brad, how do we force how do
we find out whether or not he can force her
to sell under that contract?

Speaker 19 (01:05:20):
Yeah, well, Mark, going back to your previous question that
didn't answered. So this is this buyout contract is separate
from the underlying problem of this property.

Speaker 13 (01:05:30):
Is in foreclosure.

Speaker 19 (01:05:31):
Yes, So without this contract, is your color going to
be able to cure the the the foreclosure or somehow
get it out of foreclosure. Yes, from Frank, there is
a buyer contract.

Speaker 3 (01:05:42):
Yes, So we have a real estate agent. You probably
know Frank to Ran, the real estate man. He's going
to get involved instantly and he can get his property
sold very quickly for a fair price. So that is
how she is going to ultimately cure the first deed.

Speaker 19 (01:06:00):
Okay, So getting to your next question, what can you
know is this enforceable? I would presume that this contract
is enforceable a part in that issue of where the
disclosures were probably given. I mean, this is a signed contract,
it's not you know, it's for a substantial amount of
money for the one hundred and twenty and sixty.

Speaker 3 (01:06:19):
Five that's half the price of the value of the home. Though.

Speaker 14 (01:06:23):
Okay, well that's not for se unconscionable.

Speaker 3 (01:06:25):
Oh my god, what is unconscionable in the eyes of
the law.

Speaker 19 (01:06:28):
Then that's that is a question of fact for a judge, okayurie,
not for me right now. It just depends on the
facts of the of the case. You know, perhaps ten
dollars is unconscionable, that probably is unconscionable. That's essentially nothing
for a property worth a couple hundred thousand.

Speaker 3 (01:06:45):
Then let me ask you what good is this CFPA for?
For honest to God, what good is it? What good
is it?

Speaker 19 (01:06:51):
Well, it regulates equity investors, equity buyers, and it regulates
these foreclosure consultants who purport to help people get out
of foreclosure and requires them to provide these disclosure forms.
And it also has a three date ride of recision
that otherwise would't apply. So it's there's good stuff to
protect the consumer.

Speaker 3 (01:07:12):
Well, okay, and here's the deal, though, I don't see
NCF thirty four. When does he have to actually show these?
When can she demand to see if she was actually
signed HWN sixty five, the notice of cancelation, the self warning,
the homeowner warning notice, Like, how does he show that?

Speaker 19 (01:07:34):
Well, have to be given at the same time that
the proposed contract is given. That's just a question of
whether they're or not.

Speaker 3 (01:07:43):
Well, that's what I'm saying, brat. If she's saying, she
is saying not. If she's saying she's saying, I was
never given any of that everything I was ever given
is right here, and apparently it's not here because I
don't see it, you don't see it.

Speaker 19 (01:07:55):
So now what to contact? The buyer asked a lot
of copies of these disclosure forms that we're given in
which she may have signed.

Speaker 3 (01:08:03):
And then what ends if he says no, Well.

Speaker 19 (01:08:08):
And you if you reveal with an attorney whether you
have a good case for trying to get out of
this contract, which I don't want to position right now.

Speaker 13 (01:08:18):
To advise on.

Speaker 3 (01:08:20):
Yeah, I get you, and I don't expect it in
twenty minutes looking at the contract, I understand that, but
she's got seven days. So once again, what I'm trying
to do is put a game plan together for this
poor woman. So if I get an attorney involved, a
bankruptcy attorney, and that can definitely buy your time. Meantime,
Frank Duran is trying to figure out how to get
this sold. I still come back to the same issue.

(01:08:43):
What do we do with this piece of crap that
I'm going to refer to him as that offered one
hundred and sixty five thousand on a house it's worth
three hundred? What do we do with this contract? How
do we find out if it's valid or not. Does
she come and visit you? What do we need to
do it this point for that part of it, Well, the.

Speaker 19 (01:09:07):
Lack of disclosures, if that's the case, is black and white,
and that might maybe a good reason to just give
a notice of termination because of the defect of having
failed to give those disclosures. If that doesn't apply, then
you have to go to whether this is unconscionable. Only
a court or finder a faction. Yeah, decide if it
is unconscionable.

Speaker 3 (01:09:27):
You know, in Colorado it's like almost impossible to evict somebody. Hell,
they make you renew a lease. If they're not going
to say this is unconscionable, they're just crazy. I mean,
I don't know what else could be. It's half the price,
my god, it is literally half the price. Brad hold
on if he can hold or we can call him back.
But I have to take this break. Honest to god,

(01:09:48):
this one's driving me crazy. Let's get Mike wink.

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(01:10:15):
customer when you choose Frank durand the real estate man
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Speaker 3 (01:10:31):
D news who you don't have come.

Speaker 1 (01:10:36):
Run ins as fast as we can.

Speaker 11 (01:10:40):
Shooter's gonna help coming man.

Speaker 2 (01:10:43):
This is the Troubleshooter Show Now, Tom Martinez, welcome.

Speaker 3 (01:10:48):
My friends to the only show of it's kind. We're
here to solve problems, answer questions, take complaints. I feel
like I've been beating a dead horse for listeners out there,
but here's the bottom line. I don't care right now.
Lauren is in a horrible situation, and if you've been
following along with the show, she's been most of it.
But this guy's trying to buy her house for one

(01:11:11):
hundred and sixty five thousand dollars. In my opinion, it's predatory.
She's got an auction date coming up of when Chris
by the way, Chris Console joins me. He's the owner
of discount bath dot com. Good friend of the show
and Deputy Dmitri Suzanne Dragon Royle here Chris one is
the auction October thirtieth. So October thirtieth, there's an auction.

(01:11:32):
She's under foreclosure. Meantime, somehow she hooked up with this
person and I'm using that term very loosely, And this
guy has a contract with her to enter into to
buy the house for one hundred and sixty five thousand.
The house is worth three hundred arguably, so to me
it's predatory. But I'm not an attorney. We have our

(01:11:56):
attorneys somewhat involved looking at this. He was supposed to
get give her some disclosures when she entered into this contract.
We do not see him anywhere attached to the contract.
So whether or not she's got the disclosures, I don't know,
Nor do I know how you would argue that that
would pretty much void the contract right there if he

(01:12:16):
acknowledges he never gave her the disclosures. But I have
no idea what this guy's going to do. Remember, he's
the same guy that's trying to steal her house. In
my opinion, now, I wanted to bring up another attorney
Mike Wake. First of all, Hey Mike, I appreciate you
coming on. How are you doing, man.

Speaker 8 (01:12:32):
I'm doing good. Thanks Mark. My pleasure to be on this.

Speaker 3 (01:12:35):
One is driving me insaying this woman got herself into
a bind and we've got to buy time. Right now.
I have a real estate attorney that's looking at the
contract to figure out if she can get out of
this buy and sell. She hasn't made payments on her house,
for my goodness, I would say over a year, but

(01:12:56):
she has a lot of equity in it. She owes
to the bank roughly one hundred thousand. It looks like
there's probably an hoa super lean on there that could
be up around forty. So let's say one hundred and
forty thousand with attorney's fees and foreclosure fees and everything
else in order for her to get out of this.
But the house is worth three hundred, so I mean

(01:13:16):
she should be able to walk away with one hundred
and fifty thousand in her pocket. Right now. We're trying
to buy time. That's why you're on in the position
she's in, and I'm going to bring her up for
any questions that you have. Oh well, I thought of
one question I never thought to ask her. Mike, let
me ask her this first, Lauren, have you done a
bankruptcy before? And if so, when.

Speaker 4 (01:13:38):
It's been longer than seven years?

Speaker 3 (01:13:40):
Okay, Mike wink, knowing what you know, and ask any
questions to Lauren you need. If you filed a bankruptcy
for now, where does that put her? Yeah?

