The Troubleshooter 10-31-25

Episode Transcript

Speaker 1 (00:04):
Ripped of.

Speaker 2 (00:06):
News, so you don't have.

Speaker 3 (00:11):
Come running sustas as the call Shoot is gonna help come.

Speaker 4 (00:18):
This is the Troubleshooter Show.

Speaker 5 (00:21):
Now, Tom Martino, Hi, I'm Tom Martino and I'm at
MI Casa Studio. We have also Major Mark, Major take
it away.

Speaker 4 (00:32):
What do we got going on there? Snap? Snap Snap?
You know what that means, right?

Speaker 5 (00:36):
Yeah, actually I do. If you're talking about the Snap benefits.

Speaker 6 (00:40):
Yeah, forty two million people as of tomorrow. Now, I
just found this out. I didn't realize people get those
EBT cars loaded just like on the first it's really
by birth date.

Speaker 4 (00:52):
Because snap's one percent federal.

Speaker 6 (00:54):
Some people could be affected as early as tomorrow, other people,
you know, towards the middle of the month. But forty
two million people. I had no idea, Tom, we had
that many people on food stamps.

Speaker 4 (01:08):
I just didn't know it.

Speaker 5 (01:10):
No, no, no, And you know, as with a lot
of social programs, of course.

Speaker 4 (01:16):
You know there's a lot of a.

Speaker 5 (01:18):
Lot of crap going on, but there are some people
that really depend on this, oh, no doubt, you know,
and it's really important. You brought up something the other
day that I really never thought about, and you were
saying if you don't have a permanent solution, as the
governments have done in the past, they have routinely passed

(01:41):
temporary bills and it's routinely.

Speaker 4 (01:45):
And this time no.

Speaker 5 (01:47):
And I think that's the part that really gets me
is I never realized.

Speaker 4 (01:51):
I guess, as you had put it, that.

Speaker 5 (01:53):
This in the past, this has happened many times where
they just passed these temporary measures and then work on
a permanent solution. In fact, they've they've been on temporary
measures for years and years and years. They don't actually
have you know, they never really come to an agreement
of all elements.

Speaker 4 (02:14):
But at least they keep the government going.

Speaker 5 (02:16):
And of course everyone has their own opinion as to
who is to blame.

Speaker 6 (02:21):
Well, they voted the Democrats actually voted for the same
cr not long ago. I mean, it's pretty amazing. I
think they're going to end up giving in. They're starting
to get pressure even by you know, some of the
liberal rags out there, like the Washington Post, and you know,
we're starting to see different agencies come together and pressure

(02:42):
them too. Can you imagine if people can't fly around
for Thanksgiving and the holidays coming out?

Speaker 4 (02:48):
I know, I know, Major.

Speaker 5 (02:50):
By the way, Mark is back at the ranch with
the car Day experts, well car Day expert today Kevin
Calkin from Sheridan Auto Tech. And oh, I think Bob
Perry is going to be in there with Rod Green.
Did they show up yet? Did Jeff yep?

Speaker 4 (03:02):
Okay, Rog not here yet, he'll be is he coming?

Speaker 7 (03:06):
Yeah?

Speaker 4 (03:06):
He's on his wife. Bob Perry.

Speaker 5 (03:09):
We uh, we communicate a lot because I had this
dream about leasing a car and he's a leasing expert,
he really is, and it's good to talk about. But
I want to go to the phone's phones get priority here. So, Vicky,
what's going on with you?

Speaker 4 (03:22):
Vicky?

Speaker 5 (03:23):
How can we help you? I hope we can help you.
What's going on?

Speaker 8 (03:28):
I had movers to move me across country and from.

Speaker 4 (03:33):
From where to Wear? From where to Wear?

Speaker 8 (03:36):
From Aurora, Colorado to Parkersburg, West Virginia. Actually okay, to
the store.

Speaker 4 (03:46):
Well, what went wrong?

Speaker 9 (03:49):
They did not?

Speaker 10 (03:52):
They're trying.

Speaker 8 (03:53):
I gave him furniture to put into their confinement. They
said they had a confinement shop and I've than trying
to get a hold ohone.

Speaker 5 (04:02):
Now, okay, so I didn't realize this. So you had stuff?
These are not just movers. They had a consignment shop.
Is the consignment shop here in the Colorado area or
in West Virginia?

Speaker 9 (04:16):
No, it supposedly was supposed to be here, but Kingsley
misinformed me, evidently because he's not located at the location
at thirty South Havana Sweet three zero nine.

Speaker 8 (04:31):
I stopped over the leashing.

Speaker 9 (04:33):
Office that they have no one there but that name.
He's falsely advertising that on Google.

Speaker 4 (04:41):
What's what's the name?

Speaker 8 (04:42):
He's going by movers on demand?

Speaker 5 (04:47):
Okay, and right now, if you make a phone call,
will he answer?

Speaker 2 (04:53):
No?

Speaker 9 (04:54):
He actually hung up on me yesterday. I called four times.

Speaker 8 (04:58):
No, they will not ad.

Speaker 4 (05:00):
Did your stuff at what? What? What part of the
move are you at right now?

Speaker 5 (05:04):
Like? Did you did you get the stuff to West Virginia?

Speaker 4 (05:08):
The stuff you were moving?

Speaker 11 (05:10):
I'm still in Colorado. My brother and met them at
the storage and Greg said it looked like they got
everything off the truck that I'm not there to do.

Speaker 5 (05:22):
Yeah, but at least you know, Vicky that you wouldn't
believe what a victory that is, because half the time
movers don't even don't even deliver it until they shake
you down for more money. Okay, so the main Okay,
I figured as much. The main here's the the main

(05:43):
stuff was moved. And now you're looking for stuff that
you put on consignment. About how much stuff did you
put on consignment?

Speaker 8 (05:51):
I had, uh, two curio cabinets. I had a bedroom
sat a wow, yeah, a bedroom set. He said, we
have a consignment shop now and we can try to
sell that for you and you won't have to donate it.

Speaker 5 (06:11):
Or just how long ago did it go into consignment?
How long ago?

Speaker 9 (06:16):
September?

Speaker 8 (06:17):
I want to say it.

Speaker 4 (06:19):
That's okay, September.

Speaker 5 (06:21):
So right now that it's let's let's narrow our focus
to this stuff on consignment. What did he say before
he hung up? I mean, did he say that he
has your stuff? He doesn't have your stuff? I mean,
what was the communication.

Speaker 9 (06:38):
When when he picked it up?

Speaker 8 (06:40):
He said, we've got a consignment shop and he said
and he said he would take it there and try
to sell it within three months.

Speaker 4 (06:51):
Okay, did you get anything in writing?

Speaker 9 (06:55):
I have some things in writing from him, but I
was just looking for them because I wasn't I didn't
know you were going to call me this morning.

Speaker 5 (07:03):
Okay, okay, all right, Vicky, that's okay. Yeah, So just
for people listening, Vicky called three h three Martino and
then we called back.

Speaker 4 (07:12):
So so here's the deal. We should call these people.

Speaker 5 (07:17):
I mean, why did he hang up on you, by
the way.

Speaker 8 (07:20):
Because I guess he's must be scamming me, that's my opinion.

Speaker 4 (07:25):
Well was your stuff worth that much? Was it?

Speaker 5 (07:28):
You know it doesn't you know, use furniture as not
a way to get rich. I mean, if he wanted
to do a scam, was your stuff worth?

Speaker 4 (07:35):
How much was all that stuff worth?

Speaker 9 (07:39):
But that room set and all the things, I should
have been able to get at.

Speaker 8 (07:44):
Least fifteen hundred dollars for it all.

Speaker 4 (07:48):
So all of it okay, so I doubt.

Speaker 9 (07:52):
But the other thing is this to Tom. The other
thing is when he took all my information to move
me and get a carrier to move the tea bird,
he came back and said they will not move the
tea bird for the amount that you were quoted and
in order for it to be shipped. And I was

(08:15):
up against the rock and a hard place.

Speaker 5 (08:17):
I know. They do it all the time. They do
it all the time. For those listening. The normal scenario
is this the person who uh, the person who you
talk to to begin with, has nothing to do with
your move. They simply get your contract, get money, and
they're out of it. Then they sell that contract to
someone else who's supposed to pick up your stuff, and

(08:39):
those people usually hit you up for more money and
say this is way underestimated. Then they transfer it to
another company who then is supposed to deliver it, and
that's when they hit you up for even more money.
So it's a one two three punch, and sometimes you
never even get your stuff. The moving industry needs to
be up, but hell, I don't know who's going to

(09:02):
do it. Nobody seems.

Speaker 9 (09:03):
It says they're a family owned. It doesn't say that
they're like, you know.

Speaker 5 (09:09):
Yeah, but they are. No, It doesn't matter what they say.
It doesn't matter what they say. Most movers are scammers.
Now this one Movers on Demand. Are they actually located
in Colorado or are they located as I would.

Speaker 4 (09:23):
Suspect, in South Florida. Where are they located?

Speaker 9 (09:27):
It says their offices in Inglewood, Colorado.

Speaker 5 (09:30):
But there's no one there. You went over there and
there's no one there.

Speaker 8 (09:34):
I have not gone there.

Speaker 9 (09:35):
I went to the location where he said he was
at thirty South Cavana Sleet Row nine.

Speaker 5 (09:43):
Okay, so let's try giving him a call. Uh, did
I see Deputy Bow in their Deputy Bow is that you?

Speaker 4 (09:50):
No, he's not here. Okay.

Speaker 5 (09:53):
And for some reason that camera keeps going out. It
came back and went out for those streaming. For some
reason that camera.

Speaker 4 (10:01):
Goes Yeah, we're trying to work on it. Okay, thanks.

Speaker 5 (10:04):
So anyway, bottom line is this, we should call over
there and see you and see if the guy would
come and uh and come on the air.

Speaker 4 (10:16):
Let's see. So what we'll do is.

Speaker 5 (10:19):
Give this to one of our deputies listening Kachina and
see if we can at least get a call into
the guy. Albert, we have a car buying experts with
us today, so you're in luck. What is your question
on buying a Toyota?

Speaker 1 (10:33):
If you were going to buy a Toyota and the
state of Colorado, which dealership would you use? I live
in Colorado Springs, but.

Speaker 5 (10:43):
I'll go my got you, Bob Perry. Who would you use?
If you were buying a new Toyota? Who would you use?

Speaker 12 (10:49):
Ooh, that's a tough question. I'm friends with all of them.

Speaker 4 (10:52):
Are you well? Good? Which which ones are pretty damn good.

Speaker 5 (10:55):
I mean, now, these guys deal with new car Wait a.

Speaker 4 (10:57):
Minute, can you source a new car for him? Yes?

Speaker 5 (11:01):
So just so you know, Albert Jaffar cars, they're brokers
and they save you money. They don't cost you money.
You may wanna, you may want to talk to them,
but but let's talk about the dealers. I would say, uh,
you know, I mean, there's a lot of dealers.

Speaker 4 (11:23):
Who who do you like, Bob? I mean you you
deal with them more than an.

Speaker 13 (11:27):
Apple Tom Tom for example.

Speaker 1 (11:29):
I've heard you speak critically of Larry Miller Toyota in
different context.

Speaker 14 (11:35):
So I know not you go there, and I've heard, oh,
I don't know, I've not heard, but.

Speaker 1 (11:41):
Maybe on Reddit or something somebody was praising Mountain States.
But I just thought, uh.

Speaker 5 (11:49):
You know, no, right, and we lately, we lately have
not had a lot of dealings with Toyota's.

Speaker 6 (11:59):
As far as buying and selling, I would shop. I
would honestly just shot price. I don't care if it's
a Hondai and Mercedes BMW. If you're looking for a
new vehicle, I would purely shot price.

Speaker 12 (12:11):
What are you looking for?

Speaker 4 (12:12):
What model?

Speaker 1 (12:15):
Well, it's either gonna be a twenty five or twenty
six Toyota four Runner SR five Premium.

Speaker 12 (12:21):
Okay, those should be available.

Speaker 5 (12:23):
So yeah, but where would you go if you were
gonna bob, if you were gonna walk into a dealership?
What about Stevenson, the Stevenson group. I know that Stevenson
doesn't own it anymore, but how is that group?

Speaker 12 (12:35):
So in my world they have to be what we
call broker friendly, and Stevenson used to be broker friendly,
but the new owners Asberry or not broker friendly. So
I don't have a good opinion about Stevenson.

Speaker 4 (12:46):
But okay, you know Groove.

Speaker 12 (12:49):
Is good automation, AutoNation, autoation on a rapo road. Those
are the two we primarily use. But why of state dealers?
Why why does it matter? I guess I'm going to
go back to that. If you're buying.

Speaker 5 (13:02):
Marcus right, Marc is right, you don't really have to
have any dealings with a dealer at all. I mean,
once you find that at the car you want for
the price you want, you can pick a dealer for
service and you don't have to go to the same Juan.

Speaker 6 (13:16):
You can bring it to whatever dealership you want for
whatever work. You want done, It doesn't matter.

Speaker 4 (13:22):
And you probably get a better price doing that.

Speaker 1 (13:24):
Go ahead, sir, I guess I thought you might have
an opinion as to who would give give me the
best offer. Okay, I know, I think five different dealerships
and see what the best offer.

Speaker 4 (13:39):
And here's what's.

Speaker 5 (13:40):
Great about this. That's exactly what jeff Our Cars does
for you. Listen, I'm not tying to pulling you off
on them, but that's what they do. If you want
to shop five or six dealers, that's exactly what they do.
They they they go out as a broker and source
the deal and present it to you.

Speaker 4 (13:57):
It really is a good situation.

Speaker 5 (14:01):
And uh then you're not out and also they're consumer friendly.
They're not going to pound you with all the FNI
add ons. Oh my god. I mean, you get to
a dealer, even if it's a good dealer, you get
into the FNI department and start adding stuff on that
car deal. It's a terrible situation. If I were you,

(14:21):
I'd go to JFR Cars. They will you tell them.

Speaker 4 (14:24):
What you want. You go out and shop, just go out.

Speaker 5 (14:27):
Anywhere on lots and find the cars you want. And
if you have a specific unit go tell Bob or
go tell Rodney and have them source it.

Speaker 4 (14:38):
Got take. I gotta take this break.

Speaker 5 (14:40):
If you have any specific questions, I'd love to take them.
We got more coming up on the Troubleshooter Show three
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(15:47):
Tom Arsino with Mark Major and Kevin Calkin, and we
have Bob Perry from Jfrcarrs and Lovely Sues. Is there
in the studio if you're tuned in, and uh, we
I have a question and here on I was just
had it here? Oh Tom, what ask your car expert.

Speaker 4 (16:08):
When I should do my timing chain?

Speaker 5 (16:11):
And first of all, do chains have to be replaced
or when it's a chain? Is it usually for only
when there's a problem? How does that work? Are belts
the only ones that have to be changed?

Speaker 15 (16:25):
Yeah, belts are the only ones that have a time interval? Well,
change you would tell you know, if you start getting
rattling when you start up, you can have tensioners or
guides or something starting.

Speaker 5 (16:35):
And he might be saying chain and meaning just the
timing things. Anyway, he has two vehicles, both have timing
Oh he did say that both have timing chains. A
two thousand and one GMC Sierra two hundred thousand miles
on it, and then he has the twenty eleven Mitsubishi
Outlander with one hundred and twenty five thousand miles. Would

(16:55):
is there such thing as just doing preventative maintenance? And
with that many miles saying, hey, let's just I mean
that GMC Sierra has two hundred thousand freaking miles on it.

Speaker 15 (17:05):
Yeah, it's probably got some good wear and stuff on
that Chaine, It wouldn't hurt it at all.

Speaker 7 (17:09):
But there's no recommended intervals.

Speaker 5 (17:11):
But is it expensive to do that on the chain
for a GMC Sierra.

Speaker 15 (17:17):
Depending on which engine and so forth, he has to
mean changed. There's a lot more to them than it
is a belt because they get different timing sprockets, everything else.
You could spend three to five grand on a timing
tain pretty quick.

Speaker 12 (17:29):
God.

Speaker 5 (17:30):
And as far as belts, that would be according to
the manufacturer's recommendation. They usually give an interval of sixty
ninety thousand whatever.

Speaker 7 (17:40):
Exactly exactly, Okay.

