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October 3, 2024 130 mins
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Episode Transcript

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Speaker 1 (00:00):
Yeah, ripped, you need.

Speaker 2 (00:08):
Advice so you don't have a.

Speaker 1 (00:12):
Running just as sass as we can. Shooter's gonna help me.

Speaker 3 (00:17):
Come man Dix is the Troubleshooter Show.

Speaker 2 (00:22):
No, Tom Martine, Hi Tom Martino here, welcome to the show.
Here to help you. We're solving problems, answering questions, taking complaints,
making your life just a little easier. Just give us
a call and we will be there for you. Welcome. Stephanie,
you're looking good. And we have Mark Deputy Dollar, I

(00:43):
mean Deputy Doc. And then also I didn't mean to
insult Deputy Dollar. And then we have Frank Duran the
real estateman dot com and Stephaniere dot com. Hey, what's new.
Let's get to that and then go to the phones.
Today's real estate day. A lot happening in real estate, guys.

(01:06):
Let me know what's happening, like everything like the supplying demand, movement,
average time, availability, inventory, blah blah blah. Let's start with
Stephanie for the pipe's peak area.

Speaker 4 (01:20):
Hey, Tom, he've got kind of the same thing that
we were chatting about a few weeks ago last time
we were in studio. We're definitely seeing some longer days
on market. However, we've had I think a little bit
of life kind of come back to our market. When
the FED announced they were decreasing rates. I think that
was some positive noise in the media. And of course

(01:40):
anytime we see rates come down, that's going to be
a benefit to your buyers, which ultimately brings more buyers
back to the market. So, still seeing pretty good days
on market out in the Colorado Springs area, but I
am starting to see some life. How about inventory, more
or less, we've had more inventory than we've had in
past years, but we are still historically low.

Speaker 2 (02:00):
Average days on market.

Speaker 4 (02:02):
You know, last I was looking, we were still seeing
over sixty. Just it's really dependent on the areas though.

Speaker 2 (02:10):
Frank Duran, the real estate man, what do you think.

Speaker 5 (02:12):
Hey, Tom, You know it's all price point to price point,
area to area. I think the toughest market segment I've
been seeing is the condo market with increased hoafees and
insurance getting tough, and of course i'm listening with right
now where there's a pending lawsuit, so the hoafees are
a bit up. Overall, the single family market's been pretty good. Overall,
we're getting amoved and the recent d MAR report said

(02:33):
that we had fifty point eighty five percent more inventory
month end for single family homes. That's right around seventy
five hundred more homes on the market that hit. But
now with the rates a bit lower, I think that's
encouraging more.

Speaker 2 (02:44):
Buyers to All right, I want to mention something mortgage rates.
I saw a stat gathered by wallet hub the highest
rates in the country for changes, not the actual right,
but the well actually it is the actual rate. The

(03:04):
actual rate the highest in the country Colorado, highest rate
of what.

Speaker 6 (03:10):
I'm sorry, mortgages. How's that possible? Why would we be different?

Speaker 2 (03:14):
I don't know. Listen to this the change in average
mortgage rates from quarter to quarter. From quarter one to
quarter two. In Colorado, the change was an increase of
four point eight eight percent. In Missouri it was a
change of three point one two Now I find that

(03:36):
hard to believe because in the first quarter rates were
not that low. No, no, I don't find but I'm
coming wrong. Rate Wait, look this up wallehub dot com.
And this is look because here's what it says. It
says the average mortgage rate in quarter two right now,
in Colorado's five point seven to one. Now, obviously that's
in quarter two. Now here's the deal. That's not the

(03:58):
highest in the country. But according to this, it says
the change in average more. Oh oh, oh, I know
what they're saying. The average rate used to be four
point eight eight and now is five point seven to one.
I don't know, and it read this. I'm trying to
interpret this, but the bottom line is this, Colorado's rates

(04:21):
are increasing faster than other parts of the country. That's
what they're saying. That's basically what they're saying.

Speaker 6 (04:27):
Well, maybe that means people are refining out of those
two and three percent mortgage rates now into higher ones,
and it's that's why there's no way our mortgage rates
are thirty or sixth rate is going to be that
much higher or lower than any other state.

Speaker 2 (04:42):
No, no, No, our average rates five point seven one.
You're right, Missouri six point three, Louisiana six point eight.

Speaker 6 (04:49):
I have, but that's not when you go to buy
a new house. There's no way it would differ that much.

Speaker 2 (04:54):
It does right now right now in Colorado is five
point seven.

Speaker 6 (04:58):
Are you sure it's not saying the average person right
now that has a mortgage in Colorado if you put
them all together and pull it and mediate it or
put an average on it is five point Well, that's
what I'm saying.

Speaker 2 (05:10):
The average mortgage rate right now in Colorado. Yes, your
average is five point seven to one, right, The average
mortgage rate for people with mortgages.

Speaker 5 (05:21):
Well, guys, I can tell you this. I talked to
my lenders quite a bit, and the conventional has been
in the low sixes fahas and the fives comfortably in
the fives fhava.

Speaker 7 (05:31):
Yeah.

Speaker 2 (05:31):
So Mark's right, Mark, it's it's all mortgage is considered.
The average is five point seven to one.

Speaker 6 (05:37):
Yeah, And that's because a lot of people now had
to either squeeze money out of their house to pay
credit card debt or move because they're having another kid.
And then when the new mortgage came in, it ticks
that number up. A lot of people are getting off
those old three percents because they have to now.

Speaker 2 (05:53):
By the way, it was so it is the average
change was four point eight percent from quarter one to
quarter two. So the the average rates went up four
point eight percent, meaning not the average rates, but the
average among people. The aggregate average among people went up,
and it went up four point eight percent. And that's

(06:13):
because what Mark, what you just said, a lot of
people are dumping or selling and moving and then the
new people are getting higher rates. So go ahead, Frank,
what were so continue with what you were saying. Oh,
that's pretty much it. Tom, I talked to my lenders.

Speaker 5 (06:28):
Rates went up just a little bit, but overall they've
been much better than what we saw, especially other course
last October, Tom, you remember we were kissing eight percent,
So this is definitely a big difference. And honestly, ever
since the fifty bases points, we've been seeing improvement in
the market.

Speaker 2 (06:42):
All right, now we'll check back with real estate Chris
though he has a question on a trade for a
car for his son. Let's talk. What's going on, Chris?
How can we help you?

Speaker 8 (06:54):
Hey? Tom, I appreciate you guys talking to me in
Georgia show over the year. Thank you man helped me
in the past, So thank you. Maybe you could give
me some advice here.

Speaker 2 (07:03):
All right, what's going on? Hello, Yeah, I'm here. What's
going on?

Speaker 7 (07:08):
Yep?

Speaker 8 (07:09):
Yeah, yeah, very good. Yeah. So yeah, unfortunately last week
my wife, my son's wife died unexpectedly.

Speaker 2 (07:16):
Oh my god.

Speaker 7 (07:17):
And yeah, it's.

Speaker 8 (07:18):
Sort of a sad thing for the family, might imagine.

Speaker 2 (07:22):
Yeah, I imagine.

Speaker 8 (07:23):
And you know, it's a big emotional thing for him.
And I'm trying to help him out on some other things.
One is financial, Yeah, and they have a vehicle that
they were actually he was looking to purchase another vehicle
for his work or work vehicle. And you know, obviously
his wife is part of their income and the family.

(07:44):
Now that's changed, and he has a vehicle that he's
wanting to sell. I think he's upside down in it,
and I'm trying to help him figure out how the
best way to get rid.

Speaker 2 (07:54):
Of that he needs to sell. Is this the Toyota
four Runner he needs to sell?

Speaker 8 (07:58):
Yes, that's the one, yep, okay, And so we're looking
to sell that, but try to get him into it.

Speaker 2 (08:04):
How side down is he? How much negative equity?

Speaker 8 (08:08):
Well, I'm thinking, you know, he owes twenty seven on
a nineteen twenty?

Speaker 2 (08:14):
How many miles on it?

Speaker 7 (08:15):
Room?

Speaker 2 (08:15):
How many miles on it? First?

Speaker 8 (08:17):
One hundred and twenty?

Speaker 2 (08:19):
Yeah, okay, and he owes twenty seven? What is the
vehicle again?

Speaker 8 (08:25):
A twenty sixteen?

Speaker 2 (08:27):
So you're looking it up, Mark, Yeah, good.

Speaker 8 (08:31):
Yeah, I'm thinking they're twenty three, twenty four. You know
you so.

Speaker 2 (08:35):
Anyway, he can't sell it if he's upside down unless
he makes up the difference.

Speaker 8 (08:41):
That's right, Yeah, is going to make up now. I
can obviously help him make up some of the difference,
but yeah, I didn't know if there's a way of
doing this, so he could, you know, get into him
summer monthly gams.

Speaker 2 (08:53):
What other car does he have?

Speaker 8 (08:57):
He has a that's one of reason why he's trying
to He has another truck for work, and.

Speaker 2 (09:03):
He wants to keep that truck, right.

Speaker 8 (09:06):
Yeah, that other truck is not it's probably worth you know,
one thousand bucks.

Speaker 2 (09:10):
You know, it's okay, so he needs another What you're
saying is he needs to get rid of the toy
too Ota four Runner and get another vehicle. Yep, okay,
Well obviously obviously he shouldn't even bother trading it because
the negative equity goes into the next car, and he's
upside down in that car even more, because cars, no
matter what, when you finance him, unless you put a

(09:31):
hefty amount down, you're going to end up upside down.
And if you, on top of it, put a negative
equity snowball on it, it's just it's going to be
a road to nowhere my recommendation.

Speaker 8 (09:43):
I think that's what happened with this. This is a
they got this vehicle about two years ago.

Speaker 2 (09:48):
It happens to most young people. Young people start out
buying too high. Then they get rid of it before
it's paid off. The negative equity goes into the next vehicle.
Then the negative equity goes into the next vehicle, and
it gets bigger and bigger. It's called the negative equity snowball.
It's the number one reason kids end up in bankruptcy,

(10:13):
in addition to credit cards. Vehicles, vehicles. So here's the
deal man, There is no magic. He's got to get
rid of it, pay it off, and then just go
out and buy another one. And and maybe if he
doesn't drive that much, one of the things he could
do is actually he could lease one. It sounds like

(10:38):
he needs it for work, though, man, is it for work?

Speaker 8 (10:41):
Yep?

Speaker 2 (10:41):
And does he put a lot of miles on it?

Speaker 8 (10:45):
No, he doesn't put a lot of miles, but he
tows a few things, you know, generators here and there.

Speaker 2 (10:49):
So he may not be a good least candidate. But
how much how much should you say Yoda on it seven.

Speaker 6 (10:58):
He should be able to sell it roughly about that
should he break even mark if he sells it himself,
he's not going to get it on the trade in
and if it's in you know, decent condition. But the
other thing is he might have a heck of a
time selling it when he doesn't have the title in hand.

Speaker 8 (11:14):
So yeah, we oh, I said what you're saying.

Speaker 2 (11:16):
Yeah, yeah, but we can work that out that we
can work that out with an intermediary. But the problem
is this, Okay, like like you could go to Jeff R.
Cars and Rodney could could help pay that off, take
it in trade, but not you know, you don't get
any equity, but he takes it and then you pay
it off and then you get another vehicle, and he
can get any make or model he can lease. He

(11:37):
can help you buy newer use. But listen carefully, Chris,
you got to help him ounta in this second vehicle. Man,
I'm telling you it sounds like he doesn't make wise choices.

Speaker 8 (11:50):
Well, you know he's young, yeah so so and so
here's the I agree.

Speaker 2 (11:58):
How old is how old?

Speaker 8 (12:00):
You know he's thirty yep, Okay, so he's you know,
he just recently got out of school.

Speaker 2 (12:06):
So he's Chris, may I ask what happened with his wife?

Speaker 8 (12:11):
Boy? You know, not getting in too many details. You know, bipolar,
mental else issues can be problematic to people.

Speaker 2 (12:23):
Okay, all right, listen, ye Chris, why don't you call
Rodney over at JFR Cars just for the heck of it.
But but listen.

Speaker 8 (12:33):
JFR Cars, Yeah, and talk to Rodney.

Speaker 2 (12:36):
You're gonna have to get rid of that and make
up the no.

Speaker 8 (12:40):
I understand. So you're saying it's better for him to
I mean, I'll talk to JFR Cars, but he needs
to sell it personally. But it may be difficult because
he doesn't have the title.

Speaker 2 (12:49):
Right, that's right, right, But see what JFAR Cars can do.

Speaker 6 (12:53):
But they're gonna there. It's gonna cost you a few
grand man. What do you mean by that market Well,
I mean if they do it, if if they do
it like on consignment, well, either consignment or if they
literally just buy it and sell it. I'm saying he's
probably going to save a couple grands selling it to himself.

Speaker 2 (13:10):
That's just a difference between wholesale and retail. How but
if you don't know how to do it, the strategic moves.
We're selling a car, what you would have to do
is you'd have to go to the place an office
where it's financed. If it's if they have a local
office with a cashier's I mean a real check or
a wire with the buyer, they get the title. It's

(13:33):
very complicated. When you're not a dealer, it is very complicated.
But that's why I said, Jeff our cars. If they
do a consignment, they can handle all that. Yeah, it
might cost you, but you got to weigh the costs.
Look and just call him. He might say, Look, if
you find a buyer, we'll just charge you a transaction fee.
He's done that in the past. But at least start

(13:55):
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Speaker 5 (14:52):
Help.

Speaker 2 (14:52):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three three hey nine two zero
sixteen twenty two. Hi, Tom Martino, you're troubleshooter three h
three seven one three talk seven one three eight two
five five. Okay, let's go to the phones here and

(15:16):
let's see. Okay, Joe, Joe, what's going on with you? Welcome?

Speaker 9 (15:22):
Hi there? Can you hear me?

Speaker 2 (15:23):
Yes? I Ken, Joe, what's happening?

Speaker 9 (15:26):
Okay? So I live in Lovelin. We purchased our home
in ninety seven and been here twenty five years, in
this house almost twenty six and in twenty twenty late
twenty twenty, the lot in front of us was vacant
and uh, people bought it and they built a house.

Speaker 2 (15:44):
Well when did they build it?

Speaker 9 (15:47):
When did they build it? Yeah, they built it through
twenty twenty, moved in the very end, so in twenty
one they basically moved in. It's a custom home or
is a custom home?

Speaker 8 (15:59):
Okay.

Speaker 10 (16:00):
So when they.

Speaker 9 (16:01):
Built, they put a retaining We basically look out our
front door at their house now used to be just
open like a ridge. And they built a retaining wall
in between our property and their property when they were building,
which I went out and talked to the builder while
they were doing it. I talked to the city and

(16:22):
they weren't. That was never on their plans. I said,
you know, we're going to get water damage from this.

Speaker 2 (16:26):
You put hold on a second, hold on a second.
The retaining wall that they built. They're not allowed to
put up a retaining wall in normal municipalities when they're building,
unless it is part of the plan or part of
the lot, or part of the overall drainage or whatever.
So how did they just went ahead and did it

(16:48):
on their own and the city did not say cease
and desist? Which city is correct.