Speaker 8 (01:13:52):
I think we can add a lot of value here,
and I think bankruptcy can add a lot of value
for her. So this type of situation, I'm presuming she
can afford to catch up on the arrears. By the way,
who's initiating the foreclosure? Is it the HOA or is
it the mortgage under lender?

Speaker 4 (01:14:09):
The mortgage company I have, Yeah, the mortgage company is
actually the ones that HOA has never done that or
anything like that.

Speaker 3 (01:14:17):
The HOA basically does have a lean on there, and
she's guessing the value the real value of is probably
around forty right, Lauren, you're correct?

Speaker 8 (01:14:27):
Yes, right, So you could file Chapter thirteen encruptcy. The
beauty of it is it would stop the foreclosure and
it would let you catch up on the payments that
you've missed over five years. Now that may not be
affordable to I'm not sure that it is. Well it
is and that certainly you can keep your home.

Speaker 3 (01:14:48):
Wait, wait, Mike, just to let you know, end goal
is to sell the house for the most money possible
and get the debt gone, the secure debt.

Speaker 8 (01:14:56):
So I've done cases, I've done thirteams where we're not
going to cure the arrears in the five year payment
plan with the debtor making monthly payments, but instead we're
saying we're going to cure the arrears by selling the property,
and usually you can buy a twelve to eighteen months
to get that done. The key though, is when she's

(01:15:18):
doing that while the home is listed, you really got
to make the monthly mortgage payment again and the HOA payment.
In other words, we can put all the arrears in
the foreclosure on hold. We can buy you twelve months
to sell the house. Once you sell the house, you
know you're going to keep the proceeds after, of course,
the mortgage and the HOA are paid, and so that

(01:15:39):
can make the bankruptcy affordable. In other words, it's a
fairly low monthly payment to the bankruptcy trustee so long
as the house is being sold and sells within a year.
Or so, and it sounds like there's a lot of
value for her to get out of that.

Speaker 3 (01:15:52):
Well, it sounds like she could probably say I think
the goal here in Lauren, Please correct me if I'm wrong,
but the goal is for you to get this household
for about two eighty five or whatever Frank can get
for it in the quickest time possible. If that's a
month or two months, that'd be great. Correct. Yeah, so yeah, Now,

(01:16:13):
but what Mike said is very curious. Lauren. You said
you haven't had a job forever. So how much is
that mortgage right now? I think you said it was
only six hundred bucks a month, which is great.

Speaker 4 (01:16:24):
Yeah, I just been having a hard time playing a job.

Speaker 3 (01:16:27):
Well, hold on though, just wait, wait, wait, wait, So, Mike,
do you when you file a chapter eleven on anyone's circumstance,
do you have to prove that you can make that
six hundred dollars payment? Is that part of the court
accepting or the trustee accepting the plan for the chapter thirteen?

Speaker 8 (01:16:46):
Yeah? So yeah, so chapter thirteen she would need to
make the payments. Now, there's another option here. I was
happy to hear Frank's name. I presume your time about
Frank Durand, who we used, yes recently, Holmes. He's great
love Frank and I have a lot of confidence that
that property will move quickly. So another option would be
to file a Chapter seven before the foreclosure day. That

(01:17:09):
will not buy you the year or so that I
was talking about, but that'll buy sixty to ninety days
before the foreclosure sale.

Speaker 3 (01:17:18):
And frank case, I have no doubt, Frankie, I sell
it in that time.

Speaker 8 (01:17:22):
Yeah, yeah, and then there's less pressure on her to
make the payments, you know, because you know, we're not
really we're not asking for much time. Basically, the amount
of time that she's going to get by just automatically
filing bankruptcy will be two to three months.

Speaker 3 (01:17:37):
Now, Mike, let me ask you another question, and I
have a ceiling. I already know the answer, and it's
not what I want to hear, So maybe I'll get
surprised here. But if she entered into this agreement, and
I know you're not a real estate attorney, but it's
a pretty typical by sell agreement, and it's supposed to
have some disclosures, she said she never got them. But
regardless that the disclosures are there, if you enter into

(01:18:01):
a bankruptcy and you have an existing contract to buy
and sell real estate in the state of Colorado, is
that contract still valid or does a bankruptcy does the
trustee have any control over that? And here's what I
mean by that. This guy's trying to buy a house
for one hundred and sixty five thousand that Frank says
he can sell all day long for two eighty five.

(01:18:22):
Is there any way to get them out of that?

Speaker 8 (01:18:26):
Oh, yeah, the bankruptcy. That contract will be discharged in
the bankruptcy, so the obligation will go away. The home
equity is not enough for the bankruptcy trustee to be
involved because it's all exempt, meaning it's protected. So it's her.
It's going to be her property. Now when we file
the bankruptcy, we're going to have to file a motion

(01:18:49):
to sell the property. There's a bunch of stuff that like, legally,
you got to get through some hoops to be able
to pull this off. But at the end of the day,
if there's only one hundred and forty thousands equity plus.

Speaker 3 (01:19:00):
She's going to walk with it.

Speaker 8 (01:19:02):
She's going to walk with it and the trustee won't fight.

Speaker 3 (01:19:04):
Okay, So to clarify. And I'm so happy you said that.
When you file this, if someone does have a contract,
even if it's enforceable under any other circumstance, the bankruptcy
literally voids that contract.

Speaker 8 (01:19:20):
Correct.

Speaker 3 (01:19:21):
Correct, That is excellent, period, end of story. There's no
like loopholes. In other words, the second she contacts you,
you guys get this plan together and you file it.
We don't even have to worry about this contract in
a different attorney dealing with getting her out of it,
because the bankruptcy gets her out of it. And I
know I framed the same question the same way three times,

(01:19:43):
but I'm amazed by the answer.

Speaker 8 (01:19:46):
That's right, you got it. We can do the contract avoided.
The current contract will be avoided, and then she'll buy
a little time that the lender is going to continue
to pursue the foreclosure. But the bankruptcy base like it
puts a hurdle in the way. Yeah, that takes them
about sixty days to get around. And if they know

(01:20:07):
Frank's involved, then there's a contract. They'll probably continue to
foreclose your date to the extent necessary to get the
things sold.

Speaker 3 (01:20:14):
I love this, Lauren, Listen. It took us two hours
but we got it done. Here's what you gotta do,
and if you mess it up from this point, I
don't know what else to say to me. The next
time I talk to you, we made you one hundred
and forty thousand bucks. You're gonna talk to Mike Wink.
Mike deals with Frank Duran all the time. Between Mike

(01:20:36):
and Frank, they're gonna get that house sold for as
much as they can possibly get for it. And you're
gonna walk away with your equity in the house after
paying off the debts you have to pay off, plus
if you have other credit card debt. Do you have
other debt by the way, probably? Yeah, all that's gonna

(01:20:57):
go away. All that's gonna go away. I don't see
any other option here. But I'm telling you and Mike
that sale once again is seven days from now. So
I mean, she's got to move like now, doesn't she exactly?

Speaker 8 (01:21:11):
Yeah, she should call the office like today and some.

Speaker 3 (01:21:14):
Time, Laurence, do not listen. Mike's gonna take your call.
You have got a call. Let me get her on hold.
Thank god. I mean, Dmitri, you're very welcome. I want
to hear from you when this all goes down because
we add up money. We're at over three hundred million dollars.
This is no joke. This is like one hundred and
fifty grand mark.

Speaker 4 (01:21:35):
I hope, my stress, thank you.

Speaker 3 (01:21:36):
So hold on, Lauren.

Speaker 11 (01:21:37):
I know it's a it's a huge weight off your shoulders,
but I would treat that as a huge fresh start,
and maybe part of that fresh start is a job.

