The Troubleshooter 12-11-25

Episode Transcript

Speaker 1 (00:00):
Ye'll ripped up? You need advice?

Speaker 2 (00:09):
Who you don't have?

Speaker 3 (00:12):
Come running just as as can.

Speaker 2 (00:16):
Shooter's gonna help him.

Speaker 4 (00:17):
Come Man Dix is the Troubleshooter Show.

Speaker 5 (00:22):
Now Tom Martino, Hello, Tom Martino here, Welcome to the show.
This hour brand The real Estateman dot Com. Frank will
do an ANALYSI of your home, an analysis to let
you know what it will sell for. It's a weird economy.
Will it sell right away? What will it sell for?
What will you net? He can do these calculations based

(00:42):
on his vast experience, and there's no obligation to list.
But if you're just curious and you're wondering what will
us hell' sell for? Now, there's no gimmicks or no
tricks well left Frank does. He's just an out and
out great real estate broker and we'll give you this
information free of charge. Three oh three nine two zero
broh sixteen twenty two. Frank Duran, The real Estateman dot Com.

(01:06):
Welcome one and all, Hello YouTube morons. Mark Major's off today.
We have U do we have anyone Katchina in the studio.

Speaker 6 (01:14):
We have a Deputy Bow and we have Deputy Doc
do good that's good.

Speaker 5 (01:20):
That means we'll that means we'll get some stuff done.
I want to go to Shila and then people, I
got a lot of reaction from the call yesterday that
follow up with a body cameo. Revisit that and anything
on your mind, give us a call. You know.

Speaker 7 (01:35):
It all starts with a phone call.

Speaker 5 (01:37):
And then what we do is put someone on it
to see if we can help you. And you can
call when we're on the air right now, when you
hear us, if you're listening live on the air or streaming,
you can call three oh three seven one three talk
seven one three eight two five five. But better yet,
the number that works twenty four to seven is three
oh three Martino, three oh three six two seven eight

(02:00):
four six six.

Speaker 7 (02:02):
Shilla is on the line right now.

Speaker 5 (02:03):
But don't let you know, don't let consumer problems fester.
They get worse. And what you want to do is
really at the first sign of trouble, get advice. And
we love giving advice and preventing problems, as opposed to
when the problems already happened, and then we have to
go try to unwind things or or recover money. It's

(02:25):
always harder the longer you wait, So call three oh
three six two seven eight four six six. You'll get
right through. And if we're never if we're not here
at the time you call, the great news is we
will get back to you. We will call you back,
and uh, you never have to wait on hold, Okay,
three oh three Martino three oh three six, two seven,

(02:45):
eight four sixty six. I also tried, and I'll get
to Shila on the phone right here in a second. Here.
I also put up a website called three oh three
Martino dot com. Now three oh three Martino dot com
is uh is really just a contact page for the show.
But I'm starting to highlight a few calls up there,
and that's where you can see some highlights on the

(03:08):
show blog of the calls. I put my actual caller
notes up there. Shila, let's start out things with you.
What's happening with you? Shila?

Speaker 8 (03:21):
Hi, Tom, thank you for taking me call.

Speaker 7 (03:23):
What's happening Hi, Bob.

Speaker 8 (03:25):
My father, a friend of yours is he has a
condo that the pennant above him. Basically, his dishwasher broke
had been leaking for months, but then finally the water
pumps busted lid to his had been healing.

Speaker 5 (03:39):
This was the dishwasher above right, correct?

Speaker 9 (03:43):
Okay, So we contacted.

Speaker 8 (03:45):
The homeowner and he said that he had told his
landlord because all the condos are individually owned. The one
above my father, he rented it from the landlord.

Speaker 5 (03:55):
Obviously, So wait, so hold on, So you're is your father?

Speaker 7 (03:59):
Your father is renting this condo.

Speaker 8 (04:02):
No, he owns it, He owned his, but the pennant
above him rents it from.

Speaker 5 (04:06):
Okay, So your father has a condo. The dishwasher in
the unit above broke and leaked into his condo. And
then here's what I want to know though, Did it
leak into anyone else's condo or was it just his?

Speaker 8 (04:25):
His?

Speaker 1 (04:25):
His?