Speaker 9 (16:54):
City of Loveland, Okay, believe me, you're.

Speaker 10 (16:58):
Preaching to the choir here.

Speaker 9 (16:59):
I've been fighting.

Speaker 2 (16:59):
Well, hold on, what does Lovelin say about that? Are
they saying it's wrong?

Speaker 9 (17:05):
We met with a city engineer and this was last year,
because we've been flooded five times now and.

Speaker 2 (17:10):
It's only since then.

Speaker 9 (17:14):
Since they put, yeah, put the retaining wall and they
built their house. Because they've built their house and brought
dirt in.

Speaker 2 (17:20):
So they I get it. I get it. Look at that.
Why did they the retaining wall? Where is it retaining
too much water now on your end where it used
to just flow down exactly? Well, why didn't they when
they did the retaining wall, Why didn't they put in
a drain so the water that accumulates goes down behind

(17:41):
the wall and out to the street or something.

Speaker 9 (17:44):
So they put in this drain. It's at the bottom
of this retaining wall. And when they were putting that in,
I said, that's not going to work. And it basically
goes under the water doesn't even flow into it. It
goes underneath the ground. It's just like a plastic tube.

Speaker 2 (17:59):
Okay, it's a racking. Now where does it stand today?
This is wrong. Obviously. Where does it stand today today?

Speaker 9 (18:08):
It stands that we hired an attorney last year, they've
got an attorney, and we've been fighting this thing obviously,
So now they're going to bring in an engineer.

Speaker 2 (18:20):
Are you suing them?

Speaker 9 (18:22):
We are suing them. But here's the problem.

Speaker 2 (18:24):
So did you let me ask first, did you file
a lawsuit?

Speaker 9 (18:28):
Well, no, because we have an attorney and they're fighting
each other.

Speaker 2 (18:31):
Correct, Yeah, but make sure your attorney keeps an eye
on the statute of limitations from the time of discovery.

Speaker 9 (18:40):
Okay, it's been the year in August since we hired
an attorney.

Speaker 2 (18:44):
No, not since you hired an attorney, since you discovered
it the water damage. Yes, when did you first know
you had a problem?

Speaker 9 (18:56):
Oh, when they were built the wall, But we didn't
get flooded.

Speaker 2 (18:59):
Into when did they Okay, when did you get flooded?

Speaker 9 (19:03):
June of twenty three was our first flood.

Speaker 2 (19:05):
Wait, when did they build the wall.

Speaker 9 (19:10):
In twenty twenty when they were building the house?

Speaker 2 (19:12):
Well, what I find out is it took three years.
Why did it take three years.

Speaker 9 (19:17):
Because they weren't full I mean, they weren't moved in
and then in twenty one had a really dry season.

Speaker 2 (19:25):
Okay, listen, Joe, please do do me a favor and
you can continue your story and we'll try to help.
Tell your attorney to please please keep an eye on
the statute of limitations because it's when you discovered or
should have discovered the problem, and you only have three
years after that, so you better really, really really know

(19:50):
when you should have discovered it. Okay, seriously, because in
some cases you have an obligation to hire an engineer
to see if you're going to have a problem if
you sensed it and it tells and you even said,
by your own words, you went out there and said
this is not going to work, which says that you

(20:10):
kind of knew. So I think I hope to God
your attorney is smart, okay, because you have a problem
of discovery and the statute of limitations it's going to
be twenty twenty five, okay, and I'm serious that that's
five years. So please have your attorney because otherwise you

(20:34):
have nothing. You have nothing, and it could be why
they're stalling. Now keep going. What's happening?

Speaker 7 (20:40):
Now?

Speaker 2 (20:40):
Go ahead.

Speaker 9 (20:43):
So we got flooded three times last year and then
flooded again this year in August. Okay, our attorney has
sent in all this paperwork to them. We're getting nowhere.
They finally came to an agreement that they want to
have their the engineering company come out and shoot the property,

(21:05):
and then their construction company will tentatively agree to build
a structure for no charge to us, provided it is
an unexpectedly large or complicated I'm like.

Speaker 2 (21:17):
That's great, okay, Joe, Joe, your attorney, how did you
pick them from a cracker jack box or what? How
did you pick them?

Speaker 9 (21:27):
I called around and called and called, and I just
could not find anybody that would deal with water in
this kind of real estate water damage in that They're
a pretty large company in northern Colorado, and I just
feel like they just keep pushing us under the rug
and we're paying. We're alm with that ten grand and
attorney fees.

Speaker 2 (21:45):
Now, Okay, you really have a problem, Joe, You have
a problem. Okay, you might have to hire I'm telling
you right now you should have filed the lawsuit to
keep your claim alive. You have a real problem. Okay, Now,
I hope you I've never ever said to anyone, including
your attorney, that you knew it was going to be

(22:05):
a problem from the beginning. Did you ever say that?
Do they? Does the other side know that?

Speaker 9 (22:11):
Not that I know of, because I don't think that.

Speaker 2 (22:14):
I mean, you said you went over there and said
this is not going to work. Who'd you say that
to the.

Speaker 9 (22:21):
Builder? I didn't say anything about floody, and I go,
you can't put up We're going to retain a wall
in somebody's front yard.

Speaker 2 (22:27):
Listen, that's discovery of a problem. I'm not talking about damage.
I'm talking about disputing. Look it. I'm not an attorney,
but I'm going to tell you need an attorney, and
you need to get rid of the one you have,
and you need a full accounting. I don't know why
you're at ten grand right now, but I don't trust
what you have or who you have. So what were

(22:48):
you hoping to get from us? Information on what.

Speaker 9 (22:52):
Well I've been. I've done all the paperwork, I've done
all the trying to figure out who to go to,
and our attorney just sits there and keep sending us emails.
Well they, I mean, they want to meet with the
engineer next week and shoot the great or the grade.
And I'm like, we're not going to be in town.
We need to do it when we're here. And they're like, oh, no,

(23:14):
you can have a friend or somebody. I'm like, I'm
not comfortable with that. We're trying to recoup our damages.

Speaker 2 (23:20):
Don't you don't need to be there. That's ridiculous. You
don't know what you're doing. You don't need to be there.
You need to have a representative there, like an engineer
or something, right, which we'll hire an engineer.

Speaker 9 (23:34):
We hired an engineer last summer and he wrote up
what he thought the problem was in the fix and
we paid him. Still haven't gotten anywhere. Our attorney just
keeps dragging a seat, and Joe, we're getting there.

Speaker 2 (23:49):
I don't know what you were hoping from us, but
you're telling Everything you're telling me points to your attorney
being a bimbo or a moron. No, I don't want
to insult my YouTube morons. You're er and he's an idiot.
And your engineer told you what needs to be done.
Have that engineer there when they start measuring. Don't delay

(24:09):
and file a lawsuit to keep your claim alive. Now, now, listen,
I don't know what else you wanted to hear from us,
but it's got to hold it through the break. I'm
Tom Martinez. We have more coming right up. Go with
a sure thing Denver's best roofer Excel Roofing dot com.

(24:31):
You don't pay a cent until you're content. Time for
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three O three seven to seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com

(24:52):
to list your home with Remax Alliance three three nine
two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter
three oh three seven one three talk seven one three
eight two five five Back to the phones. Now, let's
see what is going on? Okay, Joe. Other than a

(25:17):
recommendation for a new attorney or an engineer, what do
you need from us? Now? I love helping, but I'm
not sure what we can do in this case, especially
because the clock is ticking. So help me out.

Speaker 9 (25:31):
Well, basically, what we want we want to damage fixed,
we want to reach No.

Speaker 2 (25:36):
I know what you want, but what do you want?
From us because you've already hired an attorney and an engineer.

Speaker 9 (25:43):
He's not helping us. I mean, he's We've spent all
this money and it just feels like the other.

Speaker 2 (25:48):
What law firm do you have? We do have Bid
O'Brien on, Okay, good, I want to talk to Brad.
Brad O'Brien is a real estate attorney. I don't know
if he handles these kinds of things, but I'm going
to ask him, Brad. This person built a home back
way back. Okay, they've been there a long time, Okay,
or back? I mean they bought the house in ninety seven. Recently,

(26:11):
in twenty twenty, someone built a home, a custom home,
in front of them and put up a retaining wall.
The retaining wall was not part of a drainage plan,
not part of their main plan. The city of Lovelin
had nothing to say about it, but they put up
a retaining wall, which has since then caused flooding to
their home. They hired an attorney who is doing nothing

(26:33):
for them, just negotiating with the neighbor on trying to
fix it. But she feels they're just jacking her around.
She has spent a ton of legal fees and gotten nowhere.
I'm afraid the statute of limitations is going to run out.
They haven't filed the lawsuit. Do you handle cases like
this when a neighboring property is causing damage to yours?

Speaker 11 (26:56):
Yes?

Speaker 12 (26:56):
I handle property line disputes like this, including TS disputes and.

Speaker 2 (27:00):
Yeah, but this is specifically the retaining wall on their
property causing flooding on her property. Right, do you handle that?

Speaker 8 (27:10):
Yes?

Speaker 7 (27:10):
I do.

Speaker 2 (27:11):
Okay, you need a free second you need a second opinion.
I'm sorry for saying free Brad, I don't know how
you do second opinions. But she needs a case review.
How do you handle those?

Speaker 8 (27:21):
Well, I'll trot off with.

Speaker 12 (27:22):
A free nish of consultations, just a general conversation and
then if they want to take it from there, and then
we talked about what that costs.

Speaker 2 (27:29):
And can you and and you got to review what
the other people did because how long have you had
this law firm retained.

Speaker 9 (27:36):
Joe August twenty three.

Speaker 2 (27:41):
And nothing.

Speaker 9 (27:42):
Okay, no, we are We are right at this point
right now where they send us an offer, and it's
been back and forth with these offers, and basically they
want to have their construction company put a French strain in.

Speaker 2 (27:57):
A French strain would work a French strain. Are they
putting the French drain in around your house or are
they putting it in at the retaining wall?

Speaker 9 (28:04):
Well, it would go at the retaining wall. But here's
the deal. Her shrink girl line goes all through that
they're supposed to have a swell in their backyard, which
they don't.

Speaker 2 (28:12):
It all is all, you know, But but here's the deal, Joe,
I need you. You can't. You can't give your opinion.
Did your engineer say they need a swell and they
need this and they need that. You can't just automatically
say no to everything they propose as well, Brad listen,
is she obligated to let them at least try to mitigate.

Speaker 12 (28:38):
Obligate technically? And no, you don't have to. Nobody has
to do anything. But it sounds like there's been some
real progress to date because OBUs William maga Forth.

Speaker 2 (28:47):
So yeah, and I think she's frustrated because each year
it floods and it's been since she hired the but
she only hired the law firm in twenty three, so
I don't actually see I don't know what you expect
twenty it's only a year later. I mean, Joe, what
are you What are you complaining about.

Speaker 9 (29:10):
The fact that every time it rains.

Speaker 13 (29:13):
My husband and I we get that.

Speaker 2 (29:15):
But the law firm seems to be working at light speed.
I thought you hired him in twenty twenty. You hired
him last year.

Speaker 10 (29:22):
Yes, we didn't, and they got you.

Speaker 2 (29:24):
Okay, you hired him last year, and already the other
party is offering to put in a French train, which
you automatically say will not work.

Speaker 9 (29:33):
Now, it hasn't been that fast, and they finally came
to this after we've we threatened to do the lawsuit,
and even what they're trying to put in, I don't.
We don't believe it's gonna totally.

Speaker 2 (29:47):
Reach No, wait, who's we don't believe? Who's we I
don't believe? I Well, sorry, you know what your opinion means?
Nothing in that nothing, absolutely nothing. When you say we don't,
I don't think it will solve the problem, A judge
will laugh you out of court. Now, if you had
a couple experts that said that, that would be a
different story. Joe, I'm trying to help you and I'm

(30:10):
telling you why you're running into problems. First of all,
that is light speed for an attorney to be hired
last year and get you an offer by threatening a
lawsuit this year. Light speed. I don't. I know you're
frustrated and that's why you're calling. I understand that completely, Brad,
Brad any words for her.

Speaker 12 (30:26):
Well, an engineer is important. You should have an engineer
on your side who can talk advise you on the
technical solution of a retaining wall with an integrated French drain.
That's how this is going to resolved most likely.

Speaker 2 (30:39):
But what you need is someone to tell you it's
not going to work and why it's not going to work.
Hold on again, I need to take another break. Bob
at l em Landscaping does a lot of this kind
of work. He's got a comment and the other callers
please hang on. I will take all of you. I'm
Tom Martinez three to three seven, eight, two five five.

(31:07):
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 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

(31:29):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martine,
you're troubleshooter three O three seven one three talks seven
one three eight two five five. So I wanna I

(31:49):
want to continue on this real quick, Bob at l
em Landscape. He's on a refer list for fur list
dot com. Bob, what comment do you have on this?

Speaker 14 (31:58):
Uh? Go ahead to Tom, Here's what I want to do.
Give me a couple of minutes, right, I'll go quit.
The first thing that she should have found she should
find out. I don't care when that wall was built.
But every city has a code for a height of
a wall. Example Lakewood, you can it be twenty six
inches or you have to have an engineer. So the

(32:18):
first thing she needs to find.

Speaker 13 (32:20):
Out or her turning is when that wall was built?

Speaker 14 (32:24):
Did And I don't even know if she's throw on the.

Speaker 7 (32:26):
Line how high is this wall?

Speaker 2 (32:28):
Well, let's just just keep going. Man, and well she's listening.
Just keep going.

Speaker 13 (32:34):
Let's just say this.

Speaker 14 (32:36):
She needs to find out what the code height is
for a returning wall. Secondly, I could almost guarantee you
this wall was not built correctly because I heard her
say that drayt pipes in the bottom. That all depends
on the heights.

Speaker 2 (32:49):
The other thing is.

Speaker 14 (32:50):
That wall has to be backfilled with rock all the
way behind it.

Speaker 2 (32:55):
To Okay, here's what I want to ask in a really,
do you go up that far?

Speaker 13 (33:00):
I would do it for.

Speaker 14 (33:01):
You, Tommy and all do anything for you.

Speaker 2 (33:02):
All right, here's what I'd like you to do. I'd
like to go up and take a look at it.
Let's Kachina will hook you up, and let's see maybe
you can come up with a solution and make sure
she's not getting screwed either, because you've handled a lot
of problems for us successfully. And I really like I
like the idea. I like the idea.

Speaker 6 (33:24):
Let's say it's three feet and it's not supposed to
be that tall.

Speaker 2 (33:29):
How long has it been there? Do you recall it's
been there since twenty twenty? Okay, so what would they do?
Who were they suing? What would they do?

Speaker 3 (33:37):
No?

Speaker 2 (33:37):
No, no, let's say it won't cost that much to fix.

Speaker 13 (33:40):
Well, well, no, here's the thing.

Speaker 14 (33:42):
If that wall was put in wrong enough, start they
candle back. I've had it happen ten years, could happen?
They can go back after whoever install that wall and
then she made him the playoffs?

Speaker 2 (33:54):
Well who installed it?