Speaker 3 (01:21:45):
Whatever you can get. Yeah, well, okay, I don't even
want to go down that road. I mean, Lauren, you
gotta follow this. But now that Dmitri brought that up,
I mean, I feel like you're what holding out for management.
It's been a long time. All he's saying is get
a job. You're gonna blow through one hundred and fifty
thousand and be back in the same circumstance. But you
can't do a bankruptcy again that soon. So the best

(01:22:09):
thing ever is find an apartment with the money, get
moved in, and find a job. I don't care if
it's McDonald's, the outlet, malls, seven to eleven, Uber rides,
I don't care what it is. You got to find something. Hey,
Mike Wink, I so appreciate you coming on and really
getting us a true ending to this. Hopefully she's gonna

(01:22:30):
be calling and everybody out there, if you are thinking
of bankruptcy, Mike, give advice real quick. And I got
to take this break. I'm gonna give your number out.
But one thing I told someone else just the other day,
who's going to be calling you. They have been making
a payment that they simply can't afford to make. They
have no assets that are over the exemptions for cars

(01:22:53):
or for their home equity. They're perfect for it. But
they've been paying a minimum on one credit, and the
minimums a lot of money. It's like eight hundred bucks
a month, and they'll never get caught up ever. And
my point to them was that's wasted money because at
this point they already knew eventually they're going to go bankrupt.
There's no way to recoup those payments. But if they

(01:23:16):
didn't make them, they'd be all the better now they
would have had that money. Is that not correct?

Speaker 8 (01:23:21):
That it is all correct? And there's so many people
that I think understandably have a reluctance to file bankruptcy,
but it is a legal means to get out of debt,
and it really really can change people's lives for the better.
So I think it's good to encourage it when it's
appropriate because people are reluctant despite the fact that it's legal,

(01:23:42):
pretty straightforward, pretty predictable. So you know, it's one of
those things that can really help people's.

Speaker 3 (01:23:48):
Find Oh big time, and let me say something about
that to what you're talking about. It's good for society.
Thank god we have those rules. Can you imagine if
the banks owned all of us, lose your job, something
like COVID happens. Let's take a real deal. COVID happens.
You work at a restaurant, you work at Apple. He's
next thing you know, you don't have a job. Next

(01:24:09):
thing you know, you're starting to get four closed done.
Next thing you know, you're getting evicted. Next thing you know,
you can't pay for your car. And you're twenty five
years old. So without bankruptcy, you're done, really at twenty
five years old. Without the bankruptcy laws in this country,
you'd be indebted to the banks for the rest of
your life. You'd probably commit suicide. To be quite honest,

(01:24:31):
there would be no way to dig out of the hole.
So for people that are these oh now, bankruptcy, oh
screw you. You know what. There's nothing wrong with it whatsoever.
Mike Wink I appreciate it. He's with the Wink Law Office.
Any questions, this guy will talk to you for free.
Seven two zero five two three zero six point twenty.

(01:24:52):
I have been talking with Mike on air for what
Suzan ten fifteen years. If you have any questions about bankruptcy,
please call Mike. He can save you a ton of
money and get your life back on track. Seven to
zero five to two three zero six twenty. Now I
got to take this break. I'm running late. We got

(01:25:13):
lines open. I want to hear from people with other problems.
Hopefully we got Louren all handled. I think we do.
We're gonna stay on top of it behind the scenes,
but I do have lines open now. Three zero three
Martino three oh three seven one three eight two five five.
If you need help, and you need people to help you,
now call now.

Speaker 7 (01:25:39):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content
than time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies. Find out now three oh
three seven to seven to one help. You'll think you're

(01:26:00):
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 3 (01:26:17):
All right, three oh three seven one three eight two
five five. My goodness, we've got a ton kicking around today.
We still got to get back to that window one.
I haven't had a chance to look at that contract. Guys,
including Chris console he helped out big time. In fact, Chris,
he's the owner of Discount bath You discovered that sale
date that contracted I did not see, and that was huge.

(01:26:41):
I didn't realize that woman was up against seven days.
It was nuts. So I appreciate you doing that problem.
You know, it's kind of funny our referral list members.
Not only does Chris do a heck of a job
on bathrooms, you know what. Speaking of that, when you
guys were out at our house, one of the coolest
things was different options your guys did was what was

(01:27:02):
his name, Steven, So he was like, oh, you don't
want to have bathtub? We can make more closet space.
And then he was like yeah, and tell him thanks
for this one. What do you think of heated tile floors?
And Suzanne's like heated tile floors. Let me ask you, Suzanne,
do you like our heated tile floors?

Speaker 6 (01:27:21):
They're the best?

Speaker 3 (01:27:22):
Yeah, I know, they're crazy. They radiate, it's unbelievable. And
then we got a mister steam people. Not only does
Christen the gang do a great job, honestly a great job.
The other thing I want to tell you about is
discount bath because they do everything at a discount. I mean,
simple as that. And that's all you do is bath correct. Yeah,

(01:27:43):
I mean you don't do kitchens nope. Have about basements nope,
siding nope, windows nope. Do you build garages nope? So
you do bathroom bathrooms. I love that and that's what
your crews do and you're quick at it. Correct. Now,
what's the cheap bathroom? I'll just ask you. Now, I mean, okay,
that's so unfair to say. Let's take what I would

(01:28:03):
call a track home in Highlands Ranch that in the
year two thousand was built and it was four hundred thousand,
and it's got a master bathroom, double vanity, a separate
area for the commode, and a shower and a tub,
and it's just dated. It's twenty five years old. I mean, really,

(01:28:24):
if you wanted to do a new shower with tile,
nothing crazy, new countertops, maybe a new toilet, I mean, really,
what are you looking at there?

Speaker 18 (01:28:33):
You know, again that's sort of a loaded question because
materials matter, right of course.

Speaker 3 (01:28:37):
But you know it's ballparking on the side. Let's say
I'm the lead. I know people hate cheap. On the
less expensive side, yeah, good quality, just keeping the price down.
You know, you're somewhere in twenty five thirty thousands, and
you got a new bathroom, and I would argue a
master bathroom unlike a lot of things you could do
to your house, actually updates and brings that value up,

(01:28:59):
maybe not to the exact amount you spent, but a
lot compared to the kitchen in the bathroom. The kitchen
in the bathroom.

Speaker 18 (01:29:06):
And you know, Denver's real estate market has been good
for such a long time and it's not anymore, just
like the rest of the country, So now the house
needs to have some value, right you could ask to
you know, your house will sell over the one that
doesn't have a bathroom updating.

Speaker 3 (01:29:21):
Oh my goodness. Yes. In fact, Suzanne and I have
been looking for a house out on Lake Poncha Train
of all places. The first thing we do is go
to the kitchen than the master bathroom. Yep. Literally, if
those two don't check boxes were off because I'm not
looking for a project house. I'm looking for let's move
in turnkey and that's it. I'm not looking to have

(01:29:43):
contractors in my life on a second property. So yeah,
I get it. Man, those two things are huge. When
you guys go out, you charge nothing though, right Denver Metro,
do you guys go to Colorado Springs or now, yeah,
we do springs and we'll go up north to Fort
Collins Ish. Oh wow, so you did the whole front range.
So you go out, that's one hundred percent for free.

(01:30:03):
And that's when Steven or someone goes.

Speaker 18 (01:30:05):
Ye, one of the guys will come out and talk design,
walk you through it, find out what you're trying to solve,
if it's just cosmetic or you want to move walls
or do this or make a big scot.

Speaker 3 (01:30:14):
I love the fact you guys actually think that stuff
out though you're like, hey, you want a bigger closet.
You want to go with the California style closet. We
can get rid of that tub right there and extend
that closet and make it look like something literally from
California in a new house. Yep, I mean it's crazy.
You want whatever kind of vanities you want, it's just

(01:30:35):
the different options. Fancy toilets are those a big deal?
Now when you do a bathroom, do people like the
Beaudet or whatever they're called. They do these things do
everything but make you coffee.