Speaker 6 (17:42):
I wanted to get Bob's opinion and yours, Tom Effect
and Kevin's. These car dealerships like AutoNation that have one price,
in other words, there's no haggling. You go in, you
pay whatever's on the sticker. I find that ridiculous. I mean,
what are your onions on it? To me, that's the
whole thing. You want to go in and be able

(18:03):
to negotiate when they just shut it down like bam.

Speaker 4 (18:07):
It just makes no sense to me.

Speaker 15 (18:08):
Yeah, But if you go at another place, then they're
one price is a thousand less So who cares?

Speaker 16 (18:13):
Then?

Speaker 7 (18:13):
You know, is there more and.

Speaker 4 (18:14):
More dealers going to one price?

Speaker 12 (18:17):
Yes, and you know there's ways around the one price
in that they will use old stockers as a way
to discount a car.

Speaker 4 (18:24):
What does that mean?

Speaker 12 (18:25):
So if they have a twin car, like I say,
just a new Honda Corps that's been in stock for
sixty days, Yeah, and you're looking at one that just
came in, they'll try and put you in that one
because they've lowered the price.

Speaker 6 (18:34):
Just because of the floor plan. I mean, they don't
want to be sitting on I want to move.

Speaker 12 (18:37):
That one first, so they don't negotiate. But there's ways
to get a car cheaper.

Speaker 4 (18:41):
You don't seem to mind it.

Speaker 17 (18:42):
With Tesla Mark there's sort of one price.

Speaker 4 (18:44):
Now there are one peration.

Speaker 6 (18:46):
You're going to pay what you're absolutely right, but you're
dealing with the manufacturer. You're buying a wreck from manufacturer,
that's right. What drives me nuts? So these one price ones,
it's like, well, where do they draw that line? If
it's a fifty thousand dollars vehicle and you're gonna make
a deal for forty nine eight hundred. Are they literally
gonna tell you no? My understanding is yes, yes.

Speaker 12 (19:09):
Otherwise they're not a true one price roch.

Speaker 4 (19:11):
They're truly not there, and it just seems crazy to me.
I don't know. Maybe I like that aspect of buying
a car.

Speaker 7 (19:17):
That's why you go to the f and I well
Mark Mark.

Speaker 5 (19:19):
I've I've seen Mark shop cars any not the Tesla,
but the other cars, and he works one against another.

Speaker 4 (19:26):
I mean you you love the hat.

Speaker 6 (19:27):
And every Hondai I bought. I start out at a
wrapo Hondi. I go to McDonald Hondi and I go
to that one in the Springs. What's the one down
there called I forget?

Speaker 12 (19:36):
I'm sure it's probably a Phil Long sit and.

Speaker 4 (19:38):
I'll just shop them.

Speaker 6 (19:39):
Usually about five or six days later is when you
start getting those callbacks.

Speaker 4 (19:44):
You know you can't be ready to buy.

Speaker 6 (19:46):
If you go in to buy a vehicle, do not
plan on buying it that day?

Speaker 4 (19:50):
Would you agree with that? Bob?

Speaker 6 (19:52):
Let them sit, let them simmer with the offer. They're
gonna call you back.

Speaker 12 (19:56):
I mean most of the time, you know, I guess
it just depends on time a month.

Speaker 6 (20:00):
When someone uses you, like that guy that called up
with the Toyota correct, I mean, what do you do,
Like if he wants a particular car, First you got
to find the car, and then what do you call
him up and say, hey, I got a guy?

Speaker 4 (20:13):
Uh yeah, how do you deal? Price? Do you? Actually?
That's it? How do you haggle?

Speaker 12 (20:19):
So we don't necessarily haggle. We've got someone within the
dealership that deals with us. Sometimes they're called a fleet manager.
So because we buy a lot of cars, you know,
in a month or a year's time, we get special
pricing because we buy more cars than one person does.

Speaker 4 (20:34):
Oh of course, So.

Speaker 12 (20:35):
They give us pricing you know, in relation to costs,
and and then we just go from there.

Speaker 4 (20:40):
I got it.

Speaker 15 (20:41):
But it's got to marry too with the model. If
they're not available, you're gonna pay their price. They're not
going to haggle with you.

Speaker 4 (20:47):
Oh yeah. When cars are in demand, you're at their mercy.

Speaker 6 (20:50):
Now when you guys source a car or find a
car and sell it, are they technically buying it from you?

Speaker 4 (20:56):
Or are they buying it from X? Like Stevenson.

Speaker 12 (21:00):
So on most new cars the paperwork is from Stevenson
or the new car dealer because of you know, warranty work,
you know, the registration, warranty and all that.

Speaker 5 (21:09):
Yes, okay, I think do you think more and more
manufacturers want to do that direct model that Tesla does.

Speaker 4 (21:17):
I mean, I really like that model. I really do.

Speaker 5 (21:21):
I mean, even though it's one price, it just seems
to be such a great value if you look at
the cars and what they cost compared to comparable cars.

Speaker 4 (21:31):
I don't like the dealer model. I just don't like it.

Speaker 5 (21:34):
I mean, it's, you know, like that one guy.

Speaker 4 (21:37):
Says, you know, what dealer should I go?

Speaker 5 (21:38):
Do that the experience can vary so widely, and it
shouldn't be that way.

Speaker 4 (21:45):
I'm wondering.

Speaker 6 (21:46):
I like what Hondi's doing. I want your opinion on
this bomb through Amazon. They're the first manufacturer I know
of where you can buy new and used certified Hondis
right through Amazon. That's kind of crazy. I've never personally
done it, nor have I shopped it, but I'm hearing
that it's becoming kind of the way to buy a Hondai.

Speaker 12 (22:09):
I mean, I didn't know they were doing that.

Speaker 5 (22:11):
So no, I didn't either. That's incredible. Yeah, it is
very interesting. Okay, so this was just a switch gears
here a little. This guy says it could be a woman.
Actually it's a text. So I have an empty room
and I was thinking about renting it. But you scared
the hell out of me with your discussion the other day.
And that's true, and it should scare you because if

(22:31):
you rent a room out, even a room you have
to have, and you rent it for a certain amount
of time, you may not be.

Speaker 4 (22:38):
Able to get rid of them as easily as you think.

Speaker 5 (22:40):
You need to be really careful and dot your eyes
and cross your t's and make sure you don't get
yourself into a never ending lease because right now in
Colorado it's just crazy. You have to have a just
cause to get rid of people after a year. And also,
if you rent a room, it could turn out to

(23:03):
be a nightmare when you try to get rid of them.

Speaker 4 (23:07):
So there are ways to.

Speaker 5 (23:08):
Write leases that put the that puts you in the
driver's seat and give you the power.

Speaker 4 (23:14):
But you got to be very careful. Now.

Speaker 5 (23:16):
The biggest risk is when you invite a guest in
as a guest and then they claim residency. This is
the problem we talked about yesterday when a girl took
a guy home from a club after dancing and he
stayed the next day and he said, listen, this is

(23:37):
my place, this is where I live now, and they're
having a hell of a time getting rid of them.
Really a tough time.

Speaker 6 (23:44):
That's when you go out and get one of those
angry pit bulls.

Speaker 5 (23:48):
Yeah, you know what, since she lives there too, I
guess nothing would be holding her back from doing something
like that, you know, just or not paying her utilities
or something like that.

Speaker 6 (24:00):
Friends come over, you could you know. There's lots of
ways to handle situations like that. I'm not saying you
should or shouldn't, but the reality and what the laws
are are quite different in a lot of circumstances. That
being one, I think if there was some bum living
in my house because I wanted to rent a room

(24:20):
and I couldn't get rid of them, something tells me
I would figure out how to get rid of them. No,
I know what you mean. And there are other people who.

Speaker 5 (24:30):
If you look on YouTube, not here in Denver that
I've seen, but they offer to move in along with
the squatter or well along with the uninvited guests and
make life miserable for the person.

Speaker 4 (24:41):
We had one in Colorado Springs. Remember this time.

Speaker 6 (24:44):
It was towards the ass end of COVID, and what
happened was same kind of thing.

Speaker 4 (24:50):
They let this guy move in.

Speaker 6 (24:51):
They were running a room out and they couldn't get
rid of them, and the guy moved his son in
to make it even worse. So now there's two people
living in house and they had drugs. They called the
cops out and the cops wouldn't get rid of them.
They called us up, and we made some calls down
to KRDO, the television station down there, and started really

(25:12):
kind of threatening the police.

Speaker 4 (25:13):
Okay, we're going to expose this for what it is.

Speaker 6 (25:16):
And the cops actually did come back, but the only
reason they got rid of them was because of the drugs.

Speaker 18 (25:23):
Yeah.

Speaker 4 (25:24):
Man, it's getting to be a crazy world.

Speaker 5 (25:27):
And the more and more people feel entitled, the more
and more they're going to start pressing their rights like this.
I mean, it's going to happen, and it's going to
be harder and harder to deal with people. The thing
I've always said, though, is why would an attorney take
a case like that. Why would they ever sue a
homeowner for trying to get rid of them when they know,

(25:48):
damn well, they're not really paying rent, and they're not
a renter, and they're not a resident and they were
just invited over for a few days. I mean, this
is where I draw the line. Attorneys say, well, you know,
we're hired and we do the best for our client,
but I think you have to have some discretion.

Speaker 6 (26:05):
Well, well, the argument, of course, is in criminal right there.
I mean, my goodness, there's a lot of people we
know are guilty as hell.

Speaker 4 (26:12):
I know.

Speaker 6 (26:13):
I mean, look at the guy that shot at Charlie Kirk.
I mean, he's done everything and acknowledge and told his dad.

Speaker 4 (26:20):
But he's got an attorney.

Speaker 5 (26:23):
No. I understand that, you know, because they want to
make sure, they want to hold prosecutors to a certain standard,
to make sure that people aren't slam dunk into prison.

Speaker 4 (26:32):
I understand that principle more than I do.

Speaker 5 (26:34):
The civil cases, because with civil cases, there's nothing really
compelling about a civil case that makes somebody want take it.
They're just basically working by the hour, and they prostitute themselves.

Speaker 4 (26:49):
I mean, we've had the.

Speaker 5 (26:51):
Craziest cases where attorneys would represent someone with such a
crazy case just because they knew if they harass the
people enough, they get some kind of settlement and split
it with their client. In any case, we got more
coming up on the Troubleshooter Show. Get your calls in
if you have any car questions. And the issue with
movers VICKI. We're trying to see if we can get

(27:12):
a hold of them for you. They promised to consign
some stuff for her.

Speaker 4 (27:18):
Now she can't.

Speaker 5 (27:19):
I mean they're ghosting her and she can't find out
where her stuff is. The total value was about fifteen
hundred bucks.

Speaker 4 (27:25):
And then David is calling in. We'll go to him
right after this.

Speaker 5 (27:27):
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Speaker 4 (27:59):
Don't pay until you're content, wait.

Speaker 5 (28:04):
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one.

Speaker 4 (28:15):
Help.

Speaker 5 (28:15):
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 4 (28:25):
Come hey, I'm Tom Martino.

Speaker 5 (28:30):
You're a troubleshooter three all three seven on three talks
seven three.

Speaker 4 (28:32):
Each two five to five.

Speaker 19 (28:34):
Uh.

Speaker 5 (28:34):
Let's go to David, who has a he has a
comment on renters.

Speaker 4 (28:37):
Go ahead, David, what's happening with you?

Speaker 20 (28:42):
I was watching a program the other day and a
lady turned her house in a hotel and hus have
to come when she calls and when they don't pay,
and the cops come right away and they have to
take them out.

Speaker 4 (28:54):
Wow. Yeah, hotels are a completely different thing. Yeah.

Speaker 5 (28:58):
And I first of all, she'd have to do it
through zoning and all that too. I mean that would
be hard, but you know that is a twist in
the law. So they do hotels do have a whole
completely different list of regulations because otherwise they could not function.
If people just held over, they would not be able
to function. So are you saying that cops will get

(29:21):
involved when it comes to a teller hotel?

Speaker 16 (29:24):
Oh?

Speaker 20 (29:25):
Yeah, yeah, have you ever seen anybody?

Speaker 5 (29:28):
No, you're right, come to think of it, I've never No,
I've never thought about that before. I mean, I never really,
But you're right, you know they're not going to put
up with it at all. Maybe there is some way
to make the rules for your house when you're renting
out a room similar to that of a hotel or motel.
All right, we have Karen who has a question on

(29:51):
a roof claim. Go ahead, Karen, what's happening with you?
Welcome him?

Speaker 16 (29:56):
Thanks for taking my call. Yes, Karen had a friend
call me and he does roof estimating, and he worked
with safe Arms to bring up the price because what
they were offering wasn't enough. Now the contract went south.
We didn't sign anything or anything like that, and he's

(30:19):
charged me three thousand dollars because he was able to
get it.

Speaker 5 (30:24):
Wait a minute, is this a public Is this a
public adjuster or a roofer or who what is this person?

Speaker 16 (30:32):
Well, I think he's like a claims adjuster. He comes
in when people have roof issues and he hires the
companies to do the roof work, and he also hires
a company to get the right price that you need.

Speaker 4 (30:47):
No, I understand it sounds mark, Mark.

Speaker 5 (30:50):
It sounds like she's talking about a public adjuster. Public adjusters, Karen,
are adjusters that work for consumers. We have one on
the referral list that does a great job for people.
And what they do is they try to get, like
you said, more money for the claim to make sure
everything is covered, and then they even have references to
rufers and other people.

Speaker 4 (31:11):
But the point is this, though.

Speaker 5 (31:15):
It depends on the contract, did you have a contract
with this adjuster.

Speaker 16 (31:20):
No, we did not sign a contract, but we spoke
an agreement to have him do the work. But he
wasn't fulfilling what he was saying he would do. He
said he'd matched what State Arm came up with in
the end, and he was still a couple thousand dollars
more than what.

Speaker 21 (31:37):
They would do.

Speaker 4 (31:39):
Okay, but let me get this straight.

Speaker 5 (31:41):
Then you hired him originally to negotiate this claim and
he negotiated the claim and then he started the work,
and you decided to go with someone else after that.

Speaker 16 (31:53):
No, sorry, he has not started anywhere. All he did
was get the.

Speaker 4 (31:59):
Money, okay, farm got it? Okay? And how much was
he able to get?

Speaker 5 (32:06):
A really good said, he didn't actually get the money,
he just got it approved, right, correct.

Speaker 16 (32:13):
I have the money and he did get a good
amount of more money. It's like twenty seven thousand dollars.

Speaker 4 (32:20):
Okay. Now here's what I want to know.

Speaker 5 (32:24):
Why did you decide so you decided not to go
through with having him do the repairs after he settled
the claim, and he is saying, look, I should be
paid for at least what I did, right, correct, Well.

Speaker 16 (32:39):
He wanted ten percent. He wants ten percent of the
money that he was able to We don't have a
sign contract, and I did not like his what he
was going to do. We're laying metal.

Speaker 4 (32:53):
No, no, no, I get it. You don't. You don't
have to give me the reason you just changed your mind.

Speaker 5 (32:57):
But the question is do you owe him any kind
of a commission or any kind of a cut. And
you said there was no contract signed or no agreement made.

Speaker 4 (33:08):
I got to take this quick break.

Speaker 5 (33:10):
Let's come right back to you. Go with a sure
thing Denver's Best roofer Excel Roofing dot com.

Speaker 4 (33:20):
You don't pay a cent until you're content.

Speaker 5 (33:26):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Okay, I

(33:48):
want to go back to Katie because they're running out
of time this hour. But Katie, even if you didn't
have a written contract, the fact that you got value
from what he did, he might be able to make
an echo argument that he is deserving of something.

Speaker 4 (34:03):
But it can't just be arbitrary.

Speaker 5 (34:07):
Were you expecting to pay a commission for the amount
he negotiated?

Speaker 16 (34:13):
I'm sorry.

Speaker 8 (34:17):
I lost you.

Speaker 16 (34:18):
Can you hear me?

Speaker 4 (34:19):
Yeah?

Speaker 5 (34:20):
I can hear you? So how much more? How much
more did this guy.

Speaker 16 (34:25):
Negotiate twenty seven thousand.

Speaker 4 (34:29):
Twenty seven thousand more?