Speaker 13 (33:56):
Well, well they may be able to find out what
oil cannot they move? If it's going to be it
has to be great re certified to drain around both
works of the house to the front of the art.

Speaker 2 (34:11):
All right, hold on, we got to come back to
more right after this on the Troubleshooter Show, 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

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

Speaker 1 (35:01):
You need advice who you don't have come running just
as fast as we can. Shooter's gonna help me.

Speaker 3 (35:12):
Come Man Dix is the Troubleshooter Show. No Tom Martinez, Hi.

Speaker 2 (35:19):
Tom Martino here, Welcome to the show. Three oh three
seven one three talks seven one three A two five five.
We got a lot of people waiting to talk to us,
and as it goes, it's, uh, you never know how
the calls are gonna go. So I'm gonna get to
all of you, I promise. So really, the bottom line is,
I don't want to go back to the landscaping problem.

(35:40):
I'm gonna ask Bob as a favor to go up
and look at that. Look at people. Here's the thing. Okay,
when you have a retaining wall causing trouble for the neighbor,
it could be your problem and you may have to
fix it. I mean it could be the one who
put up the retaining walls problem. So you're not allowed
to cause problems for neighbor. You're not allowed to disrupt

(36:02):
drainage plans without a very specific set of rules. Almost
every municipality has drainage plans. We have Frank durand a
real estate man with us today. We also have Stephanie.
Stephanie with a Stephanie Thomas, and they are real estate brokers.
Stephanie Thomas versus the Pike's Peak Region Frank Durand works

(36:23):
all parts of Metro, and we are talking real estate.
I do have some texts for them. You can text
me at five seven seven three nine. That's the iHeart
short code we call it. So you text your message
to five seven seven three nine with Tom in there,
it'll get to me. And then we have also my
personal Google Voice and I do have some texts there.

(36:43):
This is my personal number, comes to my cell phone
and I will get to it, and that is seven
four seven fifty two eighty. So now let's keep going.
Jim wants to talk about a car accident and an
insurance issue. Okay, man, what's going on? Jim?

Speaker 11 (37:00):
Good running? Tom, Hey, I was involved in I was
involved in a car accident a week ago Monday.

Speaker 2 (37:06):
Oh. I hope you're not hurt, are you? No?

Speaker 11 (37:09):
There were no injuries, so obviously then the police wouldn't
come out and take our information. But my insurance company
has been very helpful. And I had just bought the
car two months before.

Speaker 2 (37:21):
Was it brand new?

Speaker 11 (37:23):
No?

Speaker 7 (37:24):
Used?

Speaker 10 (37:24):
Car.

Speaker 11 (37:25):
I've never had a new car. I'm a seventy six
year old man that gets what he can.

Speaker 2 (37:29):
The old fart. Hey, Jim, and let me ask you something.
So you were in this accident and the police wouldn't
come because there's no injuries. How heavy were the damages?

Speaker 11 (37:40):
My car was declared totaled?

Speaker 2 (37:43):
Okay? Now, whose fault was it? If you didn't have
a police report or an accident report, whose fault is it?

Speaker 11 (37:49):
Okay? I I obviously say it was his fault. He
turned in a report to my insurance company with a
statement to me basically that was his fault while he
was trying to blame me, to make it to make
it simple.

Speaker 2 (38:04):
So you're each blaming way. Wait, wait, you're each blaming
each other, right, okay?

Speaker 11 (38:10):
And okay. And my insurance company saw what happened to
the car and how he reported it and said it
was impossible to happen that way.

Speaker 2 (38:20):
So can you tell me how it happened? I'm just curious.
Tell me how it happened.

Speaker 8 (38:25):
Okay. Sure.

Speaker 11 (38:26):
I pulled out of a strip mall on Buckley Quortered
eight at night on Monday, and the right lane was
completely empty. The left lane had cars in it. I
pulled out into the right lane, probably drove forty fifty
yards up, and all of a sudden, the lamb. He
passed me in the left lane in a pickup truck

(38:48):
with a trailer behind it. The truck got past me,
his trailer knocked the whole front of my car off.

Speaker 2 (38:55):
Oh and what did he say happened?

Speaker 11 (38:58):
He's saying that. Oh he says is that he was
behind me, that he was in the right lane and
when I come out, he was behind me.

Speaker 2 (39:06):
Now being me, wait wait, wait he was behind you?
Then how did his trailer hit the front of your car?

Speaker 11 (39:12):
That's exactly what we're saying.

Speaker 6 (39:14):
Well, okay, well there's a common sense factor, like literally.

Speaker 11 (39:18):
How well, if he was behind me, he would have
hit the back of my car. He was out in
the left lane and trying to get into my lane
because there was no other cars, you know how some
of my hurries up to get into the empty lane,
and he swung into the lane. His truck got by me,
and the trailer caught the front bumper of my car.

(39:40):
And just rep no, don't we.

Speaker 2 (39:41):
Get that man? So now how is this affecting you?
Right now? Tell me the situation.

Speaker 11 (39:47):
Okay, my insurance, what I had bought. I spent eight
thousand dollars with everything, not insurance, but with everything else
on the car with at a dealership, I bought the
car and with tex.

Speaker 2 (39:59):
Is the car. What is the car?

Speaker 11 (40:02):
It's a twenty ten Masta c X seven.

Speaker 2 (40:08):
It's a little suv.

Speaker 8 (40:11):
Yeah.

Speaker 2 (40:11):
Okay, so let me let me let me just get
right to the point of the call. Are you complaining
about the value they're putting on the total That's exactly it.

Speaker 11 (40:21):
My insurance company said that the total value would be
a sixty five hundred minus my deductible one thousand. Of course,
it's given me a check for fifty five hundred.

Speaker 2 (40:33):
And what do you think it's worth?

Speaker 11 (40:35):
I think, well, I want to be as I here
on your show all the time. I want to be
made whole.

Speaker 2 (40:40):
Yeah, but you know what being made hole? Jim Jim, Jim,
Jim Jim. Listen, Being made whole doesn't mean making up.
For now, I'm not saying this happen to you. I'm
saying in general, insurance companies don't have to make people
whole if they were stupid when they bought the car. Okay,
they only have to make you whole for the real

(41:02):
value of the vehicle a second before it was just
minus the deductible of course. Yes, so I need to
know how many miles on this twenty ten Mazda.

Speaker 11 (41:14):
Okay, have one hundred and forty nine thousand.

Speaker 2 (41:17):
Okay, you're not going to get more than that.

Speaker 11 (41:21):
Okay, that's yeah, because I'm.

Speaker 6 (41:23):
My only confusion is I thought it was the other
guy's issue.

Speaker 11 (41:27):
Well, the other guy's issue is that he contact is
an insurance company the next morning said it was an accident.
They cannot get him to call them back and say
what happened.

Speaker 2 (41:38):
Yeah, that's a popular hold on. So they're saying they're
saying they can't they're saying they can't help you because
of lack of cooperation. Let me explain something to you.
There are some cases where insurance brokers talk to their
insured and go wink wink, if you don't cooperate with us,

(41:59):
we can't cover it, and we don't have to. And
so I've heard this excuse more and more and more
where they say we can't get our insured to call
us back. He's got to assume them that'll get their attach. Okay,
that's right, Mark, explain that.

Speaker 6 (42:17):
Go ahead, well, you simply take them to small claims court.
You're only looking for under seventy five hundred bucks, so
you're a perfect candidate.

Speaker 2 (42:24):
Do you have any inform me? Tell him it will happen.

Speaker 6 (42:26):
Go on, tell them little how the second you serve him,
he's going to contact his insurance company and go I'm
getting sued. Then this insurance company's going to end up
ponying up the fair value of the car, and you're
not going to have a deductible at that point.

Speaker 11 (42:40):
Now, okay, that's kind of.

Speaker 2 (42:42):
Tell me give me the DESIG model designation again. I'm
almost there. C x seven okay, and I got it.
I'm looking at it right now, and I want to
see the mileage part. Okay, So I have one exactly
like yours, with the same mileage. Actually it's newer than yours,

(43:03):
but the same mileage, the exact same mileage, and it's
only one year newer, and it's sixty nine hundred, which
they say it's at cars dot Com is excellent at
evaluating deals. The twenty ten similar mileage in the six

(43:25):
thousand dollars marks, I'm showing between five and six.

Speaker 8 (43:29):
Yeah.

Speaker 2 (43:29):
Yeah, for private party, meaning they're not they're not cheating you. Bro,
They're not cheating you. You're not going to get more
because you paid more. You understand that, right, right, right?

Speaker 11 (43:38):
I'm happy with my insurance company. My insurance company said
they would be going after his insurance company to get
their money back.

Speaker 2 (43:45):
Well, then you can go after him though separately for
your deductible, right.

Speaker 11 (43:51):
And they yeah, they said they would get my deductible,
So there's no.

Speaker 2 (43:54):
Good in me sub Well, then then what's the call about.
I think everything's going the way it should.

Speaker 6 (43:59):
Well, he's out of one thousand bucks right now, until
you just hear what hit the money back?

Speaker 2 (44:03):
That's right?

Speaker 11 (44:04):
Yeah, yeah, I'm still out of five. I thought I
was at twenty five hundred. But if that's the way
they tell you the car, then I'm basically out of thousand.

Speaker 6 (44:12):
You know what you can do for a second opinion
on that, and they'll actually do it by VIN number
one percent free for you is go to referral list
dot com okay and type in petty as in pe
t t y petty details, give them a call, give
them the VIN number, and they'll tell you what that
vehicle what is a very fair price from an insurance

(44:33):
company and make sure you got sales tax. Did they
give you sales tax?

Speaker 11 (44:38):
Right right, yeah, they.

Speaker 8 (44:39):
Took sales sex.

Speaker 11 (44:40):
The fifty five hundred they gave me figured sales tax.
My other question is this jass that.

Speaker 2 (44:45):
Might be a little low to go buy a car.

Speaker 11 (44:47):
I've been off work. I do deliveries for work, and
I've been off work for nine days now because I
don't have a car.

Speaker 2 (44:55):
Well, call them up.

Speaker 6 (44:56):
They will have stuff between five and ten grand, you know,
call them up. But the other thing you might oh wow,
up mark JFR cars. Yeah good Now. The other thing
I was going to.

Speaker 2 (45:06):
Say to you though, if you've got what kind of
car you need?

Speaker 6 (45:10):
Just anything? I mean, you're not delivering big stuff. You
can have a car right right? You might be able
to get like into.

Speaker 11 (45:17):
Sare I want a dependable piece of transportation?

Speaker 6 (45:19):
Well okay, then here's I'm going to give you another idea.
And JFR can punch the numbers because he could do
new and used too. But you might think about getting
like a little I'm just throwing something out there. Ahondai
Kona for around twenty five grand. You put down five
to ten thousand dollars your payments are only going to
be three four hundred bucks a month, and you have

(45:40):
free oil changes for three years, one hundred thousand mile
powertrain warranty, a five year sixty thousand mile bumper to bumper,
and Key has got some stuff like that too. Then
you're not worrying about anything else.

Speaker 15 (45:54):
Yeah.

Speaker 11 (45:54):
Well, I said at my age, I can't finance a
car in my position because technically I was working for myself.
I don't have credit.

Speaker 6 (46:02):
Hey, you know what I know somebody hold on I
can make I can make this call for you Tom.

Speaker 2 (46:09):
You know, uh John Jones over it Integra.

Speaker 6 (46:13):
Yeah, well, their son passed away about a year ago
and his wife is trying to sell his Toyota.

Speaker 2 (46:23):
What do they call it? It's a Toyota pick up.
What's the popular Toyota tundrum? No, keep going forour runner.
It's a fore Runner. Oh they're good. Yeah, it's got.

Speaker 6 (46:33):
It's probably about one hundred and fifty thousand, I forget,
but it runs really good. And you know they're only
looking three or four thousand for it if they still
have it. So if you're interested in that, give Kelly
your info and I'll pass it along for her to
call you.

Speaker 7 (46:49):
I will do that.

Speaker 2 (46:50):
It's a good little truck too.

Speaker 6 (46:52):
And then if this guy doesn't want it, anybody out
there listening, I've been promising them i'd mention it and
it just came up.

Speaker 11 (46:58):
Now, okay, yeah, let me get the first shot of
doing it. I mean, I got the money now from
my insurance.

Speaker 2 (47:04):
I'll do it. I promise I'll do that.

Speaker 6 (47:06):
In fact, just make sure Kelly's got your info and
I'll reach out to you.

Speaker 16 (47:10):
Man.

Speaker 11 (47:11):
Okay, thank you very much.

Speaker 2 (47:12):
Now do I get a dinger?

Speaker 7 (47:15):
Yes?

Speaker 2 (47:15):
You do give me that dinger, big man. Okay, hold on,
let me I gotta find it.

Speaker 9 (47:20):
You know.

Speaker 6 (47:21):
No, man, he's still he's been looking for his danner
for three years.

Speaker 2 (47:25):
There. I just did you. Thank you?

Speaker 8 (47:28):
Okay, so hey, fourth car in a year and a half, all.

Speaker 2 (47:32):
Right, give kill my gosh, it's fourth and a year
and a half. Wow, we got more coming right up.
We'll come back to Jennifer at with a Verizon problem.
I'm Tom Martino. Yeah, sorry, 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,

(47:57):
no obligation in comparison call Compass Insured paying too much
your coverage at dozens of insurance companies find out now
three all three seven seven to one. Help You'll think
you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with
Remax Alliance three all three nine two zero sixteen twenty two.

(48:19):
Hi Tom Martino here, Welcome to the show.

Speaker 5 (48:22):
Three oh three.

Speaker 2 (48:23):
Seven one three talks seven one three eight two five five. Jennifer.
What's going on with Verizon? Welcome? What is happening?

Speaker 8 (48:32):
Hey?

Speaker 2 (48:32):
Hi Tom?

Speaker 17 (48:33):
Hi you Jennifer. Yeah, I'm just having some trouble with Verizon.
My mom has been with them for eight years and
I she's up in age in her nineties. So years ago,
I'm talking like three or four years ago, I actually
had the power of attorney, actually went and had back,

(48:54):
They backed to the company that I would be allowed
to speak on her behalf anything.

Speaker 2 (49:00):
How old is your mom in her nineties? Okay? And
you were. It's called an authorized agent or authorized user
or so you can talk like sus does that with
a lot of my accounts. So what's going on?

Speaker 17 (49:15):
So I went through all that trouble and they it
was a waste of time. It didn't go through.

Speaker 7 (49:22):
I guess.

Speaker 17 (49:22):
So every time I called, just for simple things like
there's problems with the phone, or for example, last.

Speaker 2 (49:30):
Month, why don't you just pretend you're her?

Speaker 10 (49:34):
Oh I've never Yeah, right now.

Speaker 2 (49:36):
I don't.

Speaker 17 (49:36):
I guess I don't sound old enough. Maybe they wouldn't
believe me.

Speaker 2 (49:39):
Well it wouldn't matter. You don't have to. You could
sound like me and they'll believe you. Yeah, it doesn't matter.
I mean, this is a bunch of crap that people
go through, but you could just you know, all the
questions they're going to ask about your mom, right, very much?