Speaker 18 (01:30:47):
Yeah, the bidets are interesting. I mean there was a
big push after COVID, right, and so they've kind of
tapered off. But a lot of people like them, so
we do some of them. I mean, toilet toilets can
be ridiculous. It's something we end up talking about a lot,
and the reality of it is most people just go
with a pretty straightforward white toilet.

Speaker 3 (01:31:07):
Yeah, so we went with a fancy one and it's
got like a remote control, which is insane. He did
seeds and heat. Well that's numeral that is actually worth it.
But some of them, the American standard line, if I recall,
they have one that they packaged the fancy seat with

(01:31:30):
and a standard American standard toilet. I think it was
like thirteen fourteen hundred bucks. That's not bad. That's not bad. No,
but you have to have electricity. Yep, that's the other thing. Hey, listen,
discount bath dot com set it up. Have these guys
come out. They're great guys. Chris is on with us
all the time. So look, we have got something coming
up right after this break. Talk about solving problems. We

(01:31:55):
solved one that's huge, absolutely huge huge. A woman lost
her husband, he committed suicide. Her furnace went out, she
had nothing. We sent Deputy Bow out. Deputy Bow said,
my goodness, this thing's got rust on it. I cannot
fix it. And Deputy Bow can fix anything. This guy

(01:32:17):
knows how to fix furnaces like nobody I've seen. Okay,
he can fix it. He lived it for his entire life.
Generally he can fix it. He said, No way, this
one's too old. It's impossible to fix. Wait till I
tell you what happened.

Speaker 7 (01:32:37):
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

(01:32:58):
customer when you choose Frame durand the real estate man
dot com to list your home with Remax Alliance three.

Speaker 1 (01:33:04):
Oh three nine two zero sixteen twenty two.

Speaker 3 (01:33:08):
All right, three o three seven one three eight two
five five. You know, behind the scenes, we rock and roll,
like you're gonna find out in a second, we do
recover money left and right. In fact, I think we're
over four hundred million now. But whatever. But behind the
scenes on our YouTube channel, a lot of times we
have a completely different show going on. Like literally, i'd

(01:33:30):
say maybe a little like maybe it just fun a
little kind of I don't even want to say mature,
but a lot of fun. Well I'm always the mature one,
that's funny, and I'm always the correct one. Yes, I see. Anyhow,
any questions people have, we have a couple of lines open.
But uh, three oh three seven one three eight two

(01:33:51):
five to five, call now. But when you hear this one,
So I'm going to bring up bo and Nicki and
Bo went out to Nicky's house. When did you go out,
Deputy Bow? This is how we help people listen to
this great story, Deputy Bow. When did you get sent
out there?

Speaker 10 (01:34:07):
I believe it went out there the next day or
two days after. She called in October night to check
out her old magic chef furnace.

Speaker 3 (01:34:17):
How old was it?

Speaker 8 (01:34:19):
It was?

Speaker 10 (01:34:20):
It was installed in nineteen eighty three.

Speaker 3 (01:34:23):
My god, what did it consist Did it consist of
like a barrel that you put logs into? I mean
that is so old.

Speaker 11 (01:34:32):
Was it steam powered?

Speaker 3 (01:34:33):
Yeah? Exactly.

Speaker 10 (01:34:35):
It had a shovel in the closet.

Speaker 3 (01:34:38):
That's amazing. It lasted that long, Nikki? When did it
quit working altogether?

Speaker 9 (01:34:44):
It was actually the first time it got cold here
a little bit earlier in the month we got it.
First time I kicked it on for the season, and
it would it turned off.

Speaker 3 (01:34:51):
It just and you had a company come out and
they said we can't fix it, and you need a
new furnace, and gave you a quote or something.

Speaker 4 (01:34:59):
Right, Yeah, they said it was way too.

Speaker 9 (01:35:01):
Old even try to service it or anything, that it
would have to be completely replaced.

Speaker 3 (01:35:05):
Yeah. How much did they quote you?

Speaker 9 (01:35:08):
So back back when we did that. That was I
think around like thirteen thousand dollars fifteen thousand dollars something
like that to have it replaced.

Speaker 3 (01:35:15):
Wow, that's that's a lot of money. And let me
tell people about the background. I'm not trying to bring
up bad thoughts with you, Nikki, but you have how
many kids? One child?

Speaker 13 (01:35:26):
Yeah?

Speaker 3 (01:35:26):
I have one son and I heard he is rambunctious.
You got your hands full of boy? Yeah, I sure do.
So she's got one son and her husband passed away
last year.

Speaker 9 (01:35:39):
Yeah, it was actually your excuse me, a year ago
on Tuesday.

Speaker 3 (01:35:42):
Oh my god, a year ago this Tuesday. Oh I
am so, I'm so sorry to hear that. So she's
been trekking on. I mean, I can't imagine the pressure
under and everything else going on. So we wanted to
get someone involved, so we sent Bo out. Bo A
lot of times, you're able to fix stuff, but this
furnace that's older than a model T just wasn't going

(01:36:03):
to get fixed. So how did how did Brookman's heating
and air come into the picture?

Speaker 14 (01:36:11):
Help?

Speaker 3 (01:36:11):
I can tell you that.

Speaker 5 (01:36:12):
Such my understanding is, And Doug correct me if I'm wrong.
When Mark brings you on. He's holding online one. I
think Doug was listening to the call, felt for the
caller Nicki and wanted to help. And when we started
exploring options Mark, things weren't panning out like we thought.
Bo couldn't fix it because of the age of it.
But Doug, gosh, thank you so so much.

Speaker 3 (01:36:34):
So, Doug, is that what happened? You were listening to
the show and heard Nicky call in and talk to me. Yes, exactly,
that's incredible. Let me tell everybody out there with Doug
and are you the owner of Brookman's Heating and Air. Yes,
And tell me about your company real quick. How many employees,
how many vans on the road. Kind of give me

(01:36:55):
an idea.

Speaker 14 (01:36:57):
Actually, my forte is do new construction, custom homes, track homes.

Speaker 3 (01:37:04):
Oh wow, So you go out and bid like on
with Lenar or with KB to do a whole neighborhood. Exactly.

Speaker 14 (01:37:12):
I got big contracts with all the big builders throughout Denver.
So but I do change outs and replacements. But that's
not what we do. It's new construction. And I just
heard this and I figured I can help.

Speaker 3 (01:37:25):
This is incredible. Here's what he did. In fact, Nikki,
I'll let you tell us what Doug did. She's a homeowner.

Speaker 9 (01:37:33):
Doug came out here actually yesterday and he completely replaced
my furnace. He actually fixed something that was wrong with
my ac too, and he did it at no cost
at all. He just did it because.

Speaker 4 (01:37:43):
He's a really good guy.

Speaker 20 (01:37:44):
That is absolutely generous. It's absolutely incredible you did that, Doug.
We all so much appreciate that, and of course Nicky
more than anything in Deputy Bo getting this whole thing
together and making it happen.

Speaker 3 (01:38:00):
Just kudos to everybody involved. Hey, Doug, I was gonna
say I'd put you up on our referral list, but
I don't even know. I mean, if all you do
is new construction, is there any benefit to you for that.
I'm just curious.

Speaker 14 (01:38:17):
Yeah, right now, I do run four bands for service.

Speaker 3 (01:38:20):
Oh just for okay, So you do do residential, but
your main gig for Brookman's is new installs.

Speaker 14 (01:38:28):
Yeah, it's new install the stuff. But I do have
my own service guide and I.

Speaker 8 (01:38:31):
Got four of them.

Speaker 14 (01:38:33):
But mainly we fix our own stuff. But we have
the ability to go out and.