Speaker 16 (34:32):
Yeah? Tweet it's not the house.

Speaker 8 (34:34):
It's terrific.

Speaker 4 (34:36):
No, I get I get it.

Speaker 5 (34:37):
But he was able, But he was able to up
the claim twenty five another twenty seven grand. And basically
he's asking for ten percent commission.

Speaker 4 (34:48):
Is that right? Yes?

Speaker 16 (34:50):
And I offered him before all.

Speaker 6 (34:52):
Let's ask Matt his opinion. Let's let's yeah, let's.

Speaker 4 (34:55):
Let's do that.

Speaker 5 (34:57):
Okay, hold on a second, we'll ask our public adjust
than it has a question on a small claims court.
All of that coming up, plus our car experts. Kevin
Calkin was shared an Auto Tech and Bob Perry with
JFR Cars right after this on the Troubleshooter Show. Go
with a sure Thing Denver's Best Roofer Excel Roofing dot com.

Speaker 4 (35:17):
You don't pay a cent until you're content.

Speaker 5 (35:22):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two, Bobbinhood Trade

(35:44):
stocks and ETFs options, rip.

Speaker 2 (35:53):
Need so you.

Speaker 22 (35:56):
Don't have.

Speaker 3 (36:00):
This, shoot's gonna help come.

Speaker 4 (36:05):
Dix. Is the Troubleshooter Show.

Speaker 5 (36:08):
Now, Tom Martinez, Hey, welcome to the show. We are
here solving problems, answering questions, taking complaints.

Speaker 4 (36:15):
We're talking about cars at ay. Today is car Day.

Speaker 5 (36:18):
Uh Major, Mark Major back at the ranch, and h
has his guests at the studio.

Speaker 6 (36:23):
Mark, who do we have Kevin Calkin shared an auto tech.
Of course, Suzanne has joined us today.

Speaker 4 (36:29):
I'm Perry with cha fur Car Bob Perry and then
Kelly of course.

Speaker 5 (36:34):
So let's go to the phones and talk about anything
you want. Of Course, as I said, we do have
car experts. They are available today and I have a
few texted questions.

Speaker 4 (36:43):
But really here's the thing.

Speaker 5 (36:45):
I want to go back to Katie and finish this up, because.

Speaker 4 (36:48):
Katie, here's the deal. There.

Speaker 5 (36:51):
There's a concept in law called quantum marrowit and what
that means is, uh, you get you get merrit or
you get value, and you have to pay for it,
especially if you know what's going on and you don't
stop it. Now, that doesn't mean that they can just
charge anything they want. It would have to be reasonable,

(37:13):
and the courts, of course, depending on the case, decides
what reasonable is. But if he boosted your claim by
twenty seven grand and wants to be paid something on
that because you decided not to use him for the repairs,
I think he's well within his rights and is not

(37:34):
being unreasonable. Now, you technically didn't sign anything, but you knew.
For example, if this went to court, they asked you,
did you know he was negotiating on your behalf?

Speaker 4 (37:47):
What would that answer be?

Speaker 16 (37:49):
Yes, of course, And I offer him fifteen hundred.

Speaker 4 (37:53):
Okay, what did he think about that?

Speaker 16 (37:57):
No, he set me a bill for three thousands.

Speaker 4 (38:01):
And he's figuring ten percent. Is that what he's doing? Yes, sir, okay,
I think I.

Speaker 6 (38:08):
Think he could easily lean the property and then win
in court if he's going to go that far.

Speaker 4 (38:17):
Okay, you know. I mean, it's not like he's being unreasonable.
You may. I don't know.

Speaker 5 (38:25):
Why did you decide not to use him, by the
way for the repair part?

Speaker 16 (38:30):
For a lot of reasons. I didn't like the way
they were doing the repair. I had other people look
at it and say, no, you have to do it.
This way.

Speaker 4 (38:37):
Wait wait wait wait wait, So he did do work.

Speaker 16 (38:41):
No, no, no, on the proposals, on the proposals to
do right.

Speaker 4 (38:46):
We got you.

Speaker 5 (38:46):
So she didn't like what he was proposing for repairs,
what he was proposing.

Speaker 16 (38:54):
My husband did not like his demeanor and how he's
pushing his way around. He wrote me a nasty letter
and then the other and sa wait wait.

Speaker 6 (39:01):
Wait, you can't just glance over there. What what did
the letters say?

Speaker 16 (39:06):
It just said he was very disappointed in me, and
he wrote all this stuff about just you know, just
how he felt about it.

Speaker 6 (39:16):
But people don't do that out of the blue. I mean,
what led up to that was that after you told
him to hit the bricks?

Speaker 4 (39:22):
Yeah, okay, I.

Speaker 16 (39:23):
Guess after we had a conversation on the phone and
my husband said, no way, I will not let you
do the work with him. And then also he said
that he would go with the second time safe Arm
gave the price proposal back to us with third prices,
and it was still like, I don't know, within each
area a couple thousand dollars more so, but I don't

(39:49):
want him to be out of pocket. I want to
be righteous in the full situation.

Speaker 6 (39:53):
Well, you're because there's multiple different things that was wrong
with your house.

Speaker 4 (39:58):
And I want people to understand this.

Speaker 6 (39:59):
When you have let's say a roofer involved, you also
have a fence guy involved, you also have a sighting
guy involved. And then if you look at your policy,
because you have more than two different things, usually you
get overhead and profit of ten percent. So I think
it's fair to pay him that ten percent and then
you know, kiss him goodbye.

Speaker 23 (40:21):
Okay.

Speaker 16 (40:22):
And that was the other thing he kept talking about
a PA, which is I think what you're talking about
that I was going to have to pay ten percent
for him to do because legally he can't go after
the overhead and profit and he was going to have
me do that, and I did not explain it until

(40:43):
last phone call.

Speaker 6 (40:44):
Wait wait, wait, you just I'm sorry. You just kind
of confused me though. I guess Katie, what I'm asking
is he a PA or not?

Speaker 5 (40:54):
You know, if he's a market and what difference would
that make you?

Speaker 6 (40:57):
Well, we'll tell you why, because if he didn't do
any work and there's no contract and he's literally not
a public adjuster, he's just a contractor, I probably would
roll the dice and tell him to hit the bricks.
If he's actually a PA, that can go in front
of the judge and prove that he negotiated pricing up
and got her money that she wouldn't have got. I

(41:19):
think she needs to pay him, but that doesn't seem
to be it if he's not a PA.

Speaker 4 (41:24):
Wouldn't you agree, Tom?

Speaker 5 (41:25):
Yeah, I guess, I guess I can see that point.
I think I can see that point. Yes, But really,
no matter what, I think, a reasonable reasonable people would say,
you're going to owe something, correct, And.

Speaker 16 (41:44):
I, like I said, I offered him fifteen hundred because
I know that he's out of pocket some because he
used the company to get the adjustment. Let's stay farmed
to argue the dollar.

Speaker 6 (42:00):
So wait, mit, I understand, Wait wait wait did this
actually go to appraisalraisel?

Speaker 4 (42:09):
Now, like like what we mean by appraisal?

Speaker 5 (42:13):
Did did your insurance company take this to appraisal? Which
meant were they balking at it? And then you had
an arbitrator who did they pay fifteen hundred to? Who
the hell did you pay it to?

Speaker 24 (42:27):
Nobody?

Speaker 16 (42:27):
Yet I haven't paid any money. He wants three thousand,
and I offered to day him.

Speaker 6 (42:32):
But wait, wait, I thought you said fifteen hundred. What
what is the fifteen hundred.

Speaker 16 (42:38):
I offered in my letter to telling him that we
were not going to be used?

Speaker 6 (42:42):
No, no, you said you were out that he was
out of pocket. Yeah, he was out of pocket fifteen
hundred for what.

Speaker 16 (42:48):
No, he's out of pocket thumb because he paid a company.
Yeah to go back and say this is what it's
going to cause, so to get this worked out.

Speaker 6 (42:59):
Okay, I don't know. I just don't know what circumstance
you're in. I have no idea. I mean really, I
have no idea. Now, but you're saying you didn't go
to appraisal. Why did he pay somebody fifteen hundred dollars?

Speaker 4 (43:13):
Why to do? What?

Speaker 6 (43:14):
Did they show up at your house? And State Farm
sent somebody as well to your house?

Speaker 16 (43:23):
Now he walked the house with State Farm. They send
a guy who comes out State Farm does and he
met up with this guy.

Speaker 4 (43:34):
Yeah that's the appraisal. You went through appraisal. Yeah, you're
going to have a hard time.

Speaker 6 (43:39):
I mean, everybody knows you were using these people. You
are going to have a hard time.

Speaker 2 (43:43):
Yeah.

Speaker 5 (43:44):
No, no, you you went through an official process called
well Mark calls the appraisal process, that's what it's called.
And if they send someone out and then he negotiated
with them, you went through a whole he's owed the money.

Speaker 4 (43:57):
I mean, I don't see how.

Speaker 6 (43:58):
You get around people listening the appraisal simple. Once the
insurance company says, yes, there is a covered event, whatever
it is.

Speaker 4 (44:06):
Let's pretend it's a roof.

Speaker 6 (44:07):
Now they're going to say, okay, we're going to give
you fifteen thousand for the roof, and you're like, wait
a minute, it's going to cost thirty thousand. So then
you go into the appraisal. I hire somebody, they hire somebody.
Generally they would meet on my roof and the two
independent people hired by myself and the insurance company would
duke it out and come up with the settlement, and

(44:29):
usually it's somewhere in the middle. It sounds like you
went through that entire process.

Speaker 5 (44:35):
Yeah, I mean yeah, so that that's a whole different ballgame.

Speaker 4 (44:40):
You you actually went through that and you are owed.
I mean, he has owed the money.

Speaker 5 (44:47):
I mean, uh, and he's not even being unreasonable as
far as what he's asking for, you know, I mean,
it's it's really.

Speaker 6 (44:56):
Not you're saying he's at a pocket fifteen hundred because
he paid this person who did the appraisal.

Speaker 16 (45:02):
No, no, no, I'm not saying that that's what I
offered because I knew that he was out of pocket.
I talked to a different roof for guy, and he
said he probably paid two fifty to five hundred dollars for.

Speaker 4 (45:12):
Them to that's not true.

Speaker 6 (45:15):
The last time I went through appraisal on a hardwood floor,
it cost me eighteen hundred bucks.

Speaker 16 (45:21):
Okay, Okay, that's fine. Then I understand what you're saying.
I don't want to do it wrong, and that's why
i'm asking.

Speaker 6 (45:29):
Yeah, just if three thousand I think's fair and honestly
you're overhead and profit, it shouldn't even take away from
your claim.

Speaker 4 (45:36):
It shouldn't.

Speaker 16 (45:40):
Okay, well, it does a way, because the way it
needs to be done is going to be a little
bit more than what they all came up with. So
they're putting hat tack on. It's a metal roof, and
we're not taking it off because there's such an issue with.

Speaker 4 (46:00):
The Yeah, but that's not his that's not his fault.
That's not his fault.

Speaker 6 (46:05):
So you're not even going to do the roof. You're
just going to put the money. I mean, you're just
going to keep the money right.

Speaker 16 (46:11):
No, no, we're doing the roof.

Speaker 4 (46:12):
Okay, but you have to come out more out of pocket.
I get it. I just I tread water lightly with
this guy because he did.

Speaker 15 (46:19):
Do the work.

Speaker 4 (46:21):
Yeah, let's move on.

Speaker 5 (46:23):
I think thank you three oh three seven one three
A two five five. You know, we appreciate you asking
the question, but he's owed the money. Nate's got a
question on small claims court. Nate, what's going on with you?
Welcome to the show.

Speaker 25 (46:36):
So, hey Tom, thank you.

Speaker 4 (46:37):
Hey.

Speaker 25 (46:38):
So, I received a brochure from Chase Bank for a United.

Speaker 26 (46:43):
Airlines credit card offer.

Speaker 4 (46:45):
Yeah, it was.

Speaker 25 (46:46):
Eighty thousand bonus smiles. I spent the minimum amount of
money to qualify for the bonus and to take me
seventy thousand bonus miles.

Speaker 26 (46:57):
Why no idea? I reached out to their customer service.

Speaker 25 (47:02):
I figured it was just an error on their part.
They said they would look into it. They got back
to me, said I didn't qualify for the offer, but
no explanation why. And I have the brochure with my
name on it clearly shows eighty thousand bonus miles.

Speaker 4 (47:20):
Well, I don't understand what they're using.

Speaker 5 (47:23):
What are they using to justify their stands?

Speaker 25 (47:28):
Nothing?

Speaker 26 (47:29):
I mean, they didn't really tell me.

Speaker 25 (47:30):
They just said there's different offers for different customers. And
I didn't qualify, even though I have the brochure with
my name on it and it shows eighty thousand bonus smiles.

Speaker 4 (47:40):
And did Yeah? But did they?

Speaker 5 (47:42):
Here's what I need to know. We'll get into it.
Why did you not qualify? Did they tell you why
you did not qualify?

Speaker 20 (47:51):
They did not know.

Speaker 4 (47:53):
I think you know.

Speaker 21 (47:54):
I listened.

Speaker 5 (47:55):
We'll tell you the process for small claims court. And
by the way, airlines are not you and Mark.

Speaker 4 (48:00):
Has done it.

Speaker 5 (48:01):
We'll talk about that coming up three oh three seven
one three A two five five seven one three talk.
By the way, Denver Regen will get you stem cell
therapy and I've done it and they've gotten rid of
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Speaker 4 (48:15):
They were wonderful.

Speaker 5 (48:16):
They can also do hair regeneration Denverregen dot com. Go
with a sure thing Denver's Best roofer Excel Roofing dot com.

Speaker 4 (48:28):
You don't pay a cent until you're content.

Speaker 5 (48:34):
Time for an insurance check up free, no obligation in
comparison call Compass Insurance Pain too much your coverage at
dozens of insurance companies find out now three oh three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom March,

(49:03):
you know here three oh three seven one three talk
seven one three eight two.

Speaker 4 (49:07):
Five five Welcome.

Speaker 5 (49:09):
Let's talk to Nate Now, Nate Small Claims Court seems
like it could be if you're given no rhyme or reason.
You have an offer that says you get ninety thousand miles,
and you went through everything they said and then they
simply arbitrarily said you don't qualify. But they didn't give
you a reason. They didn't say, here's why you don't qualify.

(49:31):
When you go through the whole line here, I figured
it out. Whether I agree with it doesn't matter.

Speaker 6 (49:36):
But when you get that offer, okay, it is contingent
on your credit profile. So depending on what his credit
profile when he actually started filling out the information, which
could be his income, it could be literally.

Speaker 5 (49:50):
You know that, Mark, How do you know it's contingent
on the credit profile.

Speaker 4 (49:53):
Are you reading something? Yes, exactly, and I'm reading it
right from the website, so yes, okay, And so what
does this say?

Speaker 6 (50:01):
It says Chase Chase uses factors like income, credit score
typically seven hundred plus, FIICO, needed recent inquiries, existing Chase accounts,
existing United Okay. Then it puts you in a profile
and you're either going to get to seventy thousand or
the eighty thousand.

Speaker 4 (50:19):
That's basically what they're saying. Now.

Speaker 6 (50:21):
I still think if he actually took them the small
claim score it for fifty five bucks, and I have
happened to sue this bank before and I was I
got exactly what I wanted, So I think they would
come out and give them the ten thousand miles. I
don't think it would be an issue and pay his
fifty five bucks back.

Speaker 5 (50:41):
But it's not arbitrary, Nate, as you were saying, it
really isn't. I mean, there is an explanation there that
Mark just read.

Speaker 25 (50:51):
That's interesting, okay. I mean I have an eight hundred
plus credit score, I have other accounts of Chase.

Speaker 6 (50:57):
I would just, like I said, though, file the Yeah, yeah.

Speaker 4 (51:01):
I would file it.

Speaker 6 (51:03):
I would find the closest Chase bank to you, Well,
where do you live?

Speaker 4 (51:09):
What county?

Speaker 13 (51:11):
Rap ho?

Speaker 4 (51:12):
I'd file right in a wrap ho. Then that's exactly
what I can you just go to any of the
Chase banks.

Speaker 6 (51:17):
Yeah, that's actually I served a teller. I literally served
a teller at a Chase bank.