Speaker 17 (49:55):
So I do I have to sort of be her.
You know, memory is not that great either, So so
what I've been doing and what I did last month
because she didn't get a paper statement she do. You know,
I thought it was a holiday, you know, Labor day.
So what happened is the person I spoke with they
actually allowed me to talk. She said she gave verbal

(50:17):
agreement that I could speak. So they said, don't worry. Well,
somebody must have taken that feature off, and we were
we would say.

Speaker 2 (50:25):
Look, did do you have online access? Do you have
online access.

Speaker 17 (50:30):
Well, no, create email.

Speaker 2 (50:33):
Listen, listen, if you have a bill, listen, if you
have a bill, create an online access.

Speaker 17 (50:41):
Well I guess I could, But can I get to
the meat of the problem.

Speaker 2 (50:45):
Yeah, what is the problem?

Speaker 17 (50:47):
So, so what happened is they said, don't worry, we're
gonna switch that back on next month. You will be
getting paper statements again. So my mom has me go
to the Verizon store and I pay cash. That's the
way she so I didn't. Yeah, my mom's kind of
old fashioned. Not on mind, it's not a problem.

Speaker 2 (51:06):
So what's the big deal. Let's talk about the.

Speaker 17 (51:07):
Proble, the big deal? The building come again this month.
If I get on the phone and I have my
mom gives the verbal.

Speaker 2 (51:14):
Jennifer, why can't seriously look at I'd love to help you,
but it's kind of like it's it's kind of like weird.
I mean, you can just go online. Your statement is there,
you can print it if you want it. Why don't
you just go online and create an online account for you?
I mean, it's there already, Tom.

Speaker 17 (51:35):
I'm done with them at this point after eight years.
My reason for this call today, Tom is I want
to know what other companies besides Comcast that I can
get the same service with her. She calls it a
dumb phone. You know, it's just a it's a phone
in AT and T your old fashion.

Speaker 18 (51:52):
Phones, do you know it?

Speaker 2 (51:53):
Asks like you're not going to find.

Speaker 5 (51:55):
Do you give me advice?

Speaker 2 (51:56):
You're not going to find. You're not going to find
a dumb phone anymore.

Speaker 6 (52:00):
Wait a minute, Wait a minute, So she when you
say a dumb phone like a house phone.

Speaker 17 (52:05):
Yes, it's a house phone.

Speaker 6 (52:07):
Do you have internet? Do you have internet at your house?

Speaker 10 (52:13):
No?

Speaker 17 (52:13):
She does not and does not want internet.

Speaker 2 (52:15):
Oh god, I was going to say magic. Listen, you know, Jennifer. Unfortunately,
I'm serious. Okay, I know what you're I know what
you're faced with. You want a simple phone, paper bills,
and you want to pay cash. There are there there.
It might be it might be that you can't be
accommodated any longer. Really, what about just let's let's just

(52:41):
face reality. They're phasing certain things out. So I'm not
gonna sit here and pretend I'm going to help you
if I can. There are companies that will not send
out paper bills, there are companies that will not accept cash,
and there are companies that don't have simple phones. Wait wait,
I've got an idea.

Speaker 16 (53:01):
For what about something like cricket Tom.

Speaker 6 (53:04):
That's yeah, that's going to be just any phone that's
just service. Look at look at jitterbug.

Speaker 2 (53:10):
What is it?

Speaker 17 (53:11):
But that's the thing. She doesn't like change and she was.

Speaker 6 (53:14):
Freaking It doesn't matter. Jitterbug is the easiest thing to
ever use. If you want, you look at it, you
program it. There could be a picture of you and
she hits the picture of you and it'll call you.
She doesn't even have to It's so easy, it's unbelievable. Really, yeah, jitterbug.
But I'm thinking of getting one for time's up.

Speaker 2 (53:36):
There would be so listen, listen now now she so,
Jennifer added another wrinkle. Number one, she wants paper statements.
Number two, she wants a simple dumb phone. Number three,
she wants a place she can go and pay cash.
Number four, she doesn't want change.

Speaker 17 (53:51):
I'm I'm willing. I'm to the point now where I
could set up I could just do everything undermine.

Speaker 8 (53:59):
It's my she's the old Jennifer.

Speaker 2 (54:02):
Yeah, but but hold on, Jennifer, I want to ask
you straight up. You said she doesn't want change. So
what do you mean she wants to keep the phone
she has?

Speaker 17 (54:10):
I think change meanings she wants to keep the AT
and T phone. I'm the one that is upset about
the billion mark?

Speaker 2 (54:18):
What what is the what is the you said Verizon?
Is it Verizon or AT and T?

Speaker 17 (54:24):
It's Verizon? But she has an AT and T phone
that she dials with, That's what I mean.

Speaker 2 (54:30):
Okay, Well, it's not an AT and T phone and
it's not a Verizon phone. Mark? Are they cdmas? Do
you know which phone that is? Mark?

Speaker 8 (54:39):
What?

Speaker 6 (54:39):
A Verizon? If it's older like that, it's not going
to have a SIM card. It's going to be built
in and most likely will only work on the Verizon network.

Speaker 2 (54:48):
Yeah, but she said it was an AT and T phone,
which is weird. Jennifer, Just wait, doc, please is it
an AT and T phone or is it a Verizon phone?
It's not a wait wait, how old is it?

Speaker 10 (55:03):
Oh?

Speaker 14 (55:03):
I just thought it?

Speaker 6 (55:04):
Ye, Okay, then it could be it could possibly be
on both networks.

Speaker 2 (55:09):
Okay, now here's the deal, Jennifer. Do you know if
it has a SIM card?

Speaker 17 (55:15):
No, it's not even that sophisticated. It's no old phone
like we used to have back in the day that
you would plug into the wall. But this thing plug
into the Verizon box.

Speaker 2 (55:26):
Okay, Tom, she's just got here.

Speaker 6 (55:28):
It's just like Magic Jack, She's it's it's any phone
that you can buy at Walmart.

Speaker 2 (55:34):
And I'm talking like the old cy phones. Okay, they're
talking about a magic You're right, that's exactly so. This
is not a cell phone. No, it's literally an old
AT and T. We should have let we should have
led with that. It's not a cell phone.

Speaker 16 (55:49):
I know.

Speaker 2 (55:50):
It's like now Comcast will be worse Comcast. Yes, why
don't you just get her a quest?

Speaker 7 (55:59):
Or not?

Speaker 2 (55:59):
Quest? What are they now?

Speaker 6 (56:00):
Century Link landline and call it done? What are they
twenty bucks?

Speaker 2 (56:03):
My god? Of course, But Mark, she can't get the
landline without broadband.

Speaker 6 (56:10):
They don't do those anymore. Yeah, I think they do. Absolutely.
In fact, I can have. I have one at my house.

Speaker 2 (56:17):
So to Stephanie, Yeah, I do too.

Speaker 17 (56:19):
Wait, that's what That's what I want to know. That
was the premise of my quest. I want to know.

Speaker 2 (56:24):
Why do I call them? Quest? Century Link? Yeah, Centry Link?
Are you sure, dude? I've got them at my house?
Now ask me do.

Speaker 6 (56:33):
I I don't know if you can get new ones
because of DSL. That's the only Internet I can get. Well, Mark,
you just said it was just a phone line. I
just said, if you can't get a phone line, you're
you're missing me. That's what the DSL is sent over.
I can add an actual phone line to it if
I want. Yes, you can.

Speaker 2 (56:51):
But you're paying for way more than a phone line,
whether you use it or not. Hey, that's what I'm
getting at. She's going to be paying for broadband whether
she uses it or not.

Speaker 6 (57:03):
I think she can get just a landline for about
twenty bucks.

Speaker 2 (57:08):
What's it say? What's it say, Shannon?

Speaker 8 (57:10):
Reliable and affordable landline phones for your family?

Speaker 6 (57:14):
How about on your website on quest or stop saying
Sentry Link.

Speaker 2 (57:20):
You know what, Jennifer, why don't you call Sentry Link
okay and then call us back. We'd all love to
hear how much it is seriously.

Speaker 17 (57:30):
On the internet and go to Sentry Link and then
go from there.

Speaker 2 (57:34):
Have you never heard of Century Link? You said you never?
You said you don't get on the internet, right.

Speaker 17 (57:41):
No, I have internet at my house. This is my
mom's house. I'm totally with it. It's just my mom's
old school, you know. But I can do I'll do
whatever it takes to get Okay.

Speaker 2 (57:51):
If that doesn't work, then contact HG. Wells. Okay, no
one's going to get.

Speaker 6 (57:58):
That, right, I got it. That's very mean of you, though,
what why does it mean?

Speaker 16 (58:03):
HD?

Speaker 5 (58:03):
Wells?

Speaker 2 (58:04):
He wrote time machine.

Speaker 6 (58:06):
Oh I thought he was like the inventor of the telegraph.

Speaker 2 (58:09):
No, he wrote time machine. He can shake and go
back in time. You should tell her to look for
a century link in the Rocky Mountain News. But really, truly, operator,
don't listen. I think that was a good recommendation. Thank
you Shannon for looking at up Centry Link can help
Sentry Link, Yeah, call them. Yeah, you can still get

(58:29):
a landline. Now why you would get one? I still
don't get one. Clear Choice Garage Door is the place
you want to call for great garage doors, the actual
doors themselves of all kinds. They're factory authors remost doors,
also garage door openers. They'll come to your home. They'll
have all their prices on the website. They can fix
the door, replace the door, the openers, any part of it.

(58:51):
One Clear Choice Doors dot Com go with a your 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. Comparison call Compass Insurance paying too

(59:14):
much your coverage at dozens of insurance companies find out
now three all three seven seven to one.

Speaker 5 (59:19):
Help.

Speaker 2 (59:19):
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. Hi Tom Martino here three three seven

(59:40):
one three talks seven one three eight two five five.
All right, so let's go to my texts, and we
have one on real estate. My neighbor's house has been
on the market for thirty days and has not had
one showing. Is that unusual? It's in a very good

(01:00:03):
neighborhood in Denver, Frank, even Stephanie, I mean, you know,
let's talk, you know, Tom, here's the deal. Thirty days,
not one showing. Yeah, thirty days, not one showing. You know,
here's the thing?

Speaker 15 (01:00:17):
Right?

Speaker 5 (01:00:17):
Two things? I would say. Number one is definitely visit
if they're hitting the right price, Mark, Tom, you should
have showings. Now here's the thing. Some areas are flooded
with more inventory than others. So I saw one property
was on the market thirty five days, three showings, and
got a very good offer on the thirty fifth day.
In fact, it had competing offers. So in this kind
of market, it's a little back and forth sometimes depending

(01:00:39):
on the area. But I would say zero showings in
thirty days does seem a bit unusual.

Speaker 4 (01:00:45):
Yeah, I would say, honestly, I see slow showings right
now across the board for a lot of my properties.
And I did pull some specific days on market that
I can give you, and it's really property dependent. But
absolutely no after a month that would be a conversation
between me and my seller on how we want to reposition.

Speaker 2 (01:01:05):
You know, I have a neighbor guys and I like her.

Speaker 6 (01:01:09):
She got divorced a while back, like a year, and
we know both of them. But they put the house
up because you know, the proceeds are getting divorce, they
got to sell the house. They listed it at a
number that I never thought they'd get, and they haven't
got it. So what I'm finding now is they get
zero listings. I mean no, they don't even get Luki
lose and My guess is, and I want your advice

(01:01:32):
on this, it's because the house has been on the
market for over a year and they've moved the price
a little, but like twenty thousand here, ten thousand here, they.

Speaker 2 (01:01:42):
Barely moved it at all. But if you look at.

Speaker 6 (01:01:45):
How long it's on the first thing I would think
is what the hell is wrong with that house? Because
everything else in frank Town is selling quick.

Speaker 2 (01:01:54):
But the reason this house.

Speaker 6 (01:01:56):
And it is in great shape, isn't selling quick is
because it's been on the damn market for a year.

Speaker 2 (01:02:01):
Is that good?

Speaker 5 (01:02:02):
Yeah, Mark, I would tell you this, chances are very
good they're missing the market. And here's the thing. When
you sit on the market that long. Think of a
quarterback in the pocket. There's a timing he's got to
get rid of that ball. And when he sits in
the pocket too long pedaling around, you know what happens next?
He takes a sack.

Speaker 6 (01:02:15):
So if it's if it's my neighbor or this person,
what do they do?

Speaker 2 (01:02:19):
I mean, what do they do?

Speaker 3 (01:02:20):
Well?

Speaker 5 (01:02:20):
Here, here's what I would say that they should definitely
revisit where the market really is and meet the market
at its highest point because sometimes and I don't know
this seller, but sometimes sellers will base the price on
their emotions or what they feel versus what the market's
going to pay. And unfortunately, if the realtor and the
seller's the three highest bidders, that doesn't do much good
on the open market. So the key is where's the
open market?

Speaker 2 (01:02:41):
Pain?

Speaker 16 (01:02:42):
All right?

Speaker 2 (01:02:44):
Three h three seven one three? Talk? Let's talk to
Is it holla? It sounds like part of Hallelujah? Is
it holla?

Speaker 6 (01:02:52):
Or hala himalaa?

Speaker 2 (01:02:57):
Part of Hallelujah? Is your last name?

Speaker 7 (01:03:00):
Uh?

Speaker 2 (01:03:00):
Never go ahead, what's going on?

Speaker 10 (01:03:02):
It could be hey, hia, question for you. During a
reserve study, they left out a key component and it was.

Speaker 2 (01:03:12):
A p for those listening. A reserve study means they
look at the coffers to see if they have for
emergencies and stuff and they have a certain amount in reserve,
and if not, they do an assessment of all homeowners.
Is that what we're talking about?

Speaker 10 (01:03:26):
Yes, sir?

Speaker 2 (01:03:27):
Okay, keep going okay.

Speaker 10 (01:03:29):
So they left out a key component, which was a
four million dollar project, which, of course student in our favor.
What do you call this? Do we call it misrepresentation? Well?

Speaker 2 (01:03:42):
Well, first of all, holla, I don't understand who did
the study, the reserve study. Was it the management company
or the HOA?

Speaker 10 (01:03:49):
No, it's a professional company that does reserve studies.

Speaker 2 (01:03:52):
Okay. Now, And when they did a reserve study, they
left out what you called a four million dollar project.
What is this four million dollar dollar project?

Speaker 10 (01:04:02):
Infrastructure?

Speaker 2 (01:04:03):
Well, tell me what it is? There was okay, So, okay,
is this infrastructure? Is this, by the way, a single
family home community or a condo or town home?

Speaker 10 (01:04:16):
It's a condo.

Speaker 2 (01:04:17):
And are you telling me the four million dollars has
to be spent in the near future.

Speaker 10 (01:04:23):
I'm telling you that when they did a investigation a
couple of years ago, they determined and it was it
was an investigation of about thirty thousand dollars. But there
were problems they could be coming up, there were areas
that should be treated.

Speaker 2 (01:04:40):
Did they say it would take four million dollars? And
if they did over what period of time?

Speaker 10 (01:04:51):
If they did the full project, the scope of the
work would have probably taken I'm guessing eight months to
a year.