Speaker 3 (01:38:38):
Work on other So do you want some of those
residential calls? For people. Yeah, I mean that's a very
simple question. Yes, all right, Susanne, get him all the information.
In fact, let's have Daphne reach out and I'll get
him on in no charge.

Speaker 6 (01:38:54):
Everything, and then we'll put him up for a while
because he's.

Speaker 1 (01:38:56):
Such a great guy.

Speaker 6 (01:38:57):
Mark, I mean, you can't ask for better than that.

Speaker 3 (01:39:00):
What an angel, No, Doug, we so appreciate it. Man,
I knew somebody. I want to know if you know
these guys, Hey, Nicky and Bo, thank you for calling in.
And really, Nikky, I'm so glad we could get involved
and get you this farness.

Speaker 10 (01:39:14):
Mark, I'm play out one thing, please, Doug. Doug did
not put in an expensive Builders model. Doug installed a
top of the line Cadillac Carrier unit Wow filter box
so it'd be easy for Nikki to change the filter
and the air conditioner.

Speaker 3 (01:39:33):
I heard you say it was tight. It was a
really tight fit, wasn't it.

Speaker 7 (01:39:38):
Oh.

Speaker 10 (01:39:38):
I couldn't get my pinky my one hand in there.

Speaker 4 (01:39:41):
It was so damn tight.

Speaker 3 (01:39:42):
And Doug went in there and basically custom built that
box in order to change the filter. Right.

Speaker 10 (01:39:49):
It was a it was a great installation. I'm gonna
post a picture and Doug and his company's put faith
in my trade. I never liked the Hvader.

Speaker 3 (01:39:58):
That's funny, all right, listen, guys, I gotta take a break. Doug,
if you could hold on, I wanted to ask you
something else after this.

Speaker 7 (01:40:04):
Hold tight, go with a sure thing Denver's Best roofer
Excel Roofing dot com.

Speaker 1 (01:40:14):
You don't pay a cent until you're content.

Speaker 7 (01:40:19):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (01:40:45):
Rift of red News, ned Advice, who you don't have
run anxious as fast as we can.

Speaker 11 (01:40:56):
No s's gonna help coming man.

Speaker 3 (01:41:00):
This is the Troubleshooter Show. No Tom Martinez, welcome my
friends to the only show of this. In fact, I
dare you to find another show that has recouped well
over three hundred million in cash merchandise exchanges. Refunds and
entertains all at the same time. It's absolutely amazing. Think

(01:41:21):
about it. We have recouped just today. Just today, we
heard about a woman that couldn't afford to have a furnace.
Her husband died last year and I didn't want to
go into this with her on there, but her husband
committed suicide. Think of where that would put you right now.
If you come home, you have a small child running
around like boys do when they're five to six years old,

(01:41:44):
and your husband's gone, your support system's gone. I'm sure
the questions that brings up are crazy. But she didn't
have heat, and we're coming in and we had Dug
from Brookman's Heating and Air. Now they typically do commercial
stuff but he's starting to branch out and do a
little residential. But he put in a brand new furnace
one hundred percent for free. That was fifteen thousand bucks.

(01:42:06):
Easy right there, Easy think of the lady this morning,
Deputy d By the way, Chris consol discount Bath joins us.
He was integral in this too. We helped a woman
figure out a pathway. Now, I'm not going to ring
the dinger yet. I'm not going to hit the Bell
and say we got the money back, but we're talking
about one hundred and fifty thousand dollars. She was going

(01:42:28):
to lose her house on the thirtieth, seven days from now,
she was going to lose her house. I think we
put together a pathway for her. She's not going to
lose her house in seven days. She's going to sell
it and actually get about one hundred and fifty thousand.
She was looking at getting maybe ten thousand, maybe, yeah.

Speaker 11 (01:42:51):
Eight thousand dollars earnest money is kind of like what
she was planning on to pay for her moving expenses,
and I think that was going to be it.

Speaker 3 (01:42:57):
I think between Frank Durant and Mike Wink, she's gonna
have very close to one hundred and fifty thousand dollars
all set and done if she followed the advice. We
talked to three attorneys on that. Think about that. That's
a great set of resources. Market. We have such a
great set of resources. Now, if you've been ripped off
three zero three, Martino, we want to hear from you

(01:43:19):
three oh three seven one three eight two five five.
I've got a couple other topics, but I wanted to
bring Doug back up with Brookman's Heating and Air. For
a different reason, Doug, I started thinking, you do these
new homes. When we moved into Red Hawk, they basically
had one company. It was called road Runner. In fact,
I got to know the guys through one of my

(01:43:39):
good years. But they would go in and bid with
US Homes or Learnar or KB Holmes. They would bid whatever,
and then if they won the bid, they would go
in and install the duct work, the AC unit, the furnace,
everything to do with HVAC they would do if they
got the bid. And it made me start thinking. They

(01:44:01):
told me way back then that they literally would get
stuff stolen because at this point a lot of times
did you know this, Dimitri, when the h fact people
go in for a new build a new home, I
mean there might be a roof maybe, but generally speaking
there's nothing going on there. But the framing isn't that correct, Doug?

Speaker 14 (01:44:24):
Yes, the framing is complete when we get in the houses.

Speaker 3 (01:44:26):
And you run because think about it, it's got to
be wide open to wrung all the duct work and
then he puts the units in and everything. So that's
what he primarily does. Like I said, he helped us
out with this and he's starting to do a little residential.
But the guys from road Runner told me way back
then they would get a lot of units stolen, and
that was twenty five years ago. How does that work

(01:44:47):
nowadays in your industry when you're doing a whole neighborhood
like that, Do you guys have a lot of theft?

Speaker 14 (01:44:54):
Yes, for our refrigerate lined, our copper line sts, they
get stolen weekly weekly.

Speaker 3 (01:45:00):
I mean you don't. That can't be an insurance claim weekly.
It's just a cost of doing business. Yes, do the
cops ever do anything? Have you ever had like a
full condenser stolen or a full furnace.

Speaker 14 (01:45:14):
Yes, we'll go in and people will go through and
cut the canvas and steal the whole entire coil in
furnace at the same time.

Speaker 3 (01:45:21):
God, how would you even tracked at in these neighborhoods
that aren't even I mean there's not even people living
in them yet. Oh my goodness, go ahead, Doug.

Speaker 14 (01:45:32):
No, And even we go through when we have apartment buildings,
we'll go through in stock equipment and then go to
the next building in stock air conditioners. By the time
we get back, sometimes our equipment will be gone.

Speaker 3 (01:45:43):
Cat, I can't even imagine. And Chris, you were telling
me with Discount bath one of your guys was in
doing a bathroom and someone stole his truck.

Speaker 18 (01:45:52):
Yeah, they took his van and and he get the
van back, but not the tools that were in it.
And it took about six months. But yeah, he came
up and everything is gone.

Speaker 3 (01:46:01):
It's absolutely unbelievable. Well, Doug, once again, I wanted to
thank you. That's why I add you back up. We're
going to get you on the referral list. You helping
her out like that was just great. I mean, that's
kindness of your heart, and we really appreciate that. Suzanne's
got all your information. We're going to good company. Mark,
what a good guy.

Speaker 6 (01:46:18):
Thank you again, Doug, what.

Speaker 3 (01:46:19):
A great guy. You know, do you kind of envy that, Chris,
you do bathroom remodels, but you don't do new construction,
do you?

Speaker 4 (01:46:28):
No?

Speaker 3 (01:46:28):
No, not at all. In a way. Don't you envy
that new construction because you're not dealing with homeowners. It's clean, right,
it's it's in and out in that sense. Yeah, there's
no one and what I mean by homeowners, you're not
worrying about disrupting someone's life for a week. Correct, Yeah,
where you would just go in and you know you've

(01:46:50):
got nobody there. You can just put there, you can
do whatever you want. You can turn up the boom box,
you can.