Speaker 4 (51:24):
Wow. I didn't realize you could do that.

Speaker 7 (51:27):
Yeah.

Speaker 6 (51:27):
I literally served it, and I probably heard back from them.
I would say within three or four days, and I
got my money. You know what mine was about, Tom,
Do you remember this one?

Speaker 4 (51:39):
What it was Chase?

Speaker 1 (51:40):
No.

Speaker 6 (51:41):
I I sold one of my Genesis. I sold my
G ninety. So it was a big sedan, a big
V eight sedan made by Genesis, and I sold it
to this guy and we met it a Chase bank.
I didn't even have a Chase account, but he did.
And I wasn't going to let him go without getting
a bank drafted cashiers check.

Speaker 4 (52:02):
Yeah.

Speaker 6 (52:03):
So they said, no, it can only come out of
his account, and I knew he could cancel it. I
said nope, that's crazy. I said I want it drawn
right here on the bank and they said, well, we
can't do that, and I said that I want cash.
You better find fifty grand back there and give me
the fifty grand. They said, nope, we don't have it.
But they called around. They said this other branch does.

(52:25):
So go to this other branch and bring this check,
this cashiers check, and you can cash it for fifty
grand down there. I got to the other location and
they said, well, yes, we do have fifty grand, but
we're not going to give it to you because it's payday,
it's Friday, and we ordered that much cash. Because of
these other reasons, we can't give you all the cash.

(52:47):
So I ended up not having the cash for about
five or six days and depositing the cashiers check through
my bank. So I sued him for the interest on
that fifty thousand dollars for five days, and they didn't blink.

Speaker 4 (53:01):
They paid every bit of it. Wow.

Speaker 5 (53:04):
So when you deposited the check, though, don't didn't you
get credit for that.

Speaker 6 (53:10):
When it took it took five or six days for
it to clear. Oh, so you not to mention I
had to wait for the weekend too. I had to wait.
Uh that was on a Friday. I had to wait
Saturday Sunday. Finally the funds were available in my bank
to transfer to like my amer Trade account the following Friday. Okay,

(53:31):
all right, wow, so but and I said, I literally
served the guy. I served the jerk that wouldn't give
me the cash. I literally walked in, made sure he
was there, and I had a buddy of mine serve him.
And they they did. They answered very quickly. I know
Suzanne's going.

Speaker 4 (53:46):
I'm the one that served.

Speaker 7 (53:48):
Yeah.

Speaker 4 (53:48):
I had Suzanne walk in and serve himself.

Speaker 5 (53:50):
Yeah, because you're not allowed to serve in your own case.

Speaker 4 (53:52):
Right, Yeah, that's right. So George called.

Speaker 5 (53:56):
Yesterday's car was dinged in a Walmart parking lot and
an employee was gathering carts and dingd his car. The
insurance adjuster said, the video showed that he backed in
to the carts and the carts did not hit him.

Speaker 4 (54:16):
What are you calling about today, bro?

Speaker 18 (54:20):
Yeah, I called for the same reason because I think
what she said is not correct. He was the mayor operator,
the employer of Walmart was dragging, i mean pushing the
right from the other side with about ten cart and

(54:44):
it was warbbling here and there.

Speaker 5 (54:46):
And how much did you say the damage was? Did
you say it was about six hundred dollars?

Speaker 18 (54:52):
Yes, sir, six hundred and fifty.

Speaker 5 (54:55):
And we thought it was strange that Walmart would put
up a fuss about it. But they're saying that you
backed into it, and you said your car wasn't.

Speaker 4 (55:03):
Even running, and yeah.

Speaker 5 (55:06):
You couldn't have backed into it. This might be another
small claims thing. I mean, so they flat out said
they're not going to pay.

Speaker 4 (55:14):
For your car.

Speaker 5 (55:16):
Yeah, they didn't make you any kind of an offer.

Speaker 18 (55:21):
No they did not.

Speaker 4 (55:25):
Will they let you look at the video? No they
did not.

Speaker 18 (55:30):
They said it is against articular.

Speaker 4 (55:34):
Yeah they do that.

Speaker 5 (55:37):
Well, I George, you heard us talk about small claims court,
and really this is a case made for it. I mean,
they're not gonna, you know, if we call them, they're
not going to say, oh, yeah, we'll go ahead.

Speaker 4 (55:49):
And pay it.

Speaker 5 (55:50):
They really believe they have evidence that you backed into it,
and Mark, is it likely they would actually show up
with that evidence.

Speaker 6 (56:02):
That's an interesting one. I don't know. I don't know.
They might actually fight it if they have the evidence.
If they don't have the evidence, I think the guy
would get paid. I find the whole thing strange that
a company of that size really cares about five hundred

(56:22):
bucks or whatever it is, I find it very bizarre,
and to be honest, I'll be very honest here, I
don't know if you remember correctly. I think you probably
backed into the carts.

Speaker 4 (56:37):
Why do you feel that way.

Speaker 6 (56:39):
Mark, because I can't imagine they said they looked at
the video and saw that and they're completely lying about it.

Speaker 4 (56:46):
I find that just crazy.

Speaker 24 (56:49):
Yes, so you.

Speaker 4 (56:52):
Agree with me, George? Did you talk to a particular
person at Walmart? Aren't?

Speaker 8 (57:00):
Yeah?

Speaker 4 (57:00):
He talked to whoever.

Speaker 6 (57:01):
Remember they're self funded or self insured, so he talked
to whoever the adjuster was. And you did say they
told you they watched the video, right, George, and they
saw you back into the carts? Is that correct?

Speaker 7 (57:15):
It is correct?

Speaker 1 (57:16):
No?

Speaker 6 (57:17):
No, no, no, I'm not saying is that what happened?
Is that what they told you?

Speaker 4 (57:23):
Yes, they told you they looked at the video.

Speaker 6 (57:25):
So we'd have to believe a company that makes a
million dollars every minute, if not every second, whatever it is,
really cares and would outright lie about this.

Speaker 4 (57:36):
I just don't. I just don't see it. It's possible.

Speaker 5 (57:43):
Well, let's you know, George, do you know how to
do small claims?

Speaker 22 (57:50):
Yeah?

Speaker 18 (57:50):
I don't know, but I'll have to try this old
what you.

Speaker 4 (57:54):
Do is you go to what county? Is this? This
is Quincy? Right?

Speaker 24 (57:59):
This was a.

Speaker 6 (58:01):
Yeah, well, Shannon, listen, Shannon looked it up. They make
they make one point three million a minute. I mean,
why would they? Why would they completely lie? Maybe it
was ambiguous. I don't know because I haven't seen the video,
But why would they? Why would they lie about this?
I mean, does that men don't think they said?

Speaker 4 (58:21):
I don't think they would. I don't know.

Speaker 5 (58:23):
They might might have made just a mistake on how
they're interpreting it.

Speaker 4 (58:27):
That's possible.

Speaker 5 (58:28):
Yeah, So George, if you go to Quincy in Bellevue
would be what county?

Speaker 4 (58:34):
That would be.

Speaker 6 (58:37):
County that particular Walmart's in And once again with Walmart,
they're going to have a registered agent. I mean, it's
going to be a no brainer to serve them. So,
I mean, it's just how much you looking for. I
forget six hundred, six hundred bucks.

Speaker 4 (58:55):
They might just pay it.

Speaker 6 (58:57):
I mean, honestly, it's not worth anybody's time to show
up for six and fifty bucks. But Walmart also, like
a lot of big, big companies that are targets of
lawsuits and issues like this. They fight everything, so they
don't set a precedent of being easy targets. So I
don't know how they would take to this.

Speaker 4 (59:15):
Yeah, George, just try it. You go.

Speaker 5 (59:18):
You can fill out the paperwork online and then you
have to you have to print it out, and then
you take it to the courthouse and they'll tell you
what to do.

Speaker 6 (59:31):
Yeah, you've basically you fill it out. You can find
it online. In fact, if you email us at Help,
I'll send you a link to it, and you just
fill it out online. You print it out, it'll print
out and triplicate. You bring that down to the small
claims in your county wherever you file them, the court
clerk will basically separate them into three things for you,
and she'll hand you back nice stapled copies and tell

(59:55):
you which one you have to have served to Walmart.
Then you simply look up who they're Regis, skirt agent is,
and you have a friend or your wife or someone
go down and actually serve them. And there's nothing to
it with Walmart. I mean basically, you put it in
a basket and sign something and then you're gonna hear
from them within three or four days. And I would
assume you'll tell them their story. They will probably go

(01:00:18):
look at the video, talk to whoever you talk to
that said they saw it. They'll figure out that it
happened or not. And I think it'll come down to that.
I think they probably will fight you if they see
you pulling out, and they'll probably counter to you for
the cost of them going.

Speaker 5 (01:00:34):
So anyway, Ernie wants to talk about a scam, I'll
take that right after this. Three O three seven one
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Speaker 4 (01:01:10):
You don't pay a cent until you're content.

Speaker 5 (01:01:15):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate man dot Com
to list your home with Remax Alliance. Three oh three
nine two zero sixteen twenty two. Okay, don't forget Compass

(01:01:42):
Insurance Group.

Speaker 4 (01:01:42):
We'll give you a free checkup of your.

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Insurance to make sure you're not paying too much or
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It's a free checkup and it's truly unbiased. Three oh
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Speaker 4 (01:02:00):
So, Ernie, what is this scam you're talking about? Ernie?
What's going on?

Speaker 27 (01:02:05):
I'm fining Tom. Thank you for taking my call, Yes, sir,
what I want to say is congratulation on your medical problem.

Speaker 5 (01:02:13):
Thank you, Thank you. You know that that is very
That means a lot to me. What's going on, Ernie?

Speaker 27 (01:02:21):
Well, I'm giving just getting this call of the third
time I've had it, this last in the last two weeks.
And they want to know if I'm Ernest Williams and
uh and I just say I put him on all
come out predisposed. I want to make sure that I'm
Ernest william before they make any move on it. I
just wondered how you think.

Speaker 5 (01:02:41):
Well, hold on, now, what did they say? Why did
they they just say?

Speaker 4 (01:02:45):
Are you Ernest Williams?

Speaker 5 (01:02:46):
Do they do they say why.

Speaker 27 (01:02:49):
Ernest william Yeah?

Speaker 5 (01:02:53):
Okay, Well when you say yes, you're talking to Ernest,
what do they want?

Speaker 27 (01:02:58):
Don't I don't admit that I'm Ernest?

Speaker 5 (01:03:00):
Oh?

Speaker 4 (01:03:01):
I see? Well how do you know it? How do
you know it's a scam?

Speaker 5 (01:03:05):
Know?

Speaker 27 (01:03:06):
I just tried to sprient her or we were having
I don't know who's on the phone with Kelly or who,
but we was having terrible, uh phone problems. She couldn't
understand what I was saying.

Speaker 5 (01:03:15):
No, no, I can't. I can hardly understand you either.
You got some kind.

Speaker 4 (01:03:19):
Of noise on your line? Are you on a bluetooth?

Speaker 27 (01:03:25):
No? Same? Thanks you ask me?

Speaker 4 (01:03:28):
And do you have so you have a cell phone
you're on right now?

Speaker 19 (01:03:31):
Right?

Speaker 27 (01:03:32):
No, I'm on I'm on the landline. But it's magic jack.

Speaker 4 (01:03:35):
Oh that's why she's just on a magic jack. It's
no big deal. Yeah, that's what it is. Ernie.

Speaker 5 (01:03:41):
Listen, Uh, when people call and ask if this is you, you
know obviously it could be a scam.

Speaker 4 (01:03:50):
It's good to be it's good to be skeptical, ask him,
who wants to know? Yeah, and why do you want
to know?

Speaker 5 (01:03:57):
They should be able to tell you everything if anyone's
the least bit sketchy, I hang up.

Speaker 6 (01:04:01):
You know what I mean? I would answer with this,
I know you are, but what am I?

Speaker 4 (01:04:06):
I was gonna say that that's so funny. Yeah, I
know you are, but what am I? Patty? What's going
on with car insurance? Patty?

Speaker 28 (01:04:21):
Well, I was in an accident fourteen months ago. We
both had green lights. I was turning left, it was dark.
Did not see her cubbies at all? Yeah, he bones me. Anyway,
I got the ticket.

Speaker 5 (01:04:36):
So really, why did you get the ticket? If she
t boned you left?

Speaker 21 (01:04:40):
Turn oh, turny left?

Speaker 4 (01:04:44):
Okay, got it?

Speaker 28 (01:04:46):
So I never saw her tubby got it to know
if her lights were on. But anyway, you know, after
an accident like that, I spent three days in the hospital.
I was so full of adrenaline, you know, I didn't
know what was going on. Clearly I didn't know right afterwards.
But anyway, fourteen months later, my insurance company is telling

(01:05:08):
me that she has an attorney right, they're going after
large fees for her medical expenses.

Speaker 5 (01:05:16):
Right, she's probably going after praying and suffering and everything
that is not unusual.

Speaker 28 (01:05:24):
Right, So what I need to know is that I
my interest company says, you know that they will hire
an attorney for me up to one hundred thousand dollars,
which is my coverage if I can't remember the if,
but you know whatever, Well.

Speaker 4 (01:05:44):
He's here, Patty. Here's what it is. You're covered to
a certain amount.

Speaker 5 (01:05:49):
Your insurance company will defend you, and they'll try to
settle within policy limits.

Speaker 4 (01:05:56):
But there is a possibility. It's very rare, very.

Speaker 5 (01:06:01):
Rare, that they come after you personally beyond the insurance,
unless you're very wealthy and very underinsured.

Speaker 4 (01:06:10):
Okay, well, Mark, what were you going to say? Well,
I'm a little actually it's a good question for fuller.

Speaker 6 (01:06:21):
But I thought that they had to pay for the
defense pretty much period. It wouldn't be limited to whatever
the main payout would be in her case, one hundred thousand.

Speaker 4 (01:06:33):
She said, Yeah. I think she.

Speaker 5 (01:06:35):
I think she was mistaken when they told her that.
They probably said, we're going to defend you, and we're
liable up to your policy limit.

Speaker 4 (01:06:45):
Yeah, as far as.

Speaker 6 (01:06:46):
Payout, but maybe it does only maybe if you have
I am curious about this, Like, let's pretend she only
had twenty five thousand in insurance. Would they only pay
twenty five thousand for the defense?

Speaker 5 (01:06:59):
I mean no, that doesn't include attorneys fees. That's payout.
That's what you're insured for against the other person or
for the other person. That's yeah, okay, yeah, that's administrative
that they defend you. But here's the deal, Patty. They
are defending you though, right.

Speaker 21 (01:07:23):
What do you mean?

Speaker 28 (01:07:24):
Yeah, I mean they're they're.

Speaker 6 (01:07:26):
They're providing you an attorney, right. I really do want
to ask John that though. I am very curious on that.

Speaker 5 (01:07:33):
Good, let's do that. Let's get John Fuller on. That's
a good question.

Speaker 4 (01:07:37):
Hold on.

Speaker 5 (01:07:38):
And then also, Patty, here's the other thing. Most likely
they're going to settle. They're not going to go to court.
I would agree, what is your total? But what is
your total coverage? Is your total one hundred thousand? Patty?

Speaker 2 (01:07:54):
Yeah?

Speaker 6 (01:07:55):
Yeah, so Tom, here's what I'm saying. Then we got
a break. But I think you follow me. But let's
just say the defense the attorney they hire I actually
racks up one hundred thousand bucks.

Speaker 4 (01:08:07):
Is that right? Is done?

Speaker 8 (01:08:08):
No?

Speaker 5 (01:08:09):
I don't think so, but let's ask John Fuller. We
got more coming right up? Let's do it go with
a sure thing Denver's best roofer Excel Roofing dot com.

Speaker 4 (01:08:22):
You don't pay a cent until you're content.

Speaker 5 (01:08:27):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one.

Speaker 4 (01:08:37):
Help.

Speaker 5 (01:08:38):
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 March, you know, let's bring
up John Fuller very quickly.

Speaker 6 (01:08:54):
Here Mark run it down for him. Hey, John, I
have got a question for you. So this person called up.
She's got one hundred thousand dollars in insurance. She is
being sued by the other party. It was her fault
she was ticketed. But the real question is this, they
are hiring an attorney. Her insurance company is hiring an

(01:09:14):
attorney to defender, which of.