Speaker 7 (01:05:00):
A guess.

Speaker 2 (01:05:02):
Okay. Now, So if you have a four million dollar
liability coming up and they said your reserves were fine,
do you have Do they have the four million in reserve?

Speaker 10 (01:05:16):
No, but that's the question. They did not include that
four million in our reserve study, so we look okay, right?

Speaker 2 (01:05:23):
But what what tell me this though? What incentive would
an independent company have to leave that out to make
you look better than you are?

Speaker 8 (01:05:32):
What?

Speaker 7 (01:05:32):
What?

Speaker 2 (01:05:32):
What? What's their incentive.

Speaker 10 (01:05:35):
And make us look better than we are?

Speaker 2 (01:05:37):
But why? What?

Speaker 1 (01:05:38):
What?

Speaker 2 (01:05:38):
What's their incentive that I don't understand. They're going to
get paid whether they make you look good or not.
What is their incentive.

Speaker 10 (01:05:46):
They're taking direction? I have no idea. I just want
to know.

Speaker 2 (01:05:49):
Do you think wait, wait wait, do you think the
h o A told them make us look good? Do
you think the h o A didn't tell them?

Speaker 8 (01:05:57):
What?

Speaker 2 (01:05:57):
What do you see? You're you're telling me, but I
don't know what you're telling me. Are you telling me
there's something underhanded going on?

Speaker 10 (01:06:08):
I'm just trying to find a legal definition of what
they did.

Speaker 2 (01:06:13):
Okay, listen or halla. If if they intentionally left out
pertinent information and they were paid to do an accurate
study and they purposely left it out, it's negligent, Okay.
If Behua didn't tell them about it, it's not their problem.

(01:06:36):
That's what I'm saying. You're leaving so many holes in
the story. There is no legal name for what they
did because I don't know if they had the information.
They can't discern it out of thin air.

Speaker 10 (01:06:47):
They ask questions, what's that?

Speaker 2 (01:06:50):
How do you know they had the information?

Speaker 10 (01:06:53):
Because I was there, I know. I tell them, you've
seen it, it's documented. It's okay.

Speaker 2 (01:06:57):
Now Here's what I want to know. Halla, did you
ask them or the HOA why this was left out
of the Reserve study?

Speaker 7 (01:07:09):
Not yet?

Speaker 2 (01:07:10):
Well, why don't you? Why don't you because I don't
know what you're driving at. Here's the point, Whether they
make you look good or not. What difference does it make?
Here's what I want to know. What difference does it make?
Do you understand why I'm asking? There's a reason I'm
asking that. Holla. I promise you that I'll give you
some information, but I got to take this break. Please

(01:07:31):
hang on. There's a reason I asked that question. I'm
Tom Martinez. We have more coming up. 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

(01:07:54):
Insurance paying too much your coverage at dozens of insurance
companies find out now three O three seven to seven help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, you're Troubleshooter. So we're

(01:08:17):
giving a deputy d an Indian email, right, and he
wanted his name on there. And I don't mind. You
know Dimitri at troubleshooter dot com. But I want to
ask my YouTube morns and everyone else, how would you
spell dimitri? OHK, say Mark, So I used to spell
it DMI tri I right, He said no, there's no

(01:08:38):
I in the beginning, so it's DMI, but then there's
a Y at the end. I would never spell at
d M I t R Y. I mean, I know
that's how it's spelled, because that's his name, But I
don't know, doc, would you know how to spell Dimitrie?
Let me tell you how this.

Speaker 16 (01:08:54):
He must have had work woke parents who are just
trying to be different with you.

Speaker 2 (01:08:58):
No, I don't think it was different. I think gets
traditional Russian, isn't it?

Speaker 19 (01:09:01):
None of it?

Speaker 2 (01:09:02):
Is it traditional? I mean, let's let me go to
a wide shot here. Of none of it matters.

Speaker 5 (01:09:07):
That spelling.

Speaker 2 (01:09:08):
He was picked by some immigration officer in New York City. Yeah,
but none of it. I stuck with it, guys, None
of it matters.

Speaker 6 (01:09:15):
What do you mean when you create his email, spell
it fifty different ways, but they all go to the
correct spelling and from the correct spelling.

Speaker 2 (01:09:23):
You know that, just like mine is mark with the
C and A. Kay. Okay, I can do alternates, you mean, like, yeah,
and that's all under the same email you get it? Yeah,
I know they're called yeah whatever.

Speaker 16 (01:09:36):
Okay.

Speaker 2 (01:09:37):
You know we'll let the new tune of the country
we have mar coming up 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

(01:09:59):
too much your coverage at dozens of insurance companies find
out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty.

Speaker 1 (01:10:14):
Two D.

Speaker 2 (01:10:24):
So you don't have the.

Speaker 1 (01:10:27):
Come running just as fast as we can. Shooter's gonna
help come. Man, This is.

Speaker 2 (01:10:35):
The Troubleshooter Show. Now Tom Martine, Hey, I'm Tom Martino.
Welcome to the show. Let me just get that button
so I can get our faces up. Yeah. We're here
to help you solve problems, answer questions, take complaints, make
your life a little easier. And we have, of course,
all of our peeps with us today. We have Frank

(01:10:56):
durand the real estate Man dot com. We have Stephanie Thomas,
Stephanie ri dot com. Stephanie is a real estate broker
in the Springs. Frank Dran the real estate Man is
a Denver Metro and beyond. And then we have a
deputy doc there and we have a major Mark Major
of course. And then I only see hands to the right.
Who's that right there? Who's in the studio. That's Mikey. Oh,

(01:11:17):
Mikey's here. Okay, we got a picture of his ugly
car we're posting, but it matches that ugly dog you
And now the ugly dog is a cute dog. Now,
that car, other than being slow, it's a nice car.
I mean, it looks nice.

Speaker 6 (01:11:32):
It's one of those it's one of those things that
looks really good.

Speaker 2 (01:11:37):
It's like a really good looking woman. But the first
dog down. But I'm gonna put the dog back up
because i think I'll explain to people what we're even
talking about. As far anyway, for those on our YouTube stream,
Stephanie Thomas was bragging about how cuter dog was and
we wanted to do and we want to do a
poll on it. And that's Mikey's dog to Mikey and

(01:11:58):
Stephanie so and Mikey does our it and a lot
of it stuff and so anyway, there there's the dog,
gee and Odin and then we're gonna show a picture
of that ugly car in a minute. Three ugly seven car,
Yeah yeah, three all three seven, one three eight, two
five five. By the way, whatever, we can do this,

(01:12:21):
by the way, with any problem, if you send us
photos of the problem itself, we will post them for
those streaming the show as well and for downloading later.
So let's go back to Halla and we had holla
on about her HOA. Now I'm not trying to be
a wise guy here, but what I'm saying is usually

(01:12:44):
when there's something bad going on, there's usually a reason.
So she said, they hired a company. The HOA hired
a company to do a reserve study of their finances
to see if they had to do any assessments in
the future or where they stay and financially on cash flow.
And this company left out a four million dollar what's

(01:13:07):
called contingent liability. What a contingent liability means is it's
probably going to happen soon. Should you include it? Well,
that depends. If the HA told them to include it,
they should include it. If the HA said leave it out,
they should leave it out. But obviously, with four million
dollars of contingent liability, if you left it out, it

(01:13:30):
would show you have adequate reservesurance for insurance, deductibles and
deferred maintenance and whatever else should happen. Okay, Well, most hoas,
by the way, for condos and town homes are going
to find they don't have enough in reserves because most
insurance companies now are either not ensuring the roof or

(01:13:55):
ensuring it for ACV actual cash value or huge deductible,
So that alone would cause havoc with hoa's But holla,
may I ask why did your HOA do this study?
To begin with? What was the reason for it? We
do it.

Speaker 10 (01:14:13):
We do it consistently every three to five years. It's coe.

Speaker 2 (01:14:16):
You guys are pretty smart to do that. Did they
take into consideration deductibles? Like did your insurance change lately
about deductibles?

Speaker 10 (01:14:25):
No?

Speaker 2 (01:14:27):
Okay, are you on the board? Halla?

Speaker 16 (01:14:29):
No?

Speaker 10 (01:14:30):
Okay, been on the board, but I'm not now.

Speaker 2 (01:14:33):
No, you sound knowledgeable. That's why I asked, Okay, So
they left out the four million dollar contingent liability that
they knew about. Were they given instruction to do a
reserve study without that in it?

Speaker 10 (01:14:46):
I am not privy to what they told the Well.

Speaker 2 (01:14:51):
That would be important because if you could show, if
you listen, if you could show that this company, this
accounting firm, and whether it's really an accounting firm, but
that's what they are. They accounted to this, Okay. If
this accounting firm did an HOA reserve study and left
out a four million dollar contingent liability which showed an

(01:15:14):
artificial surplus.

Speaker 10 (01:15:16):
Only because they didn't have the information, only because they
were not given the information.

Speaker 2 (01:15:22):
Who did not give them? I thought you said they
were given the information.

Speaker 10 (01:15:26):
No, that's the whole thing. They were not given the information.
It should have been divulged as the package that it
wasn't announced.

Speaker 2 (01:15:32):
Okay, So the HOA is the one that did not
give the information.

Speaker 8 (01:15:37):
Correct?

Speaker 2 (01:15:38):
Okay, Now I understand was the HA trying to hide
it or look good? Is that why they did that?

Speaker 15 (01:15:45):
Well, I'm logically, if you add inn x amount of
money and you come out in the red or beyond
the red, then you must assess going forward what you
have to do to correct, which means.

Speaker 2 (01:15:58):
YEA and the HA maybe didn't want to tackle the
subject of assessments.

Speaker 10 (01:16:02):
Correct correct could be Now, I want to know what
you would call this. It's an omission.

Speaker 8 (01:16:09):
If that's right.

Speaker 2 (01:16:10):
Hold on, you just said it's it's not negligent on
the accounting firm. It is. It is negligent and omissions
of the board members correct, which, by the way, most
HA agreements and by laws indemnify those board members from this.

(01:16:32):
So in other words, you can't actually go after them
and holla. To be honest with you, this may sound
strange to you. While it is wrong, it's not creating
any damages. There are no damages. In other words, See,
I want you to understand this concept, and I hope

(01:16:52):
those listening will understand this. Let's say they included the
four million dollar contingent liability and therefore there was going
to be an assessment to each owner in the next
two years of five thousand dollars let's just say that,

(01:17:13):
or more whatever, ten thousand dollars. Let's say if they
included the four million dollar liability, there would be an
assessment needed of ten grand. Now by the HOA, leaving
it out, it did not damage anyone. They're not going

(01:17:33):
to have to pay more than ten grand. It was
going to be ten grand whether they included it or not.
So where is the damage is? Because yes, you could
have emissions, But what is the damage? What is the
consequence of leaving it out? Kala?

Speaker 10 (01:17:57):
Well, Tom, now that you point out the damages caused
at this point we happened, but we could in the future.

Speaker 2 (01:18:05):
Now somebody, well, no, you wouldn't have damages in the future.
You would have an assessment that was going to come
whether they included it or not. The fact that you
weren't warned about. It is not a damage.

Speaker 10 (01:18:18):
So then I guess the next question is during a
sale of real estate, you just have to be listed as.

Speaker 2 (01:18:25):
Now they're hollam, hold on, now, let's delve deeper. Let's
say that you guys, one of you sell your condo
and the buyer wants to know although buyers, Frank and Stephanie,
I want to ask you straight up, did you ever
have a buyer or did you guys ever look into
the hoa to see if there are contingent liabilities for

(01:18:50):
future assessments When I.

Speaker 4 (01:18:53):
Go to list a town.

Speaker 2 (01:18:55):
Home or not list not that would not be right. Yeah,
this kid don't find it.

Speaker 4 (01:18:59):
I always go and I ask because if we know
of something, we do have to make disclosure.

Speaker 2 (01:19:05):
I'm not talking about that. I'm talking about when you.

Speaker 4 (01:19:07):
Go to buy one for so we get provided information,
but honestly, unless they disclose it to us, we would
just right.

Speaker 2 (01:19:14):
Yeah, that's exactly right. But do you ask about contingent liabilities?

Speaker 5 (01:19:19):
Yes, Tom, and we also asked for the meetings minutes,
if they have any copies or any rumblings of any
special assessments coming up. That's a biggie. So anytime we
work with a buyer, that's the first thing we ask
on an h.

Speaker 2 (01:19:29):
Way, okay, good. So if somebody went to buy a
unit there Halla and they discover there is a future
assessment coming and they decide not to buy there, no
one caused that it was going to happen anyway. So

(01:19:51):
if it was disclosed, the person probably wouldn't buy. And
if it was not disclosed and the buyer discovered it,
they would probably not buy. Now here's the one time
I could see a damage. Let's say that you're selling
your unit Holla, and I go to buy your unit

(01:20:11):
and no one mentions this assessment and I am relying
on a faulty reserve study. So I buy the unit
and in two years or a year and a half,
I'm assessed with ten thousand dollars and I'm really pissed.

(01:20:32):
And I say, you know what, I wouldn't have bought
this place had I known I had to pay ten
grand in a year and a half or a year,
and I would look for a cause. And if I
found out that that information was withheld by the HOA,
I would possibly want to go for damages. My damages

(01:20:52):
would be I wouldn't have bought the damn place, and
I don't want to pay the ten grand I think
that could haunt people in Holla. Maybe I come after
you too, because you sold it to me without disclosing it.
Of course you could say I didn't know about it,
but see, maybe you did know about it. It would

(01:21:13):
get really messy. So I can see where that would
be a problem. So now the more important question, holla,
is what do you do about it? Is the HUA
willing to redo the study including that information, or perhaps
they don't believe, Perhaps they don't believe they're going to

(01:21:35):
have to redo their sewer. Maybe they said, hey, that's
just someone's opinion, we don't agree with it.

Speaker 10 (01:21:43):
Well, that will play out in the future.

Speaker 2 (01:21:45):
Well, you now haveing knowledge of this, you will have
to tell somebody who buys your place.

Speaker 9 (01:21:52):
Correct.

Speaker 2 (01:21:53):
And by the way, how many units are in there?
Two hundred and fifty?

Speaker 5 (01:22:00):
Yeah, and Tom, it's probably important to note too. In
the contract sixteen point two association assessments, it says any
special assessment assessed prior to closing by the Association will
be the obligation of And then there's a box buyer
seller accept date a buyer's signature herein, whether assessed prior
to the date or after closing, will be the obligation

(01:22:21):
of the seller, unless otherwise specified. An additional provisions seller
represents there or no unpaid regular or special assessments against
the property. Accept the current regular assessments.

Speaker 2 (01:22:30):
And and that's right, Frank, because there isn't one, and
there won't be one until they decide to redo the sewers.
And guess what that's going to be. Sixteen thousand dollars
per unit? Sixteen thousand dollars. So holla, tell me this.
What if they they say, you know what, this is

(01:22:53):
going to happen within the next twenty four months, right,
So what if they said to each home owner? What
if they did disclose and they said to each homeowner,
you know what, guys, your ho a monthly fees are
now going to go up six hundred sixty six dollars
a month for the next two years. What would the

(01:23:15):
homeowners do there? What is yours? What is your monthly fee.