Speaker 18 (01:46:54):
Yeah, a lot of cases, there's no carpet or anything
in the house at that point, so you don't have
to worry about protecting it because there's nothing there to That's.

Speaker 3 (01:47:01):
Such a margin business, so, isn't it. Yeah, I mean
you've got a body based I would think, yeah, it's
got to be. I mean really, if you think about
how much money, how much money do you think sent
a home d So in other words, if a house
sells for five hundred thousand, now here's a problem. You
got to focus in on the lot, the area. So
I don't quite know.

Speaker 11 (01:47:22):
Well, I got to are you trying to figure out
what the buildings building materials cost.

Speaker 3 (01:47:26):
Yeah, I'm saying if you took a three thousand square
foot house or twenty five hundred whatever is normal and
you think about everything. You think about the bathroom and
the kitchen, the appliances, and the framing and the roof
and the siding and the cement and the driveway and
the garage doors and all the other doors and all
the finished work. Blah blah blah blah blah.

Speaker 11 (01:47:46):
The cost of materials is that what you're talking about?

Speaker 3 (01:47:48):
And the labor toss?

Speaker 11 (01:47:50):
Okay, Well, I think that's pretty easy to figure out
because homebuilders will tell you what their average price per
square foot it is to build a home, and I
think what they're charging. H Well, no, I know they'll
tell you. They'll tell you what they're charging, but they
know what it costs them, right, so that that's how
they calculate with the charge. So, Chris, is it about
I guess about one hundred bucks a square foot to

(01:48:11):
build a home?

Speaker 3 (01:48:12):
Right, I think it's a lot higher.

Speaker 8 (01:48:14):
Than that now.

Speaker 18 (01:48:15):
I think that that was fifteen twenty years ago. That's
what my costs from I think, so I think it's
somewhere like around two hundred to thirteen and that includes labor.
It's cogs, yeah, cost the good salts of the labor
in the material.

Speaker 11 (01:48:27):
Yeah, so a contract a lot, not the lot I know.
The Yeah, the pres square foot price is the actual
labor and material.

Speaker 18 (01:48:33):
And I think insurance companies give that number two, right,
So you're not going to have to rebuild your lot
if you lose your house, but the price per square
foot to rebuild.

Speaker 3 (01:48:41):
Your house build. Yeah, absolutely they do. In fact, when
you have major upgrades. If you go out and do
something to a house, it had a standard builder's great
bathroom and they upgrade it to something really nice. I
mean they need to call their insurance company because if
they don't and they have a catastrophic loss. So fire
is something they're only going to get builder grades covered, correct,

(01:49:03):
So I mean that's a big deal. In fact, did
you guys know this that fire up there from a
year ago? That damn thing or no, it was two
years ago boulderfire, I think about two years did you
guys know? Excel, by the way, ended up coming out
of pocket for that.

Speaker 11 (01:49:18):
They just settled the case for an enormous amount of money. However,
we got to keep in mind they settled it without
admitting guilt. Well that was just pretty standard for settlements.

Speaker 3 (01:49:27):
Well of course, but I can't believe the fact that
they came out of pocket. So what basically, if we
forget about any form of disclosures or anything or whatever
the settlement was, we're not going to be purvy to that.
But what I'm curious about was the accusation that they
didn't shut down the power lines on time, knowing there's

(01:49:50):
one hundred mile an hour wind and that's what sparked
the fire in creating this devastating event that was up
in Boulder.

Speaker 11 (01:49:56):
That was my understanding that, in rough terms, they didn't
take an steps to shut off the power to prevent
the sparking and that kind of sting.

Speaker 3 (01:50:03):
Yeah, it was millions and millions.

Speaker 18 (01:50:05):
I could be off base on this, but I think
there was two sources to that fire, the power lines
and then there was that burning. Somebody was burning something
and it started in two different places. And that is
what surprised me that Excel took responsibility for it because
it wasn't all them.

Speaker 3 (01:50:21):
Yeah, we don't know how much these power companies make.
I mean, let's face it, they have a monopoly. I mean,
it's like it's the best rack in the world. It's
like having the only gas station. I mean, seriously, it
would be like having the only gas station. It's remarkable.
You know, the California one, the big one, right is
before Trump took in office. I mean that was devastating.

(01:50:42):
In fact, dollar wise, that was way bigger than out here.
But what was crazy is it looks like didn't they
arrest somebody. They arrested somebody they said went in and
set the fire.

Speaker 11 (01:50:54):
Oh yeah, just a week or two ago they busted
a guys recent news. Yeah, he was burning something. He
was burning like a bible or something something like that.
Who's definitely engaged in some kind.

Speaker 3 (01:51:05):
Of a weird act. Can you remember the Hayman fire here?

Speaker 4 (01:51:08):
Oh?

Speaker 3 (01:51:08):
You got that was a weird way to start it.
We had a house up there. Oh did you really
past tense? Yeah? No, it went the other way. I
was in Bailey at the time, but ours was one
of very few that actually lasted in West Creek. It
was West Creek, Colorado, And I mean the fire was everywhere,
but as far as the damage right to West Creek

(01:51:30):
and for people, it's kind of uppast rampart range. It's
not that far from Woodland Park, maybe thirty miles, but
it's still Douglas County and a lot of homes, including
two right across the street, burned down. We had a
metal roof on our cabin, so it survived. But it
was the worst thing that could have happened because it

(01:51:51):
was just in a big burnout, devastation area. The value
of the house dropped like a rock. There's I mean
till this day. If you go up there, you can Hell,
there was a fire twenty plus years ago and it
was a fire ranger. A fire ranger. She wanted to
be the hero. I remember that. No, No, wait a minute, guys.

Speaker 11 (01:52:10):
She burnt a park ranger and she had gone through
a nasty breakup.

Speaker 3 (01:52:16):
Was burning the deer Jaane letter.

Speaker 11 (01:52:19):
That's right, that's right, and her fire got out of control.

Speaker 3 (01:52:21):
I wonder if she's still in prison. I'm not saying
she should be in there forever. I'm sure she didn't
mean to set the fire on purpose.

Speaker 11 (01:52:29):
Right, It was a negligent It was a negligent act,
not an evil one.

Speaker 3 (01:52:32):
But she literally cost my family a lot of money. Yeah,
I mean, think about that. There's nothing you can do
about it.

Speaker 18 (01:52:38):
I think there's more to that story. It wasn't just
a deer Jane letter that was her alibi for what
it was. Oh, there was some intent behind it, I believe, no, Kidah.
So she started the fire and then wanted to call
it in and put it out, And there was some
more to that, if I remember, right, Yeah, and I
still twenty years.

Speaker 3 (01:52:55):
Ago or something, so I'm not sure I remember the
Deer Jane part. Yeah, I remember that part too, but
I think there was the rest of the story I
saw when we were driving up there, when they finally like,
let us kind of go up there. I mean, it
was nuts. I was sitting there and I saw the
largest helicopter I have ever seen in my life, I
think it was. It came out of Russier, built in Russia,

(01:53:16):
and it was basically a crane. Oh yeah, big Sikorski
sky crane. That sucker was right up there on the
side man, in this big open field. It is a monster, Yes,
it was. Can you imagine flying something like that? And
I guess it would dip down and grab water somewhere
and then out of a pond and go spray it
on the fire?

Speaker 11 (01:53:36):
Largest saying Iris, So Mark, can a person like you
whose house survives the fire but then you're faced with
this huge loss of value? Is there such a thing
as diminished value claim on your insurance policy for that?

Speaker 7 (01:53:48):
No?

Speaker 3 (01:53:49):
No, no, no, trust me. I looked every possible which
way there was.

Speaker 11 (01:53:54):
Is there a special policy you can buy to cover
your house?

Speaker 14 (01:53:57):
No?