Speaker 4 (01:09:15):
Course they have to do. Just as a total.

Speaker 6 (01:09:18):
Side note, does that come out of her cap if
she's got one hundred thousand in insurance, and they pay
this attorney one hundred thousand to defender.

Speaker 4 (01:09:29):
That's it.

Speaker 6 (01:09:29):
They don't even have to come out of pocket to
pay the other person. How does that work?

Speaker 23 (01:09:35):
No, the situation you're describing would be a claims within
defense policy. That's not what goes on. The cost of
that attorney is entirely born by the insurance company. They
will pay out up to the entire one hundred thousand
dollars of coverage and it will not be depleted in

(01:09:55):
any way by the defense costs.

Speaker 4 (01:09:58):
Got it? Got it? Oh, that's good to know. Okay, So.

Speaker 6 (01:10:04):
With though, Well, and here's why the question came up,
and let's bring her back up.

Speaker 4 (01:10:08):
Let me lock you in.

Speaker 6 (01:10:10):
So, Patty, did they tell you they would only go
up to one hundred thousand?

Speaker 4 (01:10:14):
What say again? What you said that brought all this up?

Speaker 28 (01:10:19):
I think there's some confusion. They haven't hired an attorney
for me yet. They're just working with trying to get
this claim settled. But their attorney, the other person's attorney,
is asking for me to fill out an affid David,
And I'm a little bit nervous about all of this,
and I'm thinking.

Speaker 5 (01:10:40):
An acid, David, what kind of an Affidavid?

Speaker 4 (01:10:43):
Yeah, hold on, We've got hold on. Let's let's listen.

Speaker 5 (01:10:47):
I want to reserve the right to bring John Fuller
back and we can call him back if that's okay
with him, and then we'll carry you over because these
are important issues, very important issues. I'm Tom Martinez. You
know we got more coming up. Plus we do have
car questions as well. Go with a sure thing Denver's

(01:11:07):
Best Roofer Excel Roofing dot com.

Speaker 4 (01:11:09):
You don't pay a cent until you're content.

Speaker 5 (01:11:15):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two news.

Speaker 22 (01:11:41):
You need a.

Speaker 3 (01:11:42):
Battle, you don't have, Come runs as we can. Shooter's
gonna help.

Speaker 6 (01:11:51):
Come Max is the Troubleshooter Show.

Speaker 4 (01:11:55):
No Tom Martino. Hello, I'm Tom Martino. This is the
trouble shooter showed. Today is car Day.

Speaker 5 (01:12:01):
This hour brought to you by Frank Duran, the real
Estateman dot com. For an analysis of your home and
what it will sell for and what you will clear.
He'll do that all complimentary, a complete detailed analysis of
your home with this market, the comparables for your house,
supply and demand, interest rates. He takes all those factors

(01:12:22):
into consideration to get it done. Just called Frank durand
the real estate Man dot Com three h three nine
to zero, sixteen twenty two. All right, So we left
off with a discussion on limits of car insurance, and
we asked John Fuller, if somebody has one hundred thousand
dollars in liability and they have to hire an attorney
to defend their client, does that come off the one

(01:12:45):
hundred thousand dollars they have for settlement or for liability?
And John said no, they provide defense and then they
will settle the full policy.

Speaker 4 (01:12:54):
Limit if they if it warrants.

Speaker 5 (01:12:57):
And then we left off with Patty, Patty, what was
it Mark that we left off that you want so.

Speaker 6 (01:13:06):
The the other party, the plaintiff's attorney, reached out and
want her fill out in affid David, and she doesn't
know what to do.

Speaker 4 (01:13:16):
I would think, Patty, and we're going to ask.

Speaker 6 (01:13:18):
We're getting John Fuller back up, but I would think
you would ask your insurance company, who's paying for your defense,
what to do?

Speaker 4 (01:13:26):
What? What is what does the affid David say, Patty
that they want you to sign.

Speaker 28 (01:13:31):
Well, first of all, they want to know whether I
have other insurance that would apply, an umbrella insurance, or
if I was working at the time of the accident,
which those do not apply. And then they're also asking
for my good safe estimate of my personal assets.

Speaker 5 (01:13:53):
And of course, really you see, Patty, what they're trying
to decide, and I've had this discussion with John Fuller before.
They're trying to decide should they go after you personally
or in addition to your insurance. But John, you told
me it's very rare that a party will go after

(01:14:17):
an individual outside of the policy.

Speaker 19 (01:14:20):
Is that right?

Speaker 23 (01:14:22):
Yeah, that that is correct, you know, just to elaborate
on what you said, Tom, the question is is the
person appropriately insured? You know, I always use the example
of if like Steve Jobs or or somebody you know,
was driving on Colorado roads with a minimal limits policy
of only twenty five thousand, you would say that that's absurd.

(01:14:43):
The guy's a multi gajillionaire that only had the cheapest
policy of insurance that he could ever buy, So that
would never be appropriate. And in that circumstance you would
never consider taking those policy limits. You'd go directly after
the tort feezer and collect all your damages from them.
But on the other end of the spectrum, for some people,
that minimal limits policy is all the money in the

(01:15:06):
world to them, and there simply are no additional assets
to go after. And so the planet's attorney is trying
to figure out which category you're in. If you have
significant assets and barely enough insurance, they may elect to
go directly after you and forego the insurance policy. Or

(01:15:27):
if you're appropriately insured and that is the single best
asset in your portfolio, then they're going to make the
determination that that's the way to go, and there's no
additional need to go after you because you wouldn't collect
any additional money.

Speaker 5 (01:15:42):
John, let me ask you something, John, John, I want
to ask you something. So on this evaluation they do
on how much your words and how much insurance you have,
they're asking for a good faith estimate of her net worth.
And if they decide to go after her personally, does
the insurance company still have to defend her.

Speaker 23 (01:16:03):
Absolutely?

Speaker 13 (01:16:04):
Absolutely.

Speaker 23 (01:16:06):
Okay, so they're still on the hook forard. I mean,
their policy is still in play. She you know, she
caused an accident. That's the only real factor that invokes
their duty to defend her and to have their policy
limits available. The only issue is whether or not they
agree to accept those policy limits in full satisfaction of

(01:16:28):
the claims or wait until the jury verdict comes back
and then accept the policy limits to offset that portion
of the damages that you know that we can you know.
So if you've got to well, let me.

Speaker 5 (01:16:42):
Ask you this, are they John, Are they entitled the
insurance company to say we'll pay out policy limits and
then if they come after you tough I mean, or
do they wait.

Speaker 4 (01:16:54):
For a jury verdict?

Speaker 23 (01:16:56):
No, So they've got really two choices. You can get
the policy limits and change for a complete release up front,
or as they go after you in court and they
get a judgment for an amount that's in excess of
the limits, then they will pay their limits out. But
that doesn't foreclose the remainder of the judgment, and now
we can go into the second chapter, which is whether

(01:17:16):
or not they committed bad faith by not offering those limits.
But generically, if you go to trial and you get
a judgment that's greater than the amount of insurance that
you have, the insurance company will pay their share and
then you're on the hook for the balance.

Speaker 4 (01:17:30):
Hey, hey, John, help me with the math real quick.

Speaker 6 (01:17:33):
Pretend you're on the other side and you have someone
come to you and truly has three hundred thousand dollars
in hospital bills and missed work. I mean, like a
pretty bad accident and the at fault drivers only got
one hundred thousand. But you find out the at fault
driver has a house that has five hundred thousand inequity.

(01:17:54):
I mean, where is that number to where you decide
not to take the three hundred and you go after
the five hundred because it's going to cost you a
lot more money, And of course getting in front of
a jury is just risky to begin with.

Speaker 4 (01:18:08):
I mean, what how do you calculate that risk?

Speaker 23 (01:18:12):
Well, I mean that's a great question, and it's a
it's a case by case ideal. But in the in
the scenario that you threw out there. It's his primary residents.
They're entitled to some homestead protections there. You would have
to get the judgment and then foreclose that judgment against
the primary residence, which you know is a whole different
ball of wax, and then convert that residence into cash.

(01:18:33):
I mean, it may be the case that that is
just too much to do for too little potential extra gain,
you know, when compared to the three hundred thousand dollars
policy that you used in your example.

Speaker 4 (01:18:45):
So it's really just case per case.

Speaker 23 (01:18:47):
Yeah, it really is, it really is.

Speaker 6 (01:18:49):
Yeah, Don Fuller, we appreciate it. You know, when I
hired John, as you know, Tom, I've hired him twice.
The one time where he Tiba or not he the
at fault Drive, I were t bone Susanna and I
coming back from Sam's Club. I found out where the
guy worked and this is this is a very true story, and.

Speaker 4 (01:19:07):
They didn't have.

Speaker 6 (01:19:10):
They hit us, but they also hit another lady, so
they had like fifty grand or one hundred grand in insurance,
I forget, but she hit both of us, so we
ended up getting basically half of the half.

Speaker 4 (01:19:22):
Okay, does that make sense so far? Yes?

Speaker 6 (01:19:25):
But What killed me is I kind of I found
out where this guy worked, and I was like, hey, John,
I know where this guy works.

Speaker 4 (01:19:32):
I don't know why, you know, he's got a job
and stuff.

Speaker 6 (01:19:35):
I don't know why we can't get more money because
we did have more damages than that, and I wanted
to go talk to the guy where he worked.

Speaker 4 (01:19:42):
And what did you tell me?

Speaker 7 (01:19:43):
John?

Speaker 24 (01:19:47):
Oh?

Speaker 23 (01:19:48):
That was a hard No, absolutely not.

Speaker 4 (01:19:50):
We're I'm going to do that, Mark.

Speaker 27 (01:19:53):
Yeah.

Speaker 6 (01:19:53):
So, but it is frustrating when you know there is
more damages there, but you got to make that real decision.

Speaker 5 (01:20:00):
So yeah, And there's nothing to prevent you from suing
in court and then letting the policy cover the first
part of the judgment and then collecting from the party
if you think you can do it. And the last John,
can't people simply bankrupt? Like, let's just say you went

(01:20:20):
to court, you sued someone and their policy paid three
hundred grand and they owe another seven hundred Can't they
just bankrupt out of it if they don't have it.

Speaker 23 (01:20:31):
That's absolutely they can. Yep, And that's the risk that
you run. So back to Mark's example, they you know,
now you know that example included a house with a
bunch of equity, and that's real property, and you can
folloween and you know that gets into a whole separate
all of wax. But there is no real protection you know,
for your damages and bankruptcy court. And unless there are

(01:20:55):
a type of damages like punitive damages, which is you know,
really an outside chance of getting punis in another case
that adds in some early extraordinary facts. But otherwise, yes,
they can just simply go down and file bankruptcy and
be done with them.

Speaker 6 (01:21:09):
Hey, we did not answer this for Patty though, So John,
that other insurance company wants her to fill out this questionnaire.

Speaker 4 (01:21:16):
What should she do?

Speaker 23 (01:21:18):
Well, yeah, let me explain what that's all about. They
are just trying to find out what your what your
financial situation is, and whether or not you're appropriately insured.
You have every right to tell them no and to
pound sand and you're not going to provide anything. But
if you do that, you may well find that the
next thing you get is a summons suing you, and

(01:21:40):
then they'll find out in discovery the exact same answers
to the exact same questions with you under oath in
a deposition. So my best advice is you know, you
need to talk to your attorney and weigh out the
you know, the consequences of not cooperating with them versus
the chances that they're going to accept the policy limits

(01:22:01):
and give you a complete release and go away, and
that'll be the end of it.

Speaker 4 (01:22:05):
Patty.

Speaker 6 (01:22:05):
How much do you have in assets? If you don't
mind saying, I mean, you have one hundred thousand in insurance?
Do you have a million dollars in assets? Are you
truly under insured or it's not even a big deal.

Speaker 28 (01:22:17):
I have approximately four hundred to five hundred thousand dollars
if you count the equity in my home.

Speaker 5 (01:22:25):
Yeah, god, that's I mean, well, the equity in your
home is hard to get to really, I mean it's
subject to homesteat exemption and selling the house and selling expenses,
and unless it's an extraordinary amount of equity.

Speaker 4 (01:22:40):
Do you have a loan on your home? Yes?

Speaker 19 (01:22:43):
I do.

Speaker 28 (01:22:44):
I owe about two hundred thousand and it's worth about
six hundred thousand.

Speaker 4 (01:22:49):
Yeah, that's not a target. That's not a real target.

Speaker 23 (01:22:52):
I don't think it's a target either. I think that
you know, and you need to talk to your attorney.
You're and if you don't have to sign yet. The
adjuster can easily assign an attorney to you to give
you advice about this particular case as it applies to you.
But but you know, evaluate the cost of not cooperating

(01:23:12):
versus showing them the cards and having them conclude themselves
that your insurance is the most valuable policy or most
valuable asset that you have.

Speaker 6 (01:23:22):
Yeah, you don't want to make them start thinking you've
got all this money because you won't answer questions.

Speaker 26 (01:23:28):
Yes, that's exactly what I definite.

Speaker 28 (01:23:30):
It wasn't clear as to my real questions. Do I
need to hire an attorney on my own?

Speaker 24 (01:23:37):
No, I wouldn't.

Speaker 23 (01:23:39):
I wouldn't suggest that you do that at this point.
You know, the insurance company has a duty to defend you,
and I don't think it's unreasonable for you to want
to get some advice. And I think they could easily
assign it to one of their attorneys, who is on
the payroll for these insurance companies, so it doesn't exactly
cost them anything to get you somebody that could give

(01:24:02):
you advice. If you did choose to hire somebody, I would,
I would, really and truly you're not going to need
to pay them more than about an hour's worth of
their time to get every question you could possibly think
of answered. But I'm telling you the place to start
would be to talk to your adjuster and to have
them assign somebody to inform you about how right I

(01:24:24):
have to take a break.

Speaker 4 (01:24:25):
Thank you, John Fuller. If you have other questions, you
can hang on.

Speaker 5 (01:24:29):
John Fuller is available when he's not here always to
answer your questions without any obligation. At three zero three
five nine seven forty five hundred five nine seven forty
five hundred Genesis tootalexteriors dot com.

Speaker 4 (01:24:42):
We know they do everything on the outside of your house.

Speaker 5 (01:24:45):
They also do bathrooms and kitchens and listen to this
mold detection and remediation Genesis tootalexteriors dot com. Go with
a sure thing Denvers Best Roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for

(01:25:08):
an insurance check up free, no obligation. In comparison, call
Compass Insurance. Pay too much your coverage at dozens of
insurance companies. Find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino, here

(01:25:33):
your troubleshooter three O three seven one three talk seven
one three eight two five with Major Mark Major, who's
a troublemaker? And Larry, what is your question on water heaters?

Speaker 25 (01:25:45):
Well, I just wanted to talk to you and see
what your thoughts are.

Speaker 15 (01:25:49):
I've got a purty.

Speaker 10 (01:25:51):
Old, probably twenty some years old waterheater dot give a leab, but.

Speaker 27 (01:25:59):
I don't.

Speaker 4 (01:25:59):
It's losting you money. I'll tell you that right now, Larry.

Speaker 6 (01:26:03):
It's costing you money your euro plumbing less than two grand?
Euro plumbing, euro plumbing, what are they that's a fifty?
That's a forty gallon?

Speaker 7 (01:26:14):
Right, Mark?

Speaker 4 (01:26:15):
No?

Speaker 6 (01:26:15):
For I mean two grand, it'll be a fifty and
it'll be probably not super high efficiency, but not the
lowest either.

Speaker 4 (01:26:22):
Or what do they call it? Quick recovery? It'll be
a quick recovery. You can get it. Are you kidding me?
For wait? Wait? Wait wait bait? Are you kidding me
for that price? They'll do a quick recovery.

Speaker 6 (01:26:30):
I'm pretty sure. Yeah, I don't mean tankless, I mean
a quick recovery, right, I understand what you're saying. Yeah,
they also have tankless they have all that stuff. But okay,
let me explain this to you, Larry, Larry.

Speaker 5 (01:26:44):
Each tank has what's called the rate of consumption, meaning
the rate at which it will.

Speaker 4 (01:26:49):
Feed water out.