Speaker 10 (01:23:18):
Now at a very very unit of what.

Speaker 2 (01:23:22):
Is it roughly?

Speaker 10 (01:23:25):
So you huh four for eighty okay?

Speaker 2 (01:23:29):
So if it went up to over one thousand dollars,
what would the homeowners do there.

Speaker 10 (01:23:34):
I am not sure because, as you shall, there's a
lack of participation in any type of meeting, or how
many just don't seem to.

Speaker 2 (01:23:46):
I'm going to tell you something right now, I would
never ever ever own a condo or a town home
right now. Now, Here's why. Here's why. Not because they're
not great ideas. They are great ideas, but the homeowners
all want to pay as low as they can in hoafees,

(01:24:06):
and somehow believe those hoafees are somehow going to some
invisible third party who's in Tahiti partying, and those HOA
fees are for maintenance of the facility they live in,
and they are in lieu of painting your home and
fixing up your home and redoing the sewer in your
home and having to do a panel upgrade in your

(01:24:27):
home or the HVAC in your home. People don't understand that,
so as a result, they make it hard for the
HOA board to raise fees. Then when an emergency comes up,
or a contingent liability or an insurance loss comes up,
they're short the money, and all of a sudden, an
assessment comes out and I get a phone call saying

(01:24:50):
I don't want to pay this assessment. How can they
do this to me? And I say, they are not
doing it to you, it's your place, You're doing it
to yourself. I'm Tom Martino Moore coming up. Go with
a sure thing Denver's best roofer Excel Roofing dot com.

(01:25:13):
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven to
one help. You'll think you're his only customer when you
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(01:25:34):
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. I'm Martino here three O
three seven one three talk seven one three eight two
five five. All right, John, what's going on with Walmart
and straight Talk? John?

Speaker 19 (01:25:56):
Yes, Tom, Yes, problems. I'm having difficulty with an iPhone
twelve and Straight talks silver plan which is supposed to
be which is unlimited data. And Walmart has a promotion
where if.

Speaker 2 (01:26:17):
You buy a it's Walmart. Is Walmart the only one
that offers that smart thing straight talk straight Talk, Yes, okay,
go ahead.

Speaker 19 (01:26:30):
The promotion is by a brand new iPhone twelve for
two ninety nine, and that's how you qualify for twelve
months of a reduced rate of straight Talk, which is
regular forty five dollars a month for unlimited data, and

(01:26:51):
the promotion price is twenty dollars a month. So it's
a pretty good deal.

Speaker 2 (01:26:57):
And that is the only reason you bought it.

Speaker 19 (01:27:01):
Yes, that's the only reason I bought it, and I
changed from a different.

Speaker 2 (01:27:08):
So you bought an iPhone twelve on Walmart's straight Talk
plan with unlimited data for the introductory offer and you
didn't get it.

Speaker 19 (01:27:18):
Yes, that's correct, I.

Speaker 2 (01:27:19):
Bet, and it was just it was it an even
twenty bucks a month? Or is that I'm nineteen ninety nine,
what is it?

Speaker 19 (01:27:26):
It's an even twenty dollars a month and they advertised
it that staves you twenty five.

Speaker 6 (01:27:31):
Yeah, so no, here's how it reads. I'm right on
straight talk site, so everybody understands. So you buy the
phone for whatever. It doesn't say the price of it,
but an iPhone twelve. Their normal price for the silver
plan is forty five dollars a month. But because you
bought the phone at Walmart and you're signing up your
first year or first twelve months, you get a twenty

(01:27:53):
five dollars credit towards your bill, which would bring your
monthly bill to twenty dollars a month instead of forty five.

Speaker 2 (01:28:02):
Is that correct?

Speaker 7 (01:28:04):
Yes?

Speaker 2 (01:28:04):
Yeah, that is for how long?

Speaker 7 (01:28:06):
Mark?

Speaker 2 (01:28:06):
How long?

Speaker 6 (01:28:07):
Does this twenty for the first twelve months? Then it
goes to the forty five a month? Okay, so what
tell me why they're not honoring it?

Speaker 19 (01:28:16):
Okay, I'm three months into this. They keep charging me
full price at why I called?

Speaker 7 (01:28:23):
Why trade talk?

Speaker 19 (01:28:24):
If you call them?

Speaker 13 (01:28:25):
If we call them.

Speaker 19 (01:28:26):
Right now, the customer service person says, I don't know
anything about this.

Speaker 2 (01:28:32):
I'm sorry, Are you kidding me? Wow?

Speaker 6 (01:28:36):
That's that's like, that's a horrible answer. That's crazy.

Speaker 19 (01:28:42):
There's there's there's no credit. I've asked Walmart.

Speaker 2 (01:28:47):
What does Walmart say?

Speaker 8 (01:28:50):
Uh?

Speaker 19 (01:28:50):
I just got off the phone with Walmart for you know,
I've called, I've asked them. They've helped me several times.

Speaker 2 (01:28:57):
Try to look, who are we going to put on this?
Somebody to gacious, is gonna sink their teeth into this crap?
Because this gives me a headache thinking about it.

Speaker 16 (01:29:05):
I'll talk to him.

Speaker 2 (01:29:07):
You're gonna you're nice, Doc, Doc, Yeah, I'll talk to him.
More power to you. If you can get a hold
of someone at Walmart or somewhere to set this straight,
more power to you.

Speaker 16 (01:29:14):
I will do my best.

Speaker 2 (01:29:15):
Wow. Okay, what a crazy deputy. Listen, John, Let's have
you work with Deputy Doc off the air. See what
we can accomplish. Okay, bro hang on. All right, hey Marty,
what's going on with that U with your son?

Speaker 7 (01:29:32):
All right? Now you start out real quick. Yeah, I
am in hospice. He is my main curer giver. He
is wounded. For you, he's got like nine percent disability
that the VA is trying to get him over a hundred.

Speaker 2 (01:29:52):
What's your son's first name, Hartin? What is it?

Speaker 7 (01:29:59):
March and Mark?

Speaker 2 (01:30:00):
He got it? Okay, So tell me what we can
do for you and Martin.

Speaker 7 (01:30:05):
Okay. He found out that his life that he said,
the surrendered. He surrendered his license in February.

Speaker 2 (01:30:19):
What l like his driver's license?

Speaker 7 (01:30:22):
Driver's license? He has his truck driving in He's spent
four years over there in the sandbox, but he has
a home in Hawaii and he and he's here with me.

Speaker 2 (01:30:39):
Why did he give up his license? I'm just curious.
Why did he give up his license?

Speaker 8 (01:30:44):
He didn't, he didn't.

Speaker 7 (01:30:46):
Nobody notified him.

Speaker 2 (01:30:49):
Now when you say you're talking about his regular driver's license,
it expired, now, it wasn't expired.

Speaker 7 (01:30:58):
Okay, not expired.

Speaker 2 (01:30:59):
Help me out here, Marty. I'm just trying to understand.
So your son, who's the primary he's your primary caregiver.
Are you in home, hospice or at a facility?

Speaker 7 (01:31:10):
I'm in the home hospice.

Speaker 2 (01:31:13):
Okay, we're at home, and he obviously needs his driver's
license in order to help you. Right, when did he
find out? I want to know this. When did he
find out his license was gone? They said he surrendered it,
but he never did, right.

Speaker 7 (01:31:32):
Never did, and they never notified him.

Speaker 2 (01:31:35):
And you're talking about the state Motor Vehicle department, right,
But how did he find out? To begin with, let
me let me ask you this, how did he find
out his license was voluntarily? You know, whatever he did,
whatever they said he did.

Speaker 7 (01:31:52):
I mean, he talked to he was talking to a
police officer. He didn't stop as no tickets or anything else.
But the truck. Police officers said there's something wrong with
your tags. It might be your what is it over
the road?

Speaker 2 (01:32:09):
Are we talking about his tags or his driver's license?

Speaker 7 (01:32:14):
His driver's license?

Speaker 2 (01:32:16):
Okay? So, so basically, to make a long story short,
his driver's license was surrendered by him, according to DMV.
But he never did it.

Speaker 7 (01:32:32):
No, he never did it, And.

Speaker 2 (01:32:36):
Why can't he simply get it reinstated?

Speaker 7 (01:32:40):
All right? Yes, you know he can know what he's
gotta do. Start all over a kid. He's sixty two
years old.

Speaker 2 (01:32:51):
Are you saying you don't think he could pass the
written and the driver's test.

Speaker 7 (01:32:56):
But he has to do everything?

Speaker 2 (01:33:00):
Well, you don't have to take driver's school. I mean, Marty,
what record did they have of him surrendering his license?
Do you know.

Speaker 7 (01:33:13):
That's that's all? I knew that you be checked with him?

Speaker 2 (01:33:17):
Hey, can we talk? Can we just you know, you're
in hospice home care. You need to just rest and
enjoy life. Let us talk to your son directly. Does
he know you're calling us?

Speaker 7 (01:33:31):
Yes, he knows, and he doesn't want.

Speaker 2 (01:33:33):
Me just so he won't Wait wait, are you saying
he won't cooperate with us?

Speaker 7 (01:33:40):
And this is second? Let me ask martin this second?

Speaker 2 (01:33:45):
Let me get over it, ask him to get on
the phone. Hey, hey, Tom, I have a comment. If
that's okay, go ahead.

Speaker 4 (01:33:52):
So we have a family member who has some disabilities
and wasn't able to go do jury duty, got a
doctor's note to excuse him from that, and in turn
they took his driver's license. So is that something maybe
that this gentleman has experienced?

Speaker 2 (01:34:10):
Oh is Martin there? Can we talk to Martin?

Speaker 7 (01:34:17):
Yeah? That's me.

Speaker 2 (01:34:18):
Hey Martin Martin, did you ever get called for jury duty?

Speaker 7 (01:34:24):
No? No, no, no, I'll give you the reader's digest.

Speaker 2 (01:34:26):
Go ahead, sir, give us the reader's digest. Go ahead.

Speaker 7 (01:34:30):
I had my state ID and Hawaii have had this
two thousand and six. I have due residence in Colorado
and Hawaiian back and forth, and came my pearance and
there was an accident. No, not my fault, but just
the other day, and the law enforcementster said, I ran,

(01:34:51):
you lie and they don't expire to two thousand places
their commercial license, commercial irised license. He ran it and
he said there's it says that it's pending or something
that he didn't He wasn't certain himself. He said, call
the of VS. What's going on and I said, true thing.
I called the v and they said that I'd surrendered
my license in Pedruary. I said, I never spent my license.

(01:35:12):
I said, well, and you can't have a state I
D in another state and a diver's license in this state.
And I said, well, I was never notified of anything.

Speaker 2 (01:35:22):
Okay, so when you got your ID in Hawaii, they
automatically suspended your license or they revoked it here.

Speaker 7 (01:35:32):
No, no, no, I've had that. I've had that I'D
since two thousand and six. Okay, can I get him
in the state park? Did come?

Speaker 2 (01:35:39):
How did this suddenly happen?

Speaker 10 (01:35:41):
Then?

Speaker 2 (01:35:41):
What did they say? Yeah?

Speaker 7 (01:35:44):
They said that they did a they were doing a
canvas and then they found in February of last year
that I had a State I D in another state.
And they said, either A you can either have a
state IDEA or a driver's license and it has to
be in one state. So basically, what's in father's concerned?
I said, Hey, if I got to surrender on my
state ID for Hawaii, I don't care. I just I

(01:36:05):
wish I'd known about this till February so I didn't
have to go through the whole testing process.

Speaker 2 (01:36:10):
I get it so right now you can get your
license back, but you have to go through a whole
bunch of trouble.

Speaker 7 (01:36:20):
Pretty much. Yes, and I'm sorry to my father culture
I didn't want him to.

Speaker 2 (01:36:24):
Yeah, but we want to help you, Martin. Martin, you
know what, you're in the service, You were over there
in four to five years, and you come back to
this and you're trying to take care of your dad.
I mean, we want to try to help you if
we can. You know, let's see if we can get
your license reinstated. The official purpose of your license being revoked,
it helps us that it wasn't for a violation, It

(01:36:47):
wasn't for jury duty, it wasn't for anything, right, It
was for the fact that you they discovered that you
had an ID in Hawaii, right, Yes, Okay, do you
have a Hawaii driver's license?

Speaker 7 (01:37:03):
No? Absolutely not, Okay this I do not have a
Hawaii license.

Speaker 2 (01:37:10):
Yeah, I understand that. I understand that. By the way, really,
when you say dual citizen, they're really dual residency. Yes,
but there's no official document that makes it dual residency.
Nobody keeps track of that. What they do keep track
of is this, you can only have a voter registration
at one address, and you can only have jury duty
at one address, and you can only have a driver's

(01:37:33):
license at want address. And what happened, obviously is they
consider an ID a substitute for a driver's license. So
when you so, when they did an audit of the records,
it looks like you have two licenses. I understand it's not.
It's an ID. But to them, you shouldn't have both

(01:37:54):
an ID and a license in different states. Okay, you
can only have one ID or one license. You can't
have both in different states. That's facture. In fact, you
can't have both in the same state. I can see
where it was an innocent mistake on your part. Martin.
You just got an idea out there. But let me
ask you, why did you get an idea out there

(01:38:16):
if you had a Colorado driver's license?

Speaker 7 (01:38:19):
Because I I have a handout and to get they had?
Is it what's called commner rates?

Speaker 2 (01:38:25):
You have the tourist I get you, No, I'll get you.
You did it to take advantage of the pricing. I
get it.

Speaker 6 (01:38:31):
We have to take your break. We'll be right back.
That could almost be voter fraud.

Speaker 2 (01:38:40):
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as well. Denver Regen dot com. Let's talk to uh Marty,
Marty and Martin. We'd like Deputy d over here Dimitri

(01:39:49):
to get in touch with you off the air and
try to help you if you want, Martin, do you
want us to try to help get that license reinstated, Yes.

Speaker 7 (01:39:57):
Ma'am, Yes, sir, I do. Yeah, every kind he blew
off the handle because you said it might be they
considered it.

Speaker 2 (01:40:10):
No, no they he didn't mean that you did it intentionally. No, no, no, no,
I didn't mean that at all.

Speaker 6 (01:40:16):
Man, I'm saying the reason they don't, one of the
many reasons they don't allow multiple IDs from different states,
is that means you could vote in two different states.

Speaker 2 (01:40:25):
It looks like fraud. I'm not saying you did this intentionally.
I think you thought, wait a minute, I can't get
a license here. I have one in Colorado. I'll have
to get an ID here. And I know exactly why
you did it, but I think it's being interpreted as
either fraud or not allowed. And so Katschina get his

(01:40:46):
information forwarded to Deputy d who, by the way, now
has a troubleshooter.

Speaker 10 (01:40:52):
You.

Speaker 2 (01:40:52):
No, we might have somebody.

Speaker 6 (01:40:54):
Is he trying to get the license in colorad In Colorado? Yes,
we have someone I believe Susan does at DMV.

Speaker 2 (01:41:04):
This might be a good way to backdoor that. Actually,
let's try, but Dimitri's on standby Brian. What's going on
with you? Brian? Welcome to the show. What's happening?