Speaker 3 (01:54:00):
The land I mean, you know you wait fifty years,
hold on.

Speaker 7 (01:54:08):
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(01:54:30):
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Speaker 3 (01:54:41):
All right, three oh three seven one three eight two
five five three oh three Martino, Hey, Paul the Waterman.
I would like to actually get him on Susanne. He
sent me an article that was crazy. Maybe we can
uh get Paul up man when you hear that it's crazy.

(01:55:01):
But I was doing a spot during that last break
for Integer Insurance, and I said something I wanted to clarify.

Speaker 1 (01:55:08):
John.

Speaker 3 (01:55:08):
I try to always do the commercials John Jones, he's
the owner of Intager Insurance Else Insurance. Hey man, I
want to clarify something. Everything I'm reading says rates for
healthcare As of right now, there's been nothing done with
the ACA. It's going to expire unless something is done.
If nothing is done and tax credits are gone, thirty

(01:55:31):
percent is a wish list? Isn't it going up? I mean,
what do you think? And I know you don't have
a crystal ball. If Congress is going to come together,
none of us do. But if nothing comes together, what
happens to this market? In your opinion when it comes
to cost for people that get their healthcare and get
their tax credits on the Colorado exchange.

Speaker 15 (01:55:54):
Mark. From what we're saying so far, and you're right,
these extended tax credits with Alan, there's gonna be major
writ increases. But the state has kind of stepped in
in the study of Colorado. And we were talking like
one of the providers Select which is in our mountain,
and he said, John, the person I was chatting with, said,

(01:56:17):
on an average, the RACHE will probably go up fifteen
to twenty percent. Oh my god, because of the help
from the state.

Speaker 3 (01:56:24):
But that's just the one more.

Speaker 15 (01:56:27):
Yeah, it could be more, depending on of course, your
area that you live in, like up in the mountains
in the zip code.

Speaker 3 (01:56:35):
Yeah, but where does that John, if the ADA money
goes away, okay, and it's set to expire this year.
If that goes away, where does the state get the money?
And how does that work? In other words? Like, right
now it's a tax credit, isn't it?

Speaker 15 (01:56:50):
So?

Speaker 3 (01:56:50):
In other words, if you don't pay taxes, how does
it work? Right now? If you get a tax credit
and you don't have a job and don't pay taxes,
how does that work?

Speaker 15 (01:57:02):
Johnny? And that's one of the problems, you know, with
all these task credits. I mean, we've gotten phone calls
from people. You know, you look at their assets and
their assets are well over a million dollars. Yeah, and
I'm talking to people like a prom veil whatever they're
called in.

Speaker 3 (01:57:20):
Yeah.

Speaker 15 (01:57:20):
Of course, Yet they've found ways to hide their taxable
income so that they actually end up getting task credits.

Speaker 3 (01:57:30):
Yeah, but that's the Wait a minute though, hold on, Yah.
One of the problems, well, that's a big problem. And
what John is saying is, think about this. You have
one hundred million dollars and you happen to have no
income that year. Now, that's next to impossible, but it
can happen. You don't have to dig into your piggy bank.
In order to pay it, you get tax credits, which

(01:57:51):
is a big flaw in the system. I mean, really,
remember it's the affordable the Affordable Act is BS. There's
nothing affordable about it. But if the state ends up,
they're saying they're only going to go up twenty percent,
where's the rest of the money come from?

Speaker 15 (01:58:07):
They and Johnny is going through the training. Okay, you
know when I've chatted with Johnny. Okay, so Johnny, just
inform me. And I'm not sure exactly where the dollars
come from, but I know the state is sent aside
dollars to help in case these extended tax credits not
come about, will help kick in to try to hold

(01:58:30):
down the rit increases. There's still gonna be big time.

Speaker 3 (01:58:32):
But john here's what I'm Here's what I'm You might
not know the answer, But what I'm curious is if
it's a tax credit, and now we're talking the state's
going to pay it. Most people, your state income tax
is nothing compared to your federal how would they even
use it? Or is the state going to come in
and literally just pay the insurance companies.

Speaker 15 (01:58:53):
It's a special fund, and I'm not sure exactly how
that one works. I can ask my son, because he
went to the t with them.

Speaker 3 (01:59:00):
I would guess that fund is going to be eaten
alive really quick, right.

Speaker 15 (01:59:06):
Possibly, yes, because I mean, obviously we got to get
the government open again. And you know, I was chatting
with a person that happens to be group health and
he technically cannied he's going. He's gone on an individual
plan and he's you know, they were in their sixties,
sixty one fifty nine, and they're right at the cliff.

(01:59:30):
And the cliff, you know, used to be four hundred
percent of the federal poverty limit before they extended it,
and your premiums couldn't be more than eight point some
odd percent of your income. So in his case, if
these task credits are not extended, he might as well
stay on the group plan that he can't afford rather

(01:59:50):
than going an individual because it would be higher. He's
in a bad little box right now, see, And that's
where premiums are going to be that high on the
individual sun and.

Speaker 3 (01:59:59):
That that's why people, I mean, really, they've got to
call you, guys, because that's crazy. I never even thought
about that. So last year it wouldn't have possibly wouldn't
have even mattered. But now he is on that cliff
to where he really probably needs to do something else.

Speaker 15 (02:00:15):
That is true, and we have alternative plans that are
not ACA complying with all the mandates of the ACA,
that we potentially can help people with. And look, and
the other thing is, you know, you know Tom did
it one year is he went with one of the
call sharing plans? Yeah, and you know that are three?

Speaker 3 (02:00:37):
Do they still have to be religious based? Not all
of them are faith based.

Speaker 15 (02:00:42):
They have guidelines. They have certain guidelines they want you
to follow, like you don't drink a lot, you know,
just to try to keep yourself healthy.

Speaker 3 (02:00:50):
But you say, don't drink a lot.

Speaker 15 (02:00:55):
Where you're not an alcoholic. Yes, so they will have
certain little questions we have to answer with them. But
if I answer no to all those, yes, they could
get one of these call sharing type plans, and you
guys offer all that they could save a lot of
money in that regard.

Speaker 3 (02:01:11):
Hey, pull your skirt up on your industry real quick.
And I mean this. I see commercials on TV late
at night this time of year from every old AB
or C list actor ever saying call up us and
they're nationwide people, You're never dealing with anybody else. But
kind of what's the gamut behind it? In other words,

(02:01:33):
how do those these huge companies do they push one
product that they get paid for more than other ones.
I know you guys don't do that, but like certain things,
if you sell it, I would assume certain companies probably
pay better than other companies. Just like any insurance like
State Farm might pay more than All State if a

(02:01:53):
broker brings them a car deal. I mean, how does
that work in healthcare? Is it the same thing?

Speaker 15 (02:01:59):
These Medicare advantage programs? So most of these people are
heavy fmos, so they're gon't have yeah, higher contracts being
nationwide like they do, but on a Medicare advantage program,
they pay most of them pay a certain amount.

Speaker 4 (02:02:15):
Period of story for a person.

Speaker 15 (02:02:17):
Yeah in the story, sir, Sure they'll get a bonus
being an FMO. But technically, anybody out there this year
according to CMS, we really which we do? We show
both Medicare original Medicare with a supplement.

Speaker 3 (02:02:36):
John, hold on, hold on, hold on, this is important stuff.
But I got a break hold on. Just hold on
with me, go with a sure thing. Denver's best roofer
Excel roofing dot com. You don't pay a cent until
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(02:02:58):
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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 all right,

(02:03:19):
three oh three seven one three eight two five five
three zero three Martino, I want to go right back
to John Jones, John, I guess really where I want
to button this conversation up because a time, more than
anything is call in tager if you have any questions
with health insurance. But the main, the main reason I
called you is everything's going to go up. What do

(02:03:40):
you think fifteen to thirty percent is at a heck
of a good guess in Colorado, that's a great gift
and it could be higher.