Speaker 5 (01:26:50):
Quick recovery almost keeps up with the the the water
going out. So as the water goes out, the water
at the bottom is being heated, so it keeps up
almost keeps up with consumption. Not quite, but for example,

(01:27:12):
can turn a fifty gallon tank into a virtual two
hundred gallon tank.

Speaker 4 (01:27:20):
Yeah, if you.

Speaker 6 (01:27:20):
Would have run it one, like if you were running
one shower with hot water, you would never run out
of hot water with one.

Speaker 4 (01:27:27):
But if you add both showers on it at the
same time or.

Speaker 6 (01:27:29):
Something like that, Yeah, like Tom still could it's like
having one hundred or two hundred gallons.

Speaker 4 (01:27:35):
Yeah, exactly, but it's not it.

Speaker 5 (01:27:38):
It will eventually run out if you're using it too much,
but it it kind of quadruples the size of your
water heater, the quick recovery part, because as you're using
it is heating it and is heating it very rapidly
and it's very insulated. And so I would say, in
my opinion, because of the cost of the constant flow,

(01:28:01):
which they call the instant, I wouldn't get an instant
I think.

Speaker 4 (01:28:05):
Now I have one in my home.

Speaker 5 (01:28:07):
I absolutely love it, but I think that most the
cost is a little up there, and I think that
a quick recovery is the way to go. Oh good
when you balance, when you balance cost with efficiency.

Speaker 4 (01:28:23):
Yeah, those guys have so listen.

Speaker 6 (01:28:25):
I mean really, they specialize in the water heaters, and
they do sewer lines, and their big big thing for
people out there is the whole house repipes, the PEX repipes.
They do whole pipe or PEX repipes of homes cheaper
than anybody else. In fact, there's a lot of companies
you'll see advertise that on TV. These guys do the work.

(01:28:48):
In other words, it's like an advertising company that hires
them and marks it up.

Speaker 4 (01:28:52):
I mean, these guys are just phenomenally cheap and good yeah,
good euro plumbing. Yeah.

Speaker 10 (01:29:00):
And contrast something like that versus tankless and yeah, I
like I.

Speaker 5 (01:29:07):
Said, a tankless, a tankless is going to be almost
twice as much. Yeah, And there are times when a
tankless is worth having most of the time, you don't,
you don't need it.

Speaker 6 (01:29:23):
Hey, by the way, hold on, hold on, just while
I have it on the top of my head. It's
seven to zero, five hundred three thousand. Seven to zero,
five hundred three thousand is their number.

Speaker 4 (01:29:35):
Okay, Now what were you saying, sir? What were you saying, Larry?

Speaker 10 (01:29:40):
Well to say, it's just my wife and myself were
you know, in the mid seventies, we probably only take
the shower, you know, never two at a time kind
of thing.

Speaker 21 (01:29:53):
You know, we're not into that sky stuff anymore.

Speaker 6 (01:29:56):
But uh, okay, I just get in your case, just
get a nice like what is it, white Westinghouse?

Speaker 4 (01:30:04):
What is the name of it?

Speaker 7 (01:30:05):
What is that?

Speaker 4 (01:30:06):
You can't think of it?

Speaker 6 (01:30:07):
But they've got a great warranty Bradford Bradford right, white? Yeah,
like fifteen sixteen hundred bucks man.

Speaker 5 (01:30:15):
Yeah, you probably don't even you probably don't even need
a quick recovery.

Speaker 6 (01:30:20):
You probably don't know not if he's not doing the
you know that stuff in the shower anymore.

Speaker 2 (01:30:26):
Right, Well, we might.

Speaker 10 (01:30:30):
We like it, warn but you know we don't like it.

Speaker 4 (01:30:32):
You know, Hey, Larry, you know what isay? You're an
old fart.

Speaker 22 (01:30:35):
If you're over seventy, well, of course, can you imagine Tom,
can you imagine being well, I'm glad I'm over seventy
guy almost didn't make it, so I'm seventy two.

Speaker 4 (01:30:47):
But the last year has been a battle.

Speaker 5 (01:30:50):
And by the way, speaking of that, when we come back,
I want to I want to plug something for pancratic research.
It's a run walk tomorrow and Denver by UC Health,
So I'll tell you about that if you want to
come out. I'm going to be there for sure, and
a whole bunch of survivors will be there, and it's
specifically for pancreatic cancer.

Speaker 4 (01:31:11):
We got more coming right up.

Speaker 5 (01:31:19):
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
to seven to one help. You'll think you're his only

(01:31:41):
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,
your troubleshooter three O three seven to one three talks
seven one three eight two five. Let me just see

(01:32:01):
if we have any problems, questions and complaints we can
solve for you. Does Larry still have something? Is he
still up for a reason or did we take care?

Speaker 4 (01:32:14):
Good? Okay, thank you.

Speaker 5 (01:32:16):
So tomorrow at City Park there is going to be
a run walk and it's going to be for cancer research,
and it's specifically for pancreatic cancer research.

Speaker 4 (01:32:32):
Now, I've had my.

Speaker 5 (01:32:32):
Battle over the past year. Literally this entire year has
been taken up. Oh my goodness. Without Mark and Suzanne,
we wouldn't be here right now. They picked up all
the slack and then gave me the comfort of getting better. Anyway,
City Park is going to have a five to ten
mile k, a five k and a ten k and

(01:32:55):
a one mile walk for pancreatic cancer.

Speaker 4 (01:32:58):
Can you guess which one I'm going to be doing?
Are you going to do the bide k? Of course not,
I would kill myself.

Speaker 5 (01:33:06):
I'm going to do the one mile walk and Stephanie's
going to be with me. Anyway, The CU Cancer team
will be there and even if you're not signed up,
it's kind of late to sign you can't sign up now,
so you can come and support it and there'll be
some fundraising there. And it's the University of Colorado you
see health and the pancreatic Cancer team, and it's tomorrow

(01:33:31):
and it starts at well seven point thirty is when
the expo opens, but you don't have to be there then,
but the race has started at around nine o'clock, nine
ten and ten, and then there'll be things you can
buy and support, swag and stuff you can do. And
it's City Park, so that's the one city park classic

(01:33:53):
that is the one where stuff City Park.

Speaker 4 (01:33:58):
So I appreciate it. If you want to come by,
I'll be there, or if you just want to support it.
It means a lot to me. And these people at
university they were freaking great. I mean just great. Okay.

Speaker 5 (01:34:11):
You know, like, first of all, let me explain something
to you. You know, if you had to coordinate all
the care by yourself, you could never do it. They
have complete teams that coordinate all of your care, all
of your care. And by the way, people had asked
me about symptoms of pancretic cancer, and there were a
few that I ignored because I didn't think that anything
of it, And I did a LinkedIn video and.

Speaker 4 (01:34:34):
A YouTube video on the symptoms the early symptoms. Believe
it or not.

Speaker 5 (01:34:39):
One of the early symptoms was itchiness. I didn't know why,
but it was like a weird itchiness around more than
dry skin.

Speaker 4 (01:34:49):
And then of course there were others.

Speaker 5 (01:34:51):
You can see on this video on LinkedIn if you
look for Tom Martino or if you go to our
Troubleshooter network on YouTube.

Speaker 4 (01:35:00):
So I got a question for Bob over at you
fr cars.

Speaker 5 (01:35:04):
Bob Perry, what is the longest term for leasing you
would recommend or not recommend?

Speaker 4 (01:35:10):
And what do you say for the least term?

Speaker 5 (01:35:14):
The least term I know, Bob, I'm looking into leasing
and I had you check out three years. I don't
think i'd ever do two years because you take the
biggest hit and you don't get any of the benefit.
I mean, you get benefit, but you take a big
hit in the first two years. Three years kinds of
balances it out. What do you think two, three or

(01:35:34):
four years?

Speaker 12 (01:35:36):
So most of the manufacturers do three year because they
want these cars back when they're three years old. Because
they have more value, they're more saleable. Just depends on
what the programs are. I wouldn't have a problem doing
a four year lease on the right car, and if
it makes the payment better. You know, when you have

(01:35:56):
like a cap production, if you put money down or
there's a big incentive from the manufacturer, sometimes the shorter
term will have a lower payment because of you know,
the down because of the.

Speaker 4 (01:36:07):
Higher residual, because of the higher residual.

Speaker 12 (01:36:10):
Not necessarily the higher residual, but also that that cap reduction,
whether it's from you or from the manufacturer, it has
a biggert in a shorter term.

Speaker 5 (01:36:18):
Right, But residuals also play an important part, right because.

Speaker 4 (01:36:22):
That's how much it's going to be worth.

Speaker 5 (01:36:24):
That's how much they say it's going to be worth
at the end, and that kind of takes the risk
out of having a used car, like.

Speaker 12 (01:36:31):
Yeah, for sure. I Mean I always said, if someone's
willing to gamble on the future value of a car,
you should let them because nobody knows what they're going
to be worth. And in the times we're in right now,
who knows what cars are going to look like in
three years? Electric hybrid plug and hybrid gas. I mean,
we have no idea now.

Speaker 5 (01:36:48):
Other than Tesla, which has its own lease program and
they're very generous.

Speaker 4 (01:36:53):
It's a very good lease program.

Speaker 5 (01:36:55):
You told me, Bob that the electric market, the EV
market is kind of weird when it comes to leasing
because there's so it's such a big unknown to them.

Speaker 13 (01:37:06):
Correct.

Speaker 12 (01:37:07):
But the manufacturers have decided that they need to come
out with a great lease program because that's the only
way they're going to sell these cars. So they've got
some gigantic rebates, they've got low money factors. There's a
lot of things that play into a lease. But right now,
my opinion is they're just trying to get them on
the street and they're kicking the can down the road,

(01:37:27):
hoping in two or three years these cars have value,
and I don't know that they will.

Speaker 4 (01:37:33):
And one of the.

Speaker 5 (01:37:34):
Best leasing programs for evs again is Tesla. They have
incredible leasing. Okay, Now did Rodney Rodney, did you show
up there?

Speaker 4 (01:37:45):
I can't see on camera here he was just rod
stepped out.

Speaker 5 (01:37:49):
Okay, Okay, because we well, maybe I'll ask you. Somebody
wants to know about consignment. Hey, really, how does it work?

Speaker 4 (01:37:55):
Okay? Do you think about it? Maybe after the break.

Speaker 6 (01:37:58):
Bob was listening to us talk about gap insurance last
week and he's got a big disagreement on some of it.

Speaker 5 (01:38:05):
Oh he does, Okay, on what it covers. We'll talk
about that after the break. But what about consignment? How
does it work? So?

Speaker 12 (01:38:14):
I mean, you know, we you know, make sure the
cars pass safety and inspection and and come up with
a value that you know that works, and then we
have a consignment agreement that you know will pay us
out of that agreement.

Speaker 4 (01:38:29):
Okay.

Speaker 5 (01:38:30):
So do they have to surrender use of their car
during the consignment period.

Speaker 12 (01:38:34):
I mean, they don't have to, but it's best if
they do, because if someone just looks online and stops
buy and wants to see the vehicle and it's not there,
we miss an opportunity.

Speaker 4 (01:38:44):
So we prefer to have it, yes, okay.

Speaker 5 (01:38:47):
And does it really take the hassle out of it
for individuals, because really it's not safe anymore, I swear
to God, you know, especially if someone says they want
to take your car and have it checked out and
all of that. I mean, how do you even evaluate
a buyer? I think consignment is one of the most
solid ways to do it, especially when you consider all

(01:39:09):
of the ripoffs on Craigslist and Facebook, Marketplace and all
these places.

Speaker 4 (01:39:14):
Right, and not even just that.

Speaker 12 (01:39:16):
But we you know, we can offer financing, we can
take trades, we can do things that you know normally
that's right already.

Speaker 5 (01:39:22):
Can't do so exactly, and then you take a portion
of what you sell it for, but you come up
with an agreed upon price, right correct, Yes, all right,
We got more coming up on the Troubleshooter Show, and
then we'll talk about gap insurance and whatever the he said,
he has some disagreements with what we were talking about,
so we'll do that.

Speaker 4 (01:39:43):
And I want to tell you about Denver Regen again.

Speaker 5 (01:39:45):
We've heard about Mark and his weight loss journey with
the pennies on the dollar for the for the GLP shots.
But I'll tell you what don't forget. They do stem
cell therapy for painful joints and tendons. That's Denver Regen.

(01:40:07):
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Speaker 4 (01:40:24):
Find out now three all three seven seven one help.

Speaker 5 (01:40:27):
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, your troubleshooter three O
three seven one three talks seven one three A two

(01:40:49):
five five. So we have a number of questions, but
I want to bring I want to uh, I want
to talk about gap enters.

Speaker 4 (01:40:57):
But first I want to ask one thing.

Speaker 22 (01:41:00):
Is it just me?

Speaker 4 (01:41:01):
Or have you noticed? Do you notice that in.

Speaker 5 (01:41:05):
Denver and around the area? Do you Is it amazing
to you how many people drive with their lights off
at night? Have you noticed that anybody? Have you guys
noticed it?

Speaker 4 (01:41:16):
Kevin? Have you noticed it? Bobom?

Speaker 7 (01:41:19):
Yes?

Speaker 12 (01:41:20):
But I think it's because of daytime driving lights. They
think their head lights are on.

Speaker 17 (01:41:24):
What I noticed is a lot of rear lights off,
but you pass them and their front lights are on.

Speaker 4 (01:41:29):
The day The day runners.

Speaker 5 (01:41:30):
That's what he's talking about. The day runners. Yeah, like
you could rear end him and a terrible some of
them are damn near invisible, and it's terrible. It's just terrible. Anyway,
I thought maybe it was because of the the excess
of marijuana we have in this state.

Speaker 4 (01:41:51):
Maybe not. But by the way, speaking of marijuana, I
swear to God, now I'm going to tell you something.

Speaker 5 (01:41:56):
Do you know that was the prevailing smell odor when
walking around New York City? People smoke all the time
on the streets. I mean just regular business people, regular people,
street people, and.

Speaker 4 (01:42:12):
You walk down the street.

Speaker 5 (01:42:13):
I swear to God, it's you feel like you're at
a party where they're lighting up joints. That's how much
the prevailing smell is of marijuana in New York City.

Speaker 4 (01:42:23):
I mean it has to.

Speaker 5 (01:42:25):
In fact, you know how you used to smell tobacco
and stuff and exhaust fumes. No, what you smell is
marijuana in New York City. Walking the streets, you smell marijuana.
You go walking past people and all of a sudden,
a big waif of marijuana smoke or odor. Anyway, let's
talk about gap insurance. So what we talked about originally,

(01:42:49):
because I don't know what there is to disagree on,
a Compass insurance group.

Speaker 4 (01:42:53):
Said, gap insurance is met is meant to fill in.

Speaker 5 (01:42:57):
The gap where the loan does not, where the loan
is more than the car is worth at the time
of a loss.

Speaker 4 (01:43:06):
What they did say, though, is that you can't.

Speaker 5 (01:43:09):
Buy gap insurance to insure against stupidity. In other words,
if you overpaid for a car drastically, or you you
traded a car in with negative equity, gap insurance is
not going to really cover that. And I think Compass
said gap insurance goes to twenty to twenty five percent

(01:43:32):
difference between the loan and the value. So go ahead, Bob,
you said you had some disagreements with what we discussed,
So what exactly are you talking about.

Speaker 12 (01:43:45):
So you know, gap insurance stands for guaranteed accident protection
is to do what you just said, to cover the
difference between if your car is total, what the insurance
pays and what you owe on the car. Right, But
I mean stupidity, he's not written into there. So what
it's really designed is to I mean, it covers that.

(01:44:06):
So I've got a friend who has a company that
sells gap insurance and among other things, and he said,
prior to being called gap insurance, it was called prior indebtedness.
So it's to cover previous debt, and so you know
you roll say over.

Speaker 6 (01:44:20):
Yeah, he's saying negative equity is covered by gap insurance,
at least the one he sells well, and most.

Speaker 4 (01:44:26):
Of them are.

Speaker 12 (01:44:26):
That's what that's the purpose of it. You wouldn't need
it if it didn't cover any negative equity.

Speaker 5 (01:44:31):
Well, I guess, but it still doesn't go beyond twenty
percent or twenty five percent.