Speaker 8 (01:41:15):
Heany?

Speaker 14 (01:41:15):
Tom?

Speaker 20 (01:41:15):
Thanks for taking the call again. I got a question
about hiring an attorney for an auto accident that does
not have any injuries.

Speaker 2 (01:41:27):
What are you trying to get out of it? What
is your goal Brian?

Speaker 20 (01:41:30):
About getting fifteen thousand dollars or more for a vehicle
that got damaged by running a stop sign?

Speaker 2 (01:41:37):
Okay, are they claiming they're not guilty and it was
your son's fault?

Speaker 7 (01:41:42):
No.

Speaker 20 (01:41:43):
In fact, he admitted that he did it to the officer.
They gave him a ticket. I think he went to
court and I just I just talked to my son
just the other day and he apparently has got a
court date now taking that guy to court and he
has contact the Uh yeah, but hold on.

Speaker 2 (01:42:01):
You say, Hi, why do you have to hire it?
Do you have a judgment?

Speaker 20 (01:42:05):
Not yet?

Speaker 13 (01:42:06):
No?

Speaker 2 (01:42:06):
No, hold on, I'll come right back to you. I'm
sorry I got behind here. Hold on, We'll come right
back to you. I'm Tom Martine. 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

(01:42:26):
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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 6 (01:42:46):
All right, folks, listen three oh three seven one three
eight two five five.

Speaker 2 (01:42:50):
We've got another hour coming up.

Speaker 6 (01:42:52):
If you've been ripped off, taken advantage of, maybe you
just want to tell us about some scumbag that has
made your life.

Speaker 2 (01:43:00):
I want to hear from you.

Speaker 6 (01:43:01):
Three zero three seven one three eight two five five
three oh three Martino. I'll finish up or try to
get to the next part with Brian. Brian called up
Sun got into a car accident. He's calling for some advice.
But what I don't understand if the other person got
the ticket, Brian, why is your son going to court?

Speaker 2 (01:43:20):
I don't get that.

Speaker 20 (01:43:22):
I believe it's called restitution.

Speaker 6 (01:43:25):
Where oh beautiful, that's all you have to say, so
hold on now, that I get that, we're going to
get to the bottom of it, and I might even
pull up one of our attorneys to come on. So
hold on. Andrew has got a problem with an old apartment.

Speaker 2 (01:43:38):
We're going to.

Speaker 6 (01:43:38):
Figure out what that's about. Everybody, hold tight. This is
the Troubleshooter Network.

Speaker 2 (01:43:51):
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 comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one help. You'll think you're his only

(01:44:13):
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 ripped off News.

Speaker 1 (01:44:30):
You need advice who you don't have? Run anxious as
fast as you can. Shooter's gonna help.

Speaker 3 (01:44:40):
Come man, This is the Troubleshooter Show.

Speaker 6 (01:44:44):
Now, Tom Martinez, welcome, Welcome to the show, the only
show of its kind. We're here to solve problems, answer questions,
take complaints.

Speaker 2 (01:44:52):
We want to help.

Speaker 6 (01:44:53):
You and make your life a little bit better you've
been ripped off or taken advantage of. We have solve
problems to the tune of over three hundred million dollars
three hundred million in cash, merchandise, exchanges, refunds, services, you
name it, we have tackled it. I don't care if
it's a problem with a landlord, a contractor a dentist.

(01:45:14):
We've had issues with Denis that are absolutely unbelievable. And
I'll just say this as an example, real quick. We
actually add a dentist a couple of years ago, maybe
a little longer, three four years ago, that refused to
adjust Uh it's on orthodontists. They refuse to adjust the
braces on a teenager because the mother missed a couple payments.

(01:45:35):
You know, you pay a couple hundred bucks a month,
they get braces. She was back a couple his mouth
was moving and shifting and the braces were cutting into
his gums, and the dentist refused to adjust them because
the mother couldn't pay.

Speaker 7 (01:45:49):
Well.

Speaker 6 (01:45:49):
Of course, we got involved and we got that taken
care of. But that's just an idea of what we do.
Three oh three seven one three eight two five five
three zero three Martino. That number works on and off
the air. Now Brian called last hour. Here's the bottom line.
There was a car accident and it was the other
person's fault. Brian ended up going to court, and it's

(01:46:12):
a very good thing he did because he is seeking restitution.
So I assume he went to the trial of the
guy that hit him. Is that correct, Brian?

Speaker 20 (01:46:21):
Actually, not exactly.

Speaker 8 (01:46:23):
It was my son, Yeah, go ahead, he's.

Speaker 20 (01:46:25):
Got a court date. He did receive a letter from
the app Repo Counties DA got it about restitution. So
and then he then my son starts talking out, you know,
out of the side of his mouth, saying I'll just
get one of those big attorney firms and go after
the guy. And I go, wait a minute, before you
do that, let me do some research.

Speaker 2 (01:46:43):
Well hold one, yeah, go ahead, Bryan, I'll let you finish.
Keep coming.

Speaker 20 (01:46:47):
Well, I was thinking, you know, if he's going to
go to court himself, does he actually need attorney representation
or is he okay with just using the DA there.

Speaker 6 (01:46:56):
Well, there's there's a few things here I need to
really understand. So the accident, what exactly happened, not not exactly.
But did he get rear end? It rear ended, sideswiped.

Speaker 20 (01:47:06):
Well, it was a four way stop got it was
my son and my son's turn to go through the
stop sign.

Speaker 5 (01:47:12):
Yep.

Speaker 20 (01:47:12):
He started to go through and this guy apparently didn't
see the stop sign.

Speaker 2 (01:47:15):
Of blue throat. Wow, that's what So he got t boned.

Speaker 20 (01:47:20):
Lral. He just took off his front bumper and his
lights and that.

Speaker 7 (01:47:23):
Okay about it.

Speaker 2 (01:47:24):
Was there any injuries?

Speaker 13 (01:47:26):
None?

Speaker 7 (01:47:26):
Whatsoever? None?

Speaker 2 (01:47:27):
Whatsoever? Does the other person have insurance?

Speaker 7 (01:47:31):
No?

Speaker 20 (01:47:31):
In fact, that's what happened.

Speaker 2 (01:47:33):
And hiring.

Speaker 6 (01:47:33):
First of all, there's not an attorney in the world
that would touch this without in it without injuries, there's
no reason there. There's absolutely no purpose you need to
tell him to hire an attorney. If you add injuries,
you still would talk to attorneys. But over this, it
doesn't matter. If there is no insurance and he's going
to show up to that court date, he needs to

(01:47:54):
bring whatever estimates he has and the judge will grant
whatever restitution needs to be paid. That's what's going to happen.
Whether that person has a job and will actually pay
is something else.

Speaker 2 (01:48:07):
But there is no reason.

Speaker 6 (01:48:09):
I can't even imagine why he thinks he should hire
an attorney.

Speaker 20 (01:48:14):
He goes really deep into things like we'll buy a
new car, and then he'll decide to go get a
new clutch for it because he doesn't want it to
go out on him while he's driving it.

Speaker 6 (01:48:23):
Yeah, so there's no reason in fact, compared to getting
a civil judgment on this let's say it's a thousand bucks.
Compared to getting a civil judgment, restitution does something way
more important. And what that is is the court's going
to stay on their case to pay it, and if
the person ever goes bankrupt, the restitution will stay, where

(01:48:45):
a judgment on an accident like that will go away. So,
I mean, there's no reason whatsoever for him to hire
an attorney.

Speaker 16 (01:48:53):
What does the UIM come in this case?

Speaker 6 (01:48:55):
Well, there's no it would come in absolutely nowhere as
far as because there's no injuries.

Speaker 16 (01:49:03):
Oh, it's only for not properly damage.

Speaker 6 (01:49:06):
Well, then I was going to ask Brian that does
your son have full coverage where he could just turn
this over to his own insurance company.

Speaker 20 (01:49:15):
Show a quick little story on that. When he purchased
this vehicle, he went online to and I think it
was progressive he checked all the boxes of what he
wants for insurance and called it good. But what he
didn't realize when there's a box he could check for
collision and you am I he when he checked those
that jacked the price up on the insurance.

Speaker 2 (01:49:34):
Yeah, of course he removed.

Speaker 20 (01:49:36):
He removed them.

Speaker 6 (01:49:37):
Yeah, so he and you and in the state of Colorado.
By the way, well, I'm not going to get into
that stuff. But yeah, so that's what he's got to do.
Restitution not only is the best way for him to
go forward.

Speaker 2 (01:49:49):
To me, it's the only way. There's no purpose in
having an attorney.

Speaker 20 (01:49:52):
So okay, And that's what I was trying to get through,
is I go, when do I need to get an
attorney for him? Or he does? Hell now it sounds
like will go ahead and fallow forward with it.

Speaker 6 (01:50:03):
Yeah, and let's hope he gets that. Let's hope the
person that hit him actually as a job. I just
want to ask you this. Did the guy have a
license and just no insurance or neither.

Speaker 20 (01:50:14):
That's the funny thing. He claims that he bought the
truck the day before. He had no registration for the
truck nor insurance, Yet they impounded the truck and he
walked away without getting arrested, so he must have had
had a license.

Speaker 2 (01:50:28):
Now they'll let you.

Speaker 6 (01:50:29):
I'll tell you, Denver let you go without a license.
I'm sure of it. I mean they you know, I'm
not going to get into that part of it. But
there's lots of people that don't have a license, don't
have insurance, get pulled over, and some of them leave
in their car.

Speaker 2 (01:50:41):
So that's just the way it is.

Speaker 20 (01:50:43):
And yeah, because they allowed him to get his tools
out of his truck and threw it into his friend's truck.

Speaker 2 (01:50:48):
And you know, it's so funny. I think about this.

Speaker 6 (01:50:50):
This guy runs the stop sign, luckily doesn't injure Brian's kid,
but messes his car up. Good has no insurance and
they allow him to grab his tools and grab everything else,
but he has no way of paying this guy.

Speaker 2 (01:51:06):
For the damage. It's it's crazy.

Speaker 6 (01:51:07):
It's upside down, man, the world is upside down.

Speaker 2 (01:51:11):
Thank you for the call, Brian.

Speaker 20 (01:51:13):
Thanks Mark, take caure.

Speaker 2 (01:51:14):
You're welcome.

Speaker 6 (01:51:15):
Three three seven one three A two five five. You
know you vote a certain way. I'm not getting to
get political here, but if you want certain things and
you vote a certain way, you are going to get
those things, so we shouldn't bitch when those things happen.

Speaker 2 (01:51:28):
And if you can.

Speaker 6 (01:51:29):
Follow that logic, which most of you can, you get
what I'm saying.

Speaker 2 (01:51:32):
Andrea, what's going on? Andrea?

Speaker 13 (01:51:40):
Hello?

Speaker 2 (01:51:41):
Hello, Andrea? What's going on with your apartment?

Speaker 10 (01:51:44):
Hello?

Speaker 18 (01:51:45):
Okay, So my parents moved into apartment in.

Speaker 10 (01:51:49):
Two thousand and five.

Speaker 18 (01:51:50):
Okay, in August of this year. We've decided we needed
a bigger place because I have my kids and everything,
and this new management that has been there for a
couple of years, they never did anything to fix it. Correct,
and so now that we moved out, they want to
charge us for blinds after nineteen.

Speaker 6 (01:52:10):
Andrea, let me, I want to clarify one thing. I
heard exactly what you said, but I'm not sure you
meant to say it. You guys moved in there twenty
years ago, in two thousand and five. Yes, correct, Okay,
so you've been there nineteen years.

Speaker 2 (01:52:24):
I get it.

Speaker 6 (01:52:25):
So I'm sorry, keep going now you want to move
out because you need a bigger place.

Speaker 18 (01:52:30):
Yeah, so we moved into the same apartment complex into
a three bedroom.

Speaker 2 (01:52:34):
Oh okay, same, we're there, got it?

Speaker 18 (01:52:37):
Yeah, Well, since we're there, They want to charge us
for blinds because there's no blinds in the apartment. They
want to charge us for the soovepans. They want to
charge us for the fridge cleaning, that the fridge was
already really old, even like the freezer wouldn't close anymore
because of so.

Speaker 6 (01:52:53):
So Andrea, hold on a second, are they trying to
keep money out of your security deposit from the original
unit you were in for nineteen years to pay for
the stuff you just said? Is that kind of what
they're doing?

Speaker 10 (01:53:05):
So?

Speaker 2 (01:53:05):
Yeah, well, I.

Speaker 18 (01:53:06):
Mean right now, are what a mom too? Is about two.

Speaker 2 (01:53:10):
Hundred dollars and that's for and that's for stuff like blinds.

Speaker 6 (01:53:13):
And you said, like the stovepan that little uh you know,
it captures the crud that comes out in our case,
the macaroni and cheese when our kids were little. But yeah,
I get that. What else?

Speaker 18 (01:53:25):
Yeah, so its pest control for seven days. They say
that by law of the state of Colorado, everybody has
to have pest control.

Speaker 6 (01:53:32):
Even wait, they want to charge you for pest control
for the old unit or the new unit.

Speaker 2 (01:53:37):
The old unit.

Speaker 6 (01:53:38):
Yeah, okay, and this is when you're moving out nineteen
years later. Yeah, I'm going to tell you something. I
got to put you on hold to take this break.
I don't like one thing they're doing. I don't even
understand their logic. You've been there nineteen years. They should
be on their hands and knees thanking God for a

(01:53:59):
tenant that has been there nineteen years then moves to
the same complex. I cannot believe they're trying to nickel
and dimeya on stuff that they probably should be replacing
after nineteen years. Kelly, I would like to give Brad
O'Brien on. By the way, we've got a couple lines
open three oh three seven one three eight two five

(01:54:20):
y five, Hold tight.

Speaker 2 (01:54:27):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're contenth
time for an insurance checkup, free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer

(01:54:49):
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 6 (01:55:00):
All right, three oh three seven one three A two
five five. We're trying to get our attorney on Kelly's
reached out to Brad O'Brien or I'm sorry, Mackenzie, did
I say Brad O'Brien. Yeah, that is who I want.
Of course, that's who I want. I'm sorry. I'm losing
it here, so I'm going to go back to the call,
but hopefully we can get the attorney to reach back.

Speaker 2 (01:55:21):
But Andrea, here's the deal.

Speaker 6 (01:55:23):
They're saying that when you moved in nineteen years ago,
the blinds were there, and there now they're not. Yeah,
I don't care if they're many blinds after nineteen years.
Trying to charge you for those is absolutely wrong. I
don't care what anybody out there is saying, nineteen years
many blinds are worth zero?

Speaker 16 (01:55:44):
Are a blind there?

Speaker 2 (01:55:47):
No, there's no blinds.

Speaker 18 (01:55:49):
Well, there's no blind right now. And they're charging for painting,
and the.

Speaker 6 (01:55:53):
Just say did they ever paint? Have they painted that
old place in the last few months?

Speaker 18 (01:55:58):
No, my dad was painted, and he's had to change
out the carpet because last year in July we needed
a carpet and a carpet. Obviously, it was already there.