Speaker 15 (02:03:49):
It could be depending on your zip code.

Speaker 3 (02:03:51):
Now, when do they have to actually tell you that
it's going up? Like we've had Kaiser the past, whatever
through you guys and through the exchange. So when does
Kaiser have to tell me if it's going up or down?
Or have they already done that?

Speaker 15 (02:04:05):
You should begin everything's fouled with the state, so you should.
We can't see the final rates yet, but you should
be getting a letter here very surely.

Speaker 3 (02:04:15):
Is there a deadline?

Speaker 15 (02:04:19):
Very surely so? But you were soon sometime in November.
I mean, obviously if you've got a January first start day,
which you do, and you've got to make a decision
by December fifteenth, if there's any change in your plan
for a January first start day, No, they have to
get those out very soon.

Speaker 3 (02:04:38):
Well, I guess if I was an insurance company and
I mean the devil, let's just call them the devil.
Here's what I don't understand, Like if you come out
right now and say, let's say Kaiser, and I'm just
picking on them because I have them, there's going to
be a fifteen percent increase this year, but then all
of a sudden, the tax credits go away and aciego away.

(02:05:00):
Can they come back and raise it after that?

Speaker 16 (02:05:04):
No?

Speaker 15 (02:05:04):
They follow their rates based on not having that extended
tax credits, not having it right which.

Speaker 3 (02:05:11):
A lot of people, I guess don't even realize this.
I mean a lot of people don't qualify for tax credits.
I was talking to Chris here and they're going to
be shopping on the exchange here. In fact, he's going
to be calling you. But I mean, if you make
over a certain amount, I mean, you get nothing out
of it. Really, the tax credits mean nothing.

Speaker 15 (02:05:30):
That is correct. If you're over four hundred percent of
the federal poverty limit, there are no taxes.

Speaker 3 (02:05:34):
What is the federal poverty limit.

Speaker 15 (02:05:38):
Is based on? And I'll just use a family okay, Yeah,
a family of four making eighty some thousand a year. Yeah,
the federal poverty limit would basically say okay or eighty
to ninety anything over that, now you're four hundred percent
of the federal poverty limit and technically you will not
be eligible for task credits this particular year.

Speaker 3 (02:06:00):
Got it.

Speaker 15 (02:06:01):
So the people that are out there, you know, they
have these great task credits because of the extended task
credits that were passed back in two thousand and twenty. Yeah, yeah,
they really need.

Speaker 13 (02:06:13):
To look this year.

Speaker 3 (02:06:15):
Yeah, they better. And I'll leave you with this. Folks
out there, you got to call John. I'm not kidding.
It is so important. I can't even like I can't
tell you the differences you might discover this year on pricing.
I mean he shared with me Kaiser might be going
up ten or fifteen percent, which is going to be
one of the lowest. There's other ones going up over

(02:06:35):
thirty percent. But given Tiger a call three oh three,
four sixty six, fifty five hundred, and then any medicare questions, John,
who we are just talking to, can answer those. I
hate to do this to everybody, but I am so
back on breaks.

Speaker 7 (02:06:49):
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of insurance companies find out now three all three seven

(02:07:09):
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
all three nine two zero sixteen twenty two.

Speaker 3 (02:07:23):
All right three three seven one three eight two five five.
Don't forget. Tomorrow is Car Day. I want to thank
Chris too for coming in. Chris, I really love having
you in and I really appreciate you helping us that
first hour with that lady. If I can take anything
away from today's show, I'm gonna tell you this. I
hope we get her that extra one hundred and fifty
grand on that sale. That was a huge deal and

(02:07:45):
I hope that works out. People. Please don't forget though.
Let me get this out of the way. Help at
troubleshooter dot com. That number works on and off the air.
It looks like we got YouTube back up and running.
So tomorrow we're gonna have a great show. We're gonna
have Kevin Kalk, Suzanne. Who else is coming in?

Speaker 5 (02:08:02):
I think we have Jesse, I see shill Inger with
honest Acura Auto down from Colorado Springs.

Speaker 12 (02:08:07):
Mark.

Speaker 6 (02:08:07):
We just love them so much.

Speaker 3 (02:08:08):
Hell yeah we do. Deputy d You're going to be in.

Speaker 17 (02:08:11):
I love it.

Speaker 3 (02:08:12):
So tomorrow's Car Day. I do want to go back
and give Chris a little more love here. If you
are looking for that bathroom, honestly, you got to call
these guys. I don't care if you haven't signed a
contract and you've been thinking about it. These guys are
not high pressure. They'll come out, they'll give you different ideas,
different price points, whatever you want. But they can help
you with the design. And you're crazy not to at

(02:08:34):
least talk to them. You're absolutely nuts if you're looking
for a bathroom. I mean, Chris, what else separates discount
bath dot com from Joe Blow. Yeah, we stand behind
our product. So if there's an issue, and what is
your warranty like on a wall system.

Speaker 18 (02:08:52):
Lifetime on a wall system, five years on tile, but
you know we're standing behind it. If if there's an issue,
we're coming back.

Speaker 3 (02:08:58):
What's a tub to shower conversion and run? Now, it's
starting around ten grand under ten that's crazy. That's not
bad at all. No, not compared to the market. How
about when you do your average bathroom if there is
such a thing, which I know there isn't do you
guys do the entire bathroom remodel? Or is that tub
the shower like the biggest thing If you look at

(02:09:20):
your portfolio, what is the biggest thing you do when
someone calls you out it tubbed, the shower or the
shower in the hall bathroom area?

Speaker 18 (02:09:28):
Right, that's a large portion of our business. But we
do the complete bathroom very often, or something else in
the bathroom, even if it's not a complete bathroom.

Speaker 3 (02:09:36):
How about a walk in tub. I mean, I know,
like Tom hates them, but honestly, some people have to
have something like that.

Speaker 18 (02:09:43):
Yeah, So I'm frankly not a fan of them either,
but you're right. For some people it's the right thing,
and we will do them.

Speaker 3 (02:09:49):
So you will do them. You've got a good line
on them, so you can save people money on those. Correct.
How about financing? Correct, yes, we have it. Like what
what is financing these days in your realm? How do
you mean as far as zero percent for a year?
We've got zero yeah, zero percent for a year and
then all kinds of different option. Yeah, lots of good
payment plans, which I think are better than the zero percent.

(02:10:11):
But like what so let's say it is a nice
bathroom twenty five thousand something like that, or remodel, like
we've talked about, what does that typically break down into
payments for people? You know, it's some three to six
hundred depending. I mean, there's some long terms, so you
can get the payment really down if you I mean,
you can get it down two hundred bucks maybe probably,
Oh that's insane. Did you ever redo the bathroom?

Speaker 11 (02:10:32):
And you're a condo d I'm about to I had
Genesis Exteriors and Math from Paragons.

Speaker 3 (02:10:38):
All yours is that insurance colter day.

Speaker 11 (02:10:40):
We met with the insurance adjuster and it's going to
be a big, big, big claim and I'm just waiting
to see how American family is going to treat me.

Speaker 3 (02:10:48):
Did you watch Matt at work with Paragon?

Speaker 14 (02:10:52):
Oh?

Speaker 11 (02:10:52):
Yeah, they were so Math from Paragon Insurance Services. He's
my public adjuster whom I hired.

Speaker 3 (02:10:57):
Condo the person over has been leaking forever, right.

Speaker 11 (02:11:01):
Yeah, I don't know how long they've been leaking, but
they did a huge amount of damage to my unit.
So Matt was there, Mark was there, and then the
insurance company adjuster was there.

Speaker 3 (02:11:10):
All right, listen, everybody hold tight. We're going to be
back tomorrow three oh three. Martino Help It. Troubleshooter dot
Com looking forward to it.