Speaker 12 (01:44:37):
So the policy that we have. I brought a sample contract.
It says the amount wave shall not exceed fifty thousand dollars,
So it does. It's not a percentage. And then they
have a under exclusions. They don't cover things like Aston, Martin, Bentley, Bugatti,
Dodge viper Ferrari four GT, the exotic cars because they
could be more than fifty grand upside down driving them

(01:44:59):
off the lot.

Speaker 4 (01:45:00):
So it's a flat amount that you ensure for fifty grand.

Speaker 12 (01:45:04):
No, No, they'll cover up to fifty thousand over. So
the contract. All they'd ask you when you do a
contract is a vehicle purchase price. You know how long
of a loan you did, what the interest rate.

Speaker 6 (01:45:15):
Is, And you're saying it will cover it will cover stupidity. Yes,
if you had to cover any gap up to fifty grand. Correct,
I mean that's what it's there for. So so gap
originally was a lease product.

Speaker 12 (01:45:30):
It came stand and it still does come standard on
a lease contract because a lease.

Speaker 4 (01:45:35):
Used to be well hold on. We got more coming up.
We'll talk about it.

Speaker 5 (01:45:40):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Please time for an insurance check up free, no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three oh three
seven to seven to one help. You'll think you're his

(01:46:01):
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 24 (01:46:14):
Ripped you need so you don't have a.

Speaker 3 (01:46:22):
You'll come run into just as fast as we can.
Show Shooter's gonna help come Man.

Speaker 4 (01:46:30):
Is the Troubleshooter Show now, Tom Martine, Hey, what's going on?

Speaker 5 (01:46:36):
It's Carday today on the Troubleshooter Show. I'm at the
satellite studio MICSA studio. Mark's at the main base of
operation with Kevin Cokin, Sheridan Auto Tech, Bob Perry, and
Rod Greer from JFR Cars. We were talking about cars
and we'll talk about anything you want. Right now, Margie

(01:46:58):
has an issue she wants to talk about out and
go ahead.

Speaker 4 (01:47:03):
Is she still there, Margie? Go ahead? What's going on? Margie?

Speaker 24 (01:47:06):
Oh, hi, thanks for taking my call. Yes, okay, So
I don't In Colorado Springs, there's this huge complex it's
called the Satellite, okay. And part of it our hotel rooms,
and part of it are condos. I think there's three
hundred and some condos. Yeah, it's a huge.

Speaker 28 (01:47:28):
It's it's really old.

Speaker 24 (01:47:30):
It's a huge. It's been there forever. But so I
own one of the condos I rented out, and my
renter has told me that for the last five or
six days they have not had any hot water in
the building at all. So, and there's a lot of
elderly there, families. Well, I called the office and they

(01:47:55):
told me that they need a new pump. And I said, well,
how sooner are they going to get a new pump?
It's been you know, five.

Speaker 4 (01:48:03):
Days whatever, Oh my goodness.

Speaker 24 (01:48:06):
Yeah, And she had no clue. I mean she said, well,
our maintenance men are working on it. I'm like, well,
how are they working on it? If they don't have
the pump.

Speaker 4 (01:48:17):
They probably can't get the part.

Speaker 24 (01:48:19):
Well, so what are the residents supposed to do? Because
they have a website and on the website people are
saying that they've been told they won't have hot water
for another two weeks.

Speaker 5 (01:48:33):
Well, okay, obviously it's a warranty of habitability issue and
they're going to have a major problem. But in practicality,
what are you going to do? I mean, that's the
real question is what can you do? I mean it's
not like you can take legal action. Now, you may
want to each individual Kennan might want to assess their

(01:48:56):
own damages. For example, let's say you had to displace
your tenant in a place that has hot water because
she can't exist without hot water. Then you would have
to go after the satellite for damages.

Speaker 6 (01:49:10):
But if it's beyond their control, it's going after herself.

Speaker 5 (01:49:17):
Well it is no, No, you're right she would No. No,
I'm talking about her as a landlord going after the
satellite because she's experiencing a loss.

Speaker 6 (01:49:27):
No, I'm saying if she goes after the satellite and
they got to come up with money. There's probably going
to be a special assessment on the people that own
the units, and she's going to end up paying her.

Speaker 5 (01:49:36):
I see what you're saying. I see what you're saying.
That's possible, Margie. Did they say they didn't have the
money for it, or did they say they're having trouble
finding parts or what was the main issue?

Speaker 24 (01:49:50):
They didn't really say. They just said, you know, we
need a new pump and we're not sure you know
when when that we're going to get that, And and
somebody posted on the website when they called, they were
told that go to go to Walmart and buy some
plastic bags and boil water and put the put the

(01:50:13):
boiling water in plastic bags for a shower.

Speaker 5 (01:50:17):
Now that's ridiculous, ridiculous, But Margie, Margie, I agree with you.
It's ridiculous. But let's just say they're having a problem
getting apart.

Speaker 4 (01:50:29):
What are you gonna?

Speaker 5 (01:50:29):
What?

Speaker 1 (01:50:30):
What? What?

Speaker 4 (01:50:30):
What do you think the answer is?

Speaker 5 (01:50:32):
I mean, you can't make you can't make something happen
because you wanted to.

Speaker 4 (01:50:37):
And I understand you have every right to be upset,
but in the long run, what are you going to
do about it?

Speaker 24 (01:50:45):
Well, that's that's what Yeah, I just need some direction.
I mean, do you think legally, because the h o
as for the condos, for the condo owners are horrendous.
For like a seven hundred square condo, you pay almost
five hundred dollars a month for HOA fees. So I mean,

(01:51:06):
do we have any action we can take where we
could ask for like a discount or something.

Speaker 5 (01:51:13):
Of course you can if part of the HOA fees
is plumbing and heat obviously or whatever.

Speaker 4 (01:51:22):
Is this affecting the heat at all?

Speaker 5 (01:51:27):
Usually usually commercial buildings that have boilers usually have hot
water heat.

Speaker 4 (01:51:34):
Do you know if the heat's affected at all? I mean,
do you have natural gas? How does the heat work?

Speaker 5 (01:51:41):
That?

Speaker 24 (01:51:41):
I don't know. I'd have to because I don't want to.

Speaker 4 (01:51:44):
Do you get to get a bill from a gas
company or no?

Speaker 24 (01:51:48):
No, Actually, the whole complex they pay for the heat.
They provide that, they provide the heat. We don't get
a bill for the heat.

Speaker 4 (01:51:59):
Okay.

Speaker 6 (01:51:59):
I don't think of going out on a limb saying
there's probably heat, because you'd probably hear from your tenant
there's no heat.

Speaker 5 (01:52:06):
Right, Yeah, But Here's what I'm thinking, Margie. You're asking,
is there recourse you can have for not having the
services provided by the haor is? Yes, of course, But remember,
as Mark said, the HOA is you. I mean, you
are an owner and you're part of the HOA.

Speaker 6 (01:52:27):
Can you imagine if she sued them in won and
then they hit her with the special assessment.

Speaker 4 (01:52:32):
To pay her.

Speaker 16 (01:52:33):
Oh no, that's not even funny.

Speaker 4 (01:52:37):
But it's See, this is.

Speaker 5 (01:52:38):
The problem with condos in general. You all share in
the good and the bad. Okay, so it's supposed to
be more inexpensive or inexpensive compared to your own residence
because you are grouping together people. But at the same
time it can be a major problem when it comes

(01:53:01):
to needing something major you can have. You know, they
haven't even talked to you yet about the cost if
they have to put a new boiler in that building?

Speaker 4 (01:53:12):
Now, is this one building?

Speaker 2 (01:53:15):
Yes?

Speaker 4 (01:53:16):
How many units in that one building?

Speaker 24 (01:53:19):
Oh?

Speaker 16 (01:53:20):
Geez, well there's over three hundred, I.

Speaker 4 (01:53:23):
Dude, not in one building right in twelve stories?

Speaker 7 (01:53:27):
That's big.

Speaker 4 (01:53:28):
It's huge.

Speaker 18 (01:53:30):
Yeah.

Speaker 21 (01:53:30):
Man, it's a huge building and it.

Speaker 4 (01:53:32):
Looks pretty old. I have a field and they're having
trouble getting.

Speaker 7 (01:53:35):
The pump Vegas in the seventies, doesn't it?

Speaker 4 (01:53:38):
Yeah, it does it does it looks like Vegas in
the seventies.

Speaker 22 (01:53:41):
Oh man.

Speaker 4 (01:53:43):
So here's the bottom line.

Speaker 5 (01:53:45):
You can make an adjustment for services not provided. But
remember the HOA is part of you. So I don't
know where the money comes from. Deputy Bow has a comment.
Not sure what, but go ahead and Deputy Bow, what
do you have to comment on? Y?

Speaker 2 (01:54:05):
So Margie said told us it's gonna take like four
weeks to get this centrifical pump.

Speaker 4 (01:54:13):
We don't.

Speaker 5 (01:54:14):
I don't know if anyone mentioned centrifical pump or a timeframe,
but go ahead.

Speaker 2 (01:54:20):
If it's a eating pump or the chiller pump, it's
a centrifical pump. And I've dealt with these pumps for
over forty years. If Margie can contact, if I can
get her number, you can send me a few pictures.
I bet I can find them the pump or the
pump parts, probably in a few days, and then can
get their maintenance guy to put it in. Even if

(01:54:42):
the seventies.

Speaker 5 (01:54:44):
Okay, but just just keep in mind Margie may not
have access, you know.

Speaker 14 (01:54:51):
I mean, if she was if they're all dead.

Speaker 5 (01:54:54):
I mean, it's not like Margie can walk in the
mechanical room and take a picture of the centrifical pump.

Speaker 4 (01:54:59):
Nope.

Speaker 6 (01:55:00):
But first of all, she could call that lady back
and say, hey, I know someone that's been in the
business forever and can get the pump.

Speaker 4 (01:55:06):
Is there a part number or something.

Speaker 18 (01:55:09):
Or a picture.

Speaker 5 (01:55:10):
Hey, by the way, bo do you think it's going
to affect their heat as well?

Speaker 2 (01:55:16):
Sure, it's a typical pump for the heating system for
the boiler. You need to pump to circulate.

Speaker 14 (01:55:23):
The hot water into those convectors. So right now this
time year, these pumps are failing. I mean this used
to be my busiest time of the year, so I
believe it is.

Speaker 26 (01:55:34):
And it also affects the cooling.

Speaker 5 (01:55:35):
Too, Yeah, which won't be a big factor right now.
But why do you have access if somebody if they
say it's going to be three or four weeks, why
do you think you can locate it quicker?

Speaker 2 (01:55:50):
Because I'm an expert, I've been No.

Speaker 5 (01:55:52):
No, seriously, though, I on a serious note, why do
you think you can locate it?

Speaker 2 (01:55:57):
Because a lot of these supply houses and town just
don't stock.

Speaker 26 (01:56:01):
Older parts and okay.

Speaker 2 (01:56:03):
People they just call around a few places and they
give up. I'm okay, you used to go all over
the country to find parts. That's what I used to do,
and I'm really good at it. And you can even
repair a lot. The new pumps are not repairable per se,
but the older ones, like from the sixties.

Speaker 26 (01:56:22):
And seventies, you can always get like baring assemblies.

Speaker 2 (01:56:25):
Coupler sleeves, you can get parts for him.

Speaker 5 (01:56:27):
But a lot younger maintenance, no, they don't know what
the hell repairing means.

Speaker 4 (01:56:33):
They just remove and replace.

Speaker 14 (01:56:36):
Right, and the new replacement probably won't fit between the pipes,
but they don't know that the older ones they can
be repaired.

Speaker 4 (01:56:45):
Well, thank you very much. Bo.

Speaker 5 (01:56:47):
If she's listening and wants to put you in touch
with that building manager, you could be a godsend for them.
That's really good. By the way, K and H Home
Solutions of course, windows, siding, doors and more has what
you're looking for. They also have painting pros. They do painting.
K ANDH does painting with their painting pros. Khwindows dot

(01:57:11):
Com go with a sure Thing, Denvers 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. Paint too much your coverage at dozens

(01:57:34):
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hello three O
three seven one three talk seven one three A two

(01:57:56):
five five. We are here to help you anyway we can.
All you have to do is give us a call.
I want to go back to Margie real quick. And
Margie bottom line is we have someone who thinks they
can locate a part for you because he used to
source parts for older systems. Do you have someone that

(01:58:18):
you have at your HOA or building management that you
can get get their number, because then we can feed
it to our person who might be able to help
get this thing resolved.

Speaker 4 (01:58:31):
Quicker, Yes, I can get that number.

Speaker 5 (01:58:37):
Good. I'm going to put you on hold and have
Kelly get your information and then we're going to hook
you up with BO. And BO has been in the
business for forty years and he thinks he can find
older parts and knows where to source them, possibly better

(01:58:58):
than management at your BIL building, which would not be unusual.
There are a lot of people who know how to
fix things, but they.

Speaker 4 (01:59:05):
Don't know how to source parts. So we're gonna put
you go ahead. What were you going to say?

Speaker 22 (01:59:12):
Oh?

Speaker 24 (01:59:13):
I just said that's great.

Speaker 5 (01:59:14):
Yeah, I think I think we might be able to
Let's see what he can do for you guys. Thank you, Margie.

Speaker 4 (01:59:20):
Irene. What's going on with you? Irene?

Speaker 19 (01:59:26):
H a problem?

Speaker 4 (01:59:28):
I'm getting what's going on?

Speaker 16 (01:59:30):
And okay, gutter problems, flooding problems.

Speaker 19 (01:59:36):
And they won't do anything. Keep ignoring.

Speaker 4 (01:59:39):
Now what what Irene? Where is your what is your
what is your complex? Where do you live?

Speaker 19 (01:59:46):
Tower in Aurora? Tower Ridge? Too?

Speaker 6 (01:59:50):
It's Teller you said, it's Teller Ridge, Tower Tower Ridge?

Speaker 4 (01:59:56):
Okay, yeah, yeah, I got it, Tower Ridge? And what now?
Are a lot of homeowners noticing this?

Speaker 19 (02:00:07):
I don't know, because we had an HA meeting and
I tried to bring it up and she didn't want
to listen to me, so I just left. So I
don't know if what are the specific problem?

Speaker 4 (02:00:19):
What are the specific problems you're having.

Speaker 19 (02:00:22):
Flooding on the foundation, the cross space and the gutters.
I mean it's like a waterfall. Every time it rains,
the gutters don't the water doesn't go down the gutters.
It's just down the walls of my house. And I.

Speaker 5 (02:00:41):
Now, when you were at the meeting and you brought
this up, were there any other residents at the meeting.

Speaker 19 (02:00:48):
Yeah, it was a full house that.

Speaker 4 (02:00:51):
Did any of them? Did any of them agree with you?

Speaker 19 (02:00:56):
I left before the meeting started because I went early
so that I could explain to her, and I took
pictures on my phone and I shown them to her
and she didn't want to she didn't want to look
at them.

Speaker 5 (02:01:07):
Well, first of all, Irene, First of all, again I
have to explain this about condos and town homes that
the HOA are a bunch of homeowners like you.

Speaker 4 (02:01:18):
I mean, you're one of them.

Speaker 5 (02:01:19):
So if the HOA isn't doing anything, there's got to
be a reason for it, because they're not personally paying
for it.

Speaker 4 (02:01:27):
They're not a company. They are you.

Speaker 5 (02:01:30):
So maybe they don't have the money to address it
or whatever. I don't know what the thing is, but
do you have to get other homeowners to get up
in arms about this. You have to get other homeowners
to complain about it, because it would be strength in numbers.
But just for the heck of it, Irene, I want
to ask you something. How many how many do you

(02:01:52):
own your place in Tower Ridge?

Speaker 24 (02:01:56):
Yes?

Speaker 4 (02:01:57):
Okay? How many units are in that building?

Speaker 24 (02:02:02):
Oh?

Speaker 19 (02:02:04):
Maybe forty?

Speaker 4 (02:02:07):
Okay? Okay?

Speaker 5 (02:02:09):
What if it was going to take forty or fifty
and I'm just giving you a supposition. What if it
was going to take forty or fifty thousand dollars to
fix it and you all had to chip in, would
you have the.

Speaker 4 (02:02:23):
Money to do that?

Speaker 19 (02:02:29):
I would. I would try and get the money because.

Speaker 4 (02:02:34):
Because it's serious.