Speaker 6 (01:56:07):
For eighteen years, and they're trying to charge that wrong
with it, So, Doc, it's exactly what I said. They're
trying to charge her for nineteen year old carpet and
there's no carpet in the world that lasts that long.
They're trying to charge her for things.

Speaker 18 (01:56:19):
So the carpet, the carpet, my dad changed it out
last year in July because it was really gross. I
had my baby and it was unsanitary for him.

Speaker 2 (01:56:27):
What is his place? Doc, you want this one or
do you want? I can give it to d I'll
talk to them.

Speaker 16 (01:56:34):
I want to know what's going what's going on are
they I'll talk to what's the total amount they're.

Speaker 2 (01:56:39):
Charging right now?

Speaker 18 (01:56:41):
It's like a two hundred dollars, So.

Speaker 2 (01:56:43):
They're charging her twelve hundred.

Speaker 16 (01:56:44):
Bucks and how much you just security deposit?

Speaker 2 (01:56:48):
It was three.

Speaker 18 (01:56:48):
Hundred dollars, so they already took that out from that,
so they charged.

Speaker 2 (01:56:51):
Her fifteen hundred bucks.

Speaker 16 (01:56:52):
So they say you owe them twelve hundred more.

Speaker 2 (01:56:55):
But the important part is this, Yeah, that's crazy.

Speaker 6 (01:56:58):
They're charging her first stuff that after nineteen years would
be replaced. Absolutely, it's gone, there's no value to anything
they're talking about. And then if you can't get.

Speaker 2 (01:57:09):
Through to them. This is one I would like to
light up.

Speaker 6 (01:57:11):
Is this a big apartment complex or is this some
little landlord?

Speaker 2 (01:57:15):
What are we talking about?

Speaker 18 (01:57:18):
So there are apartment complex, their apartments are metal lark.

Speaker 2 (01:57:20):
Apartments metal lark, Yes?

Speaker 9 (01:57:24):
And where are they choy strength?

Speaker 16 (01:57:27):
Are they charge you anything to move into the new apartment?

Speaker 2 (01:57:31):
Yeah?

Speaker 18 (01:57:31):
They charged the deposit. And then so with our old apartment,
they charged the pet deposit.

Speaker 10 (01:57:39):
What was a pet pee?

Speaker 18 (01:57:40):
So for the new ones she charged another petpee because
she said that the old pet deposit was for the
old apartment and not the new one.

Speaker 16 (01:57:47):
That makes sense, Well, only only a pet fee is
that's the only thing they charge you yet.

Speaker 6 (01:57:52):
But if it's a pet deposit, it should go to
the new one, unless if there was a problem with it.
But if it's a fee, you're gonna have to pay
that regardless.

Speaker 18 (01:58:01):
Yeah, so we're not complaining about that.

Speaker 10 (01:58:03):
But okay, yeah, she's just why do you.

Speaker 6 (01:58:06):
Think they're being Why do you think they're being so
hard ass with you?

Speaker 2 (01:58:09):
Honestly? I mean, like I said, you've been there nineteen years.

Speaker 18 (01:58:14):
Yeah, that's what I told the manager. I was like,
it's a lack of consideration. And then I was like,
how you expect everything to be nice? I was like,
I don't know if you don't have kids. I was like,
but kids can be messy. And then she's like, yeah,
but I clean, you're but you're not say that we
don't clean.

Speaker 6 (01:58:28):
Even listen, none of that matters, None of that's even right.
What you've got to understand is that the diminished value
of everything we talked about doesn't matter. If it's a
carpet or a mini blind that costs twenty bucks, it's
nineteen years old. There is zero value associated with any
of that anymore. The paint on the walls after nineteen years,

(01:58:49):
you got a paint. When someone moves out, they once
again should be on their hands and knees, thanking God.
You were their tenant for nineteen years and you still
are after they're trying to pull this crap off. So
we're gonna we're gonna work on this one big time.
Hold on and Kelly is gonna get your information, and
let's not lose this. I want to follow up on

(01:59:10):
this freaking every day if we have to. I can't
believe it nineteen years, nineteen years and they're trying to
screw her for twelve hundred bucks. What the hell's wrong
with you people? Metal Lark, it's crazy now in studio
by the way, Stephanie Thomas realtor Extraordinary Pike's Peak region, right, Yes,

(01:59:32):
so you go everywhere from where say Monument.

Speaker 4 (01:59:35):
To Yeah, I'll do as far as Castle Rocks, So
Castle Rock, Teler County, ol Paso County.

Speaker 6 (01:59:42):
How about what's hell Passo? Does that include what's the
town down the road?

Speaker 2 (01:59:46):
Oh, Pueblo, Pueblo.

Speaker 4 (01:59:47):
I will go as far as like Pueblo West, but
don't do a whole lot in Pueblo.

Speaker 2 (01:59:51):
So I would Why is that it's just too far?

Speaker 4 (01:59:54):
Not necessarily, I just don't know that area as well.
So if that's the case, if I had somebody contact
me for there that I couldn't assist. You know, areas
are absolutely I do the Teller County, which is Woodland
Park Divide, Cripple Creek.

Speaker 6 (02:00:07):
How long is that area in general? The growth up there?
I got something in the mail. Apparently they built a.

Speaker 2 (02:00:13):
New casino up there. It's supposed to be fancy. They did.
There's a new casino in Cripple Creek.

Speaker 4 (02:00:18):
There's a lot of new construction out there too, town
home communities, So I'm seeing some of that up in
Cripple Creek, all right.

Speaker 2 (02:00:25):
So the whole area Teller County is growing.

Speaker 4 (02:00:27):
It absolutely is a lot of new homes, a lot
of apartment there are. There's a lot of town homes
I'm seeing in Woodland Park as well.

Speaker 2 (02:00:33):
And we've needed those for a while.

Speaker 6 (02:00:34):
Frank durand the real estate man Denver Metro here, what's
the furthest you go south?

Speaker 5 (02:00:41):
So South Castle Rock, North, Longmont, Longmont, Kingsburg to Golden
everything in between east and west.

Speaker 6 (02:00:47):
Okay, very cool man. How many listenings do you have
up right now?

Speaker 5 (02:00:51):
Twenty twenty one, twenty two, I'm putting up six tonight.

Speaker 2 (02:00:54):
How many do you How many do you close in
a given month? If you don't mind me asking.

Speaker 5 (02:00:59):
Oh gosh, Mark, it varies. We've had months where we've
closed around eighteen twenty and it's incredible. Yeah, it depends
on the month. But yeah, this has been a real.

Speaker 2 (02:01:07):
Busy Go with a sure thing, Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content. Wait,
time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
to seven to one help. You'll think you're his only

(02:01:29):
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 6 (02:01:44):
All right both three oh three seven one three eight
two five five three oh three Martina. Don't forget, and
I mean it, don't forget. We help people on and
off the air. That three oh three Martino works all
the time. Hey wait, we're I don't know what happened
to Cassandra. Oh, we got her information, We got everything
for you.

Speaker 7 (02:02:02):
Doc.

Speaker 6 (02:02:02):
You're gonna call and try to help her out. But
it is ridiculous for that apartment complex. I mean, Andrea
or Andrea after all those years to try to collect
on a mini blind after nineteen years.

Speaker 16 (02:02:14):
It's who was holding on about the dentist?

Speaker 2 (02:02:17):
Oh, I don't know what was that update? What was
that update? Kelly?

Speaker 21 (02:02:22):
So Tom initially handled the call and he actually knows
the trustee. That's involved with the case, so we rescheduled
it for tomorrow morning.

Speaker 2 (02:02:30):
Okay, so it's got something to do with the bankruptcy
and the dentist, right, yes, yeah, I think I recall
a little bit about that.

Speaker 21 (02:02:39):
Yeah, so she actually there were multiple people who were
basically scammed by this dentist.

Speaker 2 (02:02:47):
And she had a list of a bunch of them.

Speaker 21 (02:02:49):
Correct, and then he absconded with all of their money.

Speaker 6 (02:02:52):
God, I'll tell you a professional like that. I mean,
I don't, hey, doc, a dentist stir a doctor that
takes money, you know. I mean, right now, we're assuming
you did and then goes bankrupt. Do they at least
lose their license automatically?

Speaker 16 (02:03:09):
Now, well, they they probably will. But you know, it
always pisces me off because, like Heber National, you know,
we are health to a higher authority. Yeah, and we
are in a position that people trust us. And when
I see somebody abuse that trust, it really gets my goat,
because no, go it gives the rest of us a

(02:03:30):
bad name.

Speaker 2 (02:03:31):
Yeah, not really.

Speaker 6 (02:03:32):
I think when most people think of doctors or even denis,
they don't really think of They don't think of those.

Speaker 16 (02:03:38):
Very few people, I hope not.

Speaker 6 (02:03:39):
Well, I mean think of all the schooling and the
residency and everything you went through. I mean, most people
that are going to be stealing money aren't going to
be going through that, right. I mean, that's that's my thoughts.
You know, I wanted to talk to everybody about something
that I've witnessed, and it's kind of crazy. There's a
lot of bigger companies. Now what they'll do is they'll

(02:04:00):
buy up Mond Pause, and let's talk about HVAC companies
and I'm just randomly grabbing a home service. You'll have
someone approach you, and there's a lot of people listening
right now that we're probably in this boat and probably
sold to them. But what will happen is someone will
come in and basically take ownership of the company by
the name, by the business, and then that person that

(02:04:25):
used to own it will still run it. And then
all of a sudden, there's multiple different companies, and I
mean a lot of different companies, maybe ten of these
little tiny mind paws that are owned by someone out
of state, and you don't even know it anymore. So
I really want you to kind of start looking at
who you're dealing with. And I don't care if it's

(02:04:46):
garage or people. I don't care. I really don't care
what it is. If it's some form of home service
that seems to be where this trend is going now.
It's not all negative, and I mean that. And why
it's not all negative is a lot of people. When
I was in the automotive business, for example, there was
a lot of technicians that would decide, oh, my god,

(02:05:08):
Mark's making so much money at this store. I can
go out instead of getting paid hourly or know per
work job, I can go out and open my own
business or work out of my garage and make a
lot more. Well, no, it just never works out. They're
good at fixing cars, they're horrible at managing a business.
And there's people that are in between. They're good at

(02:05:29):
fixing stuff, they're good at running a business, but they
don't know how to make real money. They know how
to barely break even and pay their own salary. They're
not building the wealth of the business, but they might
be taking a good salary. And there's a big difference. You
want to do both. You want to build the net
worth of that business that's its own entity, and of

(02:05:51):
course you want to pay yourself for what you do.
Every day, whether you're the sales guy or the technician
or whatever. So when these companies come in and buy
out a small operator and they do teach them how
to make money, they really do. They teach them like
you have to you can't charge fifty dollars for this
because you barely break.

Speaker 2 (02:06:12):
Even on it.

Speaker 6 (02:06:13):
You have to charge more, or you can't spend money
over here because it's crazy, or you have the wrong
kind of insurance or different reasons like that. It's almost
like they're creating their own franchise model with all these
different things, and there's good to it and there's bad
to it. What I'd like to do is hear from
somebody that is sold to one of these companies. But

(02:06:35):
I'm afraid. I'm afraid there's probably a lot of contractual
agreements in place to where they're not even.

Speaker 2 (02:06:42):
Supposed to talk about it.

Speaker 6 (02:06:44):
But I was dealing with one today and I was amazed.
They bought a small company here that I've dealt with
in the past, Good Company. And I was amazed when
I went to their website how many of the small
companies they own. I mean, it's zy and they keep
the name. You would never know the original owner and
family are gone. It's just bonkers, man, I gotta take

(02:07:07):
a break to a hold tight all right, both three
oh three seven one three A two five five, don't
forget three oh three. Martino works on and off the air,
and you can always email us at helpatroubleshooter dot com.

(02:07:29):
You know, Frank durand the real estate man. Any thoughts
before you guys go when it comes to real estate honestly,
and Stephanie Thomas, I'm gonna give your phone numbers out
and I can vouch for both of you. Just the
best realtors around and that's it. You guys sell for
more money than other realtors. You sell more. I mean,
it's just an incredible thing. And you can always look

(02:07:49):
where can people go look at stats? I mean most
people don't have access to MLS, right, that is a.

Speaker 5 (02:07:56):
Great question mark. I think l's probably your best source. Yeah,
it directly from the MLS.

Speaker 2 (02:08:02):
But can Joe blow log into MLS and look at stats?
Not quite No, so it is weird.

Speaker 4 (02:08:07):
Yeah, I'm not sure that they can.

Speaker 5 (02:08:09):
Yeah, there's no I no, they'd have to have an
MLS number.

Speaker 2 (02:08:11):
All right, let's get let's get off of that. Let
me ask you this.

Speaker 6 (02:08:13):
There's Zillo, Realtor dot Com mls, and I'm sure a
handful of others.

Speaker 2 (02:08:18):
I'm not thinking about.

Speaker 6 (02:08:21):
How do those work? When you come over and list
my house. If I'm selling it and you put me
on mls, that's a given, right Almost everybody uses that.
Do I automatically appear up on Zillo?

Speaker 5 (02:08:34):
Yes? You do. Now, now there is an option for
Zillo platform which it costs extra. I'm part of that.

Speaker 2 (02:08:39):
What is that?

Speaker 5 (02:08:40):
What that allows is it puts you in front of
our eyes, so you pay extra for it, which we do,
and it just gives you a little extra feature and
better visibility. Actually it's a nicer platform.

Speaker 2 (02:08:49):
But it's it's still Zilla.

Speaker 5 (02:08:51):
It is it is.

Speaker 2 (02:08:51):
It's like, it's pay to use Zillo, right exactly. And
then how about Realtor dot Com.

Speaker 5 (02:08:56):
Same thing goes on relter dot com.

Speaker 2 (02:08:58):
So you pay a little extra, you a better placement.

Speaker 5 (02:09:01):
That just goes automatic. Doesn't have the showcase, Yeah, they
don't have the showcase. Correct.

Speaker 4 (02:09:05):
I also do Zillo showcase for my listenings.

Speaker 6 (02:09:07):
Now why would showcase what? I guess I'm not understanding it.
What what is different? Because I look at when I'm
looking in Louisiana for properties. I go to Zilo and
I put in the area I want, and I put
in all this stuff and it shows me the homes.
Are you saying that.

Speaker 20 (02:09:22):
The sponsored eds you see on Google when you start
search something, they're just the first thing that you see.

Speaker 2 (02:09:27):
Is that what Zillo does? Yeah, that's a good.

Speaker 5 (02:09:28):
Yeah, yeah, I put you on in front of more
people in the presence.

Speaker 2 (02:09:32):
Like if if you paid for that on my house algorithms. Yeah, yeah,
it's a better it's more.

Speaker 5 (02:09:40):
A prettier presentation.

Speaker 6 (02:09:41):
By the way, all right, listen, Frank durand the real
estate man Stephanie Thomas, both of them. Here's Stephanie's number
seven two zero two sixty zero nine one eight seven
two zero two sixty zero nine one eight. They'll both
do free evaluations on your house, no pressure. They'll let
you know what it's worth. Frank Durand three oh three
nine twenty sixteen, twenty two

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