Speaker 19 (02:02:35):
Damaging my home.

Speaker 4 (02:02:36):
Yeah, no, I get it. Do you pay a lot
in HOA fees?

Speaker 19 (02:02:42):
It's four or seven a month and it's supposed to
be going up again.

Speaker 5 (02:02:47):
Okay, So really it sounds like you have an HOA
and they're not. I mean, did she totally ignore you
when you tried to bring it up?

Speaker 19 (02:02:59):
Well, I took pictures on my phone and I right
show them to her. And what did she wouldn't even
look at them?

Speaker 4 (02:03:06):
What did she say? Did you? I mean, did she
just walk away? From you. What did she say?

Speaker 19 (02:03:12):
She said, get covers for the gutters, get cutters and
get covers. And she repeated it like three times, and
there was well, wait.

Speaker 5 (02:03:21):
A minute, are these town homes. Are these town homes
where you're separate and you have your own gutters or
is this a condo development?

Speaker 19 (02:03:30):
You know, they're townhomes who they have separate gutters. Okay,
And they replaced the gutters about maybe two years ago,
and that's when the problem started. And that's why.

Speaker 5 (02:03:42):
It gets this gets a little complicated with townhomes. It
depends on what you're responsible for. She said, to get covers.
So she's saying, it's a problem with your gutters. Are
you located? Are you located? I got to get a
picture of what this of what these townhomes look like,

(02:04:05):
because here's the thing, Okay, let me just put it
to you this way. There's a possibility I'm not saying
it is, but there's a possibility that you could be
responsible for your unit.

Speaker 4 (02:04:21):
If it's your.

Speaker 5 (02:04:22):
Unit that has the flooding problem, it could be I'm
not saying it is. Yeah, but do you know where
it is flooding from? You said it happened after they
put the new gutters up right.

Speaker 19 (02:04:40):
I'm trying to remember how long ago it was that
they put the gutters, but it seemed like I didn't
have problems before.

Speaker 18 (02:04:47):
Then, So it had to be.

Speaker 5 (02:04:51):
Do you know where the problems are coming from? Did
you have an expert come out and look at it
to see where? See if you have someone, Irene, you
got to have information. You have to have information that
we can use for evidence and say, look, this is
a townhome problem for the unit, for the whole building,
or it may be just your unit, but we need

(02:05:14):
someone to look at it. You have to call an
expert to look at it to see why it's happening.
You're just guessing it's probably coming from the gutters or not.
You said you had pictures. Can you send him to us.

Speaker 21 (02:05:32):
Again?

Speaker 5 (02:05:33):
Good Kelly, let's start by let's start by getting pictures
and see where we're what we're doing with this. I
want to look at him, so Irene, Irene. I'm telling you,
condo and townhome developments are very, very complicated, because especially
a townhome, because it's a little bit of a condo

(02:05:55):
and a little bit of a house, and sometimes it's
the hoa problem and sometimes it's your problem.

Speaker 4 (02:06:04):
So we got to try to figure out what is
going on.

Speaker 5 (02:06:06):
And I don't know what you took pictures of, but
any pictures you can share with us will help. Andrew,
what is your question on spark plugs? We have Kevin
Colkin with us from Sheridan Auto Tech.

Speaker 4 (02:06:18):
What is your question?

Speaker 13 (02:06:21):
Yeah, I've got a two thousand and eight Actorate TL
where it's my wife's car. Yeah, it's got like seventy
seventy six thousand miles on it, and I was wondering
if that if a plug should be changed out, I
mean with that little miles.

Speaker 7 (02:06:39):
Or well, have they ever been changed.

Speaker 15 (02:06:44):
No, I would tempt to tell you, yeah, you don't
want to probably go more than about eight to ten
years on plugs, irregardless of miles.

Speaker 4 (02:06:53):
I can't believe he went that long.

Speaker 7 (02:06:54):
Seriously, Yeah, that's amazing it did.

Speaker 4 (02:06:57):
How is it running?

Speaker 13 (02:07:00):
Runs great?

Speaker 4 (02:07:03):
But Kevin, Kevin, what is the rule on spark plugs?

Speaker 15 (02:07:07):
Well, it's usually mile age indicator, but you know you
most cars can go upwards to eighty seventy eighty ninety
thousand on plugs.

Speaker 4 (02:07:14):
Oh really that much?

Speaker 7 (02:07:16):
They last quite a while.

Speaker 15 (02:07:17):
Now, the hotter plugs, the urinium, uranium plugs and platinums
and different metals they last longer. So but it's you know,
you don't gain anything by pushing it past that limit.
You can start causing other damages. You can knock out
ignition coils. You can even knock out a PCM a
computer by running worn out plugs in a car.

Speaker 7 (02:07:37):
There's no advantage to keeping them in there, so change
them out.

Speaker 13 (02:07:42):
And how about the wires too, is that?

Speaker 15 (02:07:47):
Well, yeah, most cars don't have ignition wires anymore. They
have coil boots that have little boots on the end
of the coils because each each owner usually has its
own coil.

Speaker 7 (02:07:56):
Now, so depending on real well, yeah, you would change
out the.

Speaker 4 (02:07:59):
Way he said. It's a two thousand and eight, so
that would have a boot.

Speaker 15 (02:08:03):
It's a tweetter. I don't remember that that engine. It's
probably a three point two and it could have it
could go either way.

Speaker 4 (02:08:10):
Okay, all right, okay, uh, sure, no problem.

Speaker 5 (02:08:16):
Give us a call people three oh three seven one
three talk seven one three eight two five five.

Speaker 4 (02:08:27):
Go with a sure thing.

Speaker 5 (02:08:28):
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 to seven to one.

Speaker 4 (02:08:46):
Help.

Speaker 5 (02:08:47):
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, your troubleshooter. Ken's got
an issue with his house. What's going on with you?

Speaker 4 (02:09:06):
Ken? Welcome to the show.

Speaker 21 (02:09:09):
Yes, anyway, at my house at Northdaver and this neighbor
down the way, he has the information on me at
my house, and he got in contact with a lawyer,
and the lawyer, Well.

Speaker 4 (02:09:22):
What do you mean information on your what do you
mean information on your house?

Speaker 21 (02:09:27):
Well, he got he got acquainted me my house and uh,
different things about it. But anyway, I'm saying that we
got the information through me to him to the lawyer.
I understand this guy.

Speaker 4 (02:09:48):
I don't.

Speaker 5 (02:09:49):
I don't really understand. I'm sorry, bro, I don't understand.

Speaker 4 (02:09:53):
Mark. Do you understand what he's saying? I'm a Ken?
Am word? Okay?

Speaker 5 (02:09:58):
Ken, let's go over at one step at a time.
I'm okay, really, so your neighbor. What did your neighbor do?

Speaker 4 (02:10:06):
Well?

Speaker 21 (02:10:07):
I thought he was a good friend of you know,
and right anyway, Uh, he he got the information about
my house, you know?

Speaker 5 (02:10:18):
Now, Okay, hold on, Ken, one step at Ken, one
step at a time. When you say he got the
information about your house? What information?

Speaker 21 (02:10:29):
Well, uh, he tried to write write it up like
you gonna sell it to me before he didn't, you know,
it was just a phony deal. But he got can
make it about my house and everything else?

Speaker 4 (02:10:42):
And I get it.

Speaker 5 (02:10:43):
I get it, Ken, Ken, start from the beginning. Did
this guy come up to you and say, I'm going
to sell you your house? I mean, how did this begin?

Speaker 4 (02:10:56):
Well?

Speaker 21 (02:10:57):
I was going to sell my house and I should
okay to a real estate banning.

Speaker 4 (02:11:01):
Okay, I get it.

Speaker 5 (02:11:03):
So you were going to sell your house and this
so called friend got a bunch of information. Did he
say he was going to buy it or was he
just going to help you sell it?

Speaker 24 (02:11:15):
Uh?

Speaker 21 (02:11:17):
Well, I I saw he was being helpful, all I say.

Speaker 4 (02:11:20):
And okay did he say did he say he was
going to help you sell it?

Speaker 5 (02:11:27):
No? I didn't.

Speaker 4 (02:11:30):
Then why did you? Why did you give him information
about your house?

Speaker 21 (02:11:35):
Well, he did write up some papers your own, and
he acts like he was going to sell me, sell it.

Speaker 4 (02:11:41):
You know, why would he sell you your house?

Speaker 5 (02:11:45):
Now?

Speaker 4 (02:11:45):
I think what he said was he's going to help
him sell it.

Speaker 21 (02:11:49):
He's going to help me and sell it. Yea. I
was going to sell it to him, you know.

Speaker 4 (02:11:55):
But okay, got it? So so Ken, he was going
to your house. Then what happened?

Speaker 21 (02:12:03):
Well, it was good to phony deal. He didn't do it.

Speaker 4 (02:12:06):
Okay, Then what happened?

Speaker 21 (02:12:07):
We can be along and h Then eventually, uh, he
got in contact with a lawyer, and.

Speaker 4 (02:12:15):
For what reason you sold what? The lawyer sold your house?

Speaker 5 (02:12:23):
Oh?

Speaker 4 (02:12:23):
How how can a lawyer do that without your signatures?

Speaker 21 (02:12:29):
Well? I don't know.

Speaker 4 (02:12:31):
But anyway, wait a minute, Wait a minute, Ken, Ken,
wait a minute. Did they sell you at your house?
Are you in your house now or were you forced out?

Speaker 13 (02:12:43):
No?

Speaker 21 (02:12:43):
I had the house was vacant. And uh, anyway, the
lawyer sold the house and took the money.

Speaker 5 (02:12:52):
Okay, we need to look into this, Ken. So this
house wasn't this was an investment house, a rental house.
It was the one you were living in.

Speaker 21 (02:13:02):
Yes, it was one I was living in.

Speaker 28 (02:13:03):
Yes.

Speaker 6 (02:13:04):
Well, Tom, why don't we do this? Let's take this
break on time, Kelly. Get the address of the house
we're talking about. I want to see who owns this house?

Speaker 4 (02:13:14):
Ken? Were you forced to move out of this house?

Speaker 21 (02:13:20):
I had moved out. I was living as uh a girlfriend.
I got it anyway.

Speaker 4 (02:13:26):
Uh and they and they stole the house, and they
stole the house from you.

Speaker 21 (02:13:30):
You might as well say that.

Speaker 4 (02:13:31):
Yeah, Okay, I got to take a break. We got
more coming up.

Speaker 5 (02:13:39):
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. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think his only customer when

(02:14:01):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 4 (02:14:11):
Right, I want to.

Speaker 5 (02:14:12):
Talk to Ken, and I want to recap this Ken,
because I think I know what's going on. Okay, so
Ken moved out of his house in the anticipation of
selling it. So Ken, while you were trying to sell it,
you moved out. A so called friend got a bunch
of information about the house and was supposedly going to

(02:14:33):
buy it, but instead, but instead, somehow an attorney sold
the house and kept the money.

Speaker 4 (02:14:43):
Is that your story?

Speaker 21 (02:14:45):
Yes, that's right. You know when I was sitting in
the house, I low it one time and it was
dark and everything. He came in behind me and asked
me to sign a paper and I didn't see what
it was here, but I signed it.

Speaker 4 (02:15:00):
Why would you, Ken, Ken? And you never got a
dime for the house?

Speaker 16 (02:15:05):
No?

Speaker 4 (02:15:06):
How long were you there?

Speaker 21 (02:15:09):
Oh, let's see, I bought the house and let's see
nineteen ninety and os Eric Chill twenty seventeen, twenty eighteen.

Speaker 4 (02:15:22):
What did they How much did they sell the house for?

Speaker 21 (02:15:27):
I don't know, thank truth, I was getting it dark.
He said, I could do nothing about it.

Speaker 4 (02:15:31):
How do you know? How do you know they sold
the house?

Speaker 21 (02:15:35):
I don't know. That's what he said. He said, this
lawyer sold the house and took the money, and he
said I could do anything about it.

Speaker 17 (02:15:42):
I have the record in front of me. What is
the owner's name now, the last name or first name?

Speaker 4 (02:15:49):
He may not know it. He doesn't know it.

Speaker 21 (02:15:51):
I don't know who it is.

Speaker 4 (02:15:52):
Hey, Ken, what's the name of the attorney?

Speaker 21 (02:15:58):
I don't know that either.

Speaker 4 (02:15:59):
See what's the name of your friend? What's the name
of your friend?

Speaker 21 (02:16:04):
Aaron Rose? Aaron Rose, Aaron an Roz.

Speaker 17 (02:16:13):
Oh, yeah, well, it looks like he bought it in
twenty sixteen, and Aaron Rose purchased Wait and when did this?

Speaker 4 (02:16:23):
When did this happen?

Speaker 21 (02:16:25):
Ken, I'm just a few years ago. I can't exactly
go win.

Speaker 17 (02:16:30):
Oh, I'm showing an Aaron Rose sale price and a
sale date of October twenty sixteen. Tom, but that's not
the same as the current owner on the property records.

Speaker 4 (02:16:43):
No, but Aaron Rose bought the house in twenty sixteen
and then sold it. Ken, were you living? Were you
When did you move out of the house?

Speaker 1 (02:16:53):
Oh?

Speaker 21 (02:16:54):
Gosh, let's see, I say twenty fifteen.

Speaker 4 (02:16:57):
So I'm like, yes, well that's the last time.

Speaker 5 (02:17:00):
That's exactly what happened. Ken, Why my God in heaven
you waited so long you moved out in twenty fifteen,
Aaron Rose stole your house? According to you in twenty sixteen,
and then he resold it and you got robbed.

Speaker 21 (02:17:20):
I don't I know. He was dumble me too, they
were I mean doing that guy?

Speaker 4 (02:17:25):
Why did you sign?

Speaker 5 (02:17:26):
Why did you sign a piece of paper someone put
in front of you?

Speaker 21 (02:17:31):
I know that was dumb too. I should never done it.
I didn't. I didn't see what you had that home for.

Speaker 5 (02:17:38):
You had that home for almost fifty years and just
walked away from it.

Speaker 21 (02:17:44):
That's the way it looks like.

Speaker 4 (02:17:46):
It looks like it looks like he quit claimed it too,
like in two thousand and two. Oh, Ken, Ken, how
long did you know this Aaron Rose guy?

Speaker 21 (02:18:00):
Let's see, Uh, let's see that was in Uh when
I first went over there to sell the house. I
had to have empty, you know.

Speaker 4 (02:18:13):
And how did you meet Aaron Rose? How did you
meet this guy?

Speaker 13 (02:18:18):
Neighbor?

Speaker 21 (02:18:18):
He lives if you have it over, he was a
neighbor and he was a neighbor to woman in the
back of me. Hey, who's willing brand sat or something?

Speaker 4 (02:18:30):
Mark?

Speaker 17 (02:18:31):
That's Wiley?

Speaker 4 (02:18:32):
Who's Wiley?

Speaker 21 (02:18:34):
That's me?

Speaker 16 (02:18:36):
Yeah?

Speaker 4 (02:18:37):
That's oh Ken, We need to look into this.

Speaker 17 (02:18:41):
This all looks ten years old, Tom, Like, listen, there
has been ten years ago.

Speaker 4 (02:18:47):
Probably there's probably nothing we can do about it.

Speaker 17 (02:18:50):
If I'm reading this right, mister Rose sold it to
the current owner back in twenty sixteen.

Speaker 4 (02:18:57):
And this by incidence. I want you to listen to this, Tom,
I really need your house. Listen to this one. I
own my house free and clear paid off.

Speaker 5 (02:19:10):
Ten years ago, I got a notice from the county
saying I own some property taxes, No, that property taxes
were delinquent. When he went down to pay the property taxes,
they said, you don't even own that house. And he
said there was a new deed recorded that showed that
he sold it for ten dollars to somebody, and this

(02:19:33):
LLC bought it and evicted him, and and when he
called the police, they said it was a civil matter. Mark,
I'm telling you this kind of stuff people are being
taken advantage of. Anyway. We're we're simply out of time.
I want to bring him back on the show Monday.
I want to see what the heck's going on with this.
By the way, Kevin Calkins Shardanauto tech dot Com three

(02:19:56):
oh three, four five, five, seventy two, forty two and
jeffarcar Rod Greer and Bob Perry at three zero three
five two zero sixty eight thirty nine