Speaker 5 (04:26):
Okay, And here's what usually happens. Your dad's homeowner's policy
takes care of it and goes after the guy upstairs
or the guy upstairs if he has renter insurance. His
renter's insurance would pay for that if he was responsible
for it, but if not, then it would be the

(04:47):
landlord's policy. So there are a number of different areas
to explore here.

Speaker 7 (04:53):
What has your father done so far?

Speaker 8 (04:56):
So we filed an insurance claim right away. They also
filed an insurance claim.

Speaker 5 (05:01):
So your father, your father, he did a claim with
his own insurance and are they going to take care
of it? What did they tell him?

Speaker 8 (05:12):
So we started water mitigation. See what this is where
we kind of hit an issue?

Speaker 5 (05:17):
Is that?

Speaker 8 (05:18):
So they've cleaned the mold. Yeah, we're all the damages
parked down, cleaned the mold and then do the test
the air tests at the end. Tomate.

Speaker 5 (05:26):
Now, your father, like you said, I knew your father
from days pass and in the day as they call it,
so I'll just referred to him as Ken and so
so ken Ken had his people come out and fix
it on his insurance dollar. Who did he have come out,
by the way, not that it matters, but I just
want to make sure he's being taken care of. Who

(05:46):
did he have come out to mitigate this and to
take care of it, Rainbow International?

Speaker 8 (05:51):
And they've been excellent.

Speaker 5 (05:53):
Okay, good.

Speaker 8 (05:54):
We cleaned it once, but they came back and cleaned
it three times trying to get the mold spores out of.

Speaker 5 (06:00):
Okay, So what's the what's the problem right now?

Speaker 8 (06:04):
If a landlord above is refusing to do anything.

Speaker 5 (06:09):
So they have can't well what do you mean they
can't like the landlord, the owner of the condo above
is saying, saying, what leave us alone.

Speaker 7 (06:21):
We're not going to handle it.

Speaker 8 (06:23):
Yeah, mold is a mist it's a scam.

Speaker 5 (06:26):
It's not real.

Speaker 10 (06:27):
There.

Speaker 8 (06:27):
Well he tested it himself and there's nothing.

Speaker 5 (06:30):
There, and okay repair. Part part of that's true and
part of it's not. Mold is a problem. Sometimes very
few mold spores are toxic. They're more they're more psychologically
damaging than anything. But I'm not saying that there mold
cannot Mold is never a problem. I'm saying it's rarely

(06:52):
a health problem. It can be a problem, though slightly
unsightly and all that. But what I want to know
is this, how how long ago did this happen?

Speaker 8 (07:03):
It happened right before Thanksgiving the fifteenth, Well, we found
it the fifteenth of November, because so this it happened
before in June, his toilet overflowed.

Speaker 11 (07:13):
Into my dad's apartment.

Speaker 8 (07:14):
That caused way more damage. Took four months, so I
ended up having to move my dad out into an
independent living place and they so we've been getting it repaired.
I finally got it repaired from the first incident and
put it on the market, and then we went to
because we went every week to you know, get the mail,
blah blah blah, she furnace whatever, filters blah blah blah.

(07:37):
And that's when we noticed the damage.

Speaker 5 (07:40):
So what tell me what stage you're in right now?
Is the condo affixed? I mean, what did? What did
his contractors do? They mitigated the damage, They stopped and
they took out. Okay, so where does this stand right now?
What exactly do you want the owner upstairs to.

Speaker 8 (07:58):
Do so we can't get our unit cleared a mold first,
to get a clear testing so that we can lift
it on the market again and tell them to move
the mold out of the sub floor.

Speaker 5 (08:12):
And you're saying so you're saying, it's that the mold
upstairs is their problem, but it's leaking into your apartment. Correct.
Did you do a mold spore test of the air
in your dad's condo?

Speaker 8 (08:27):
Three times? They did it, They cleaned, did a test,
it was bad, cleaned again, did a test still bad, clean,
did it again, and said we can't do anything until they.

Speaker 11 (08:36):
Fixed what they're doing up.

Speaker 10 (08:37):
What they got upstairs.

Speaker 5 (08:38):
Okay, So okay, so here's where it stands. The people upstairs,
you're saying now are the source of the mold, and
the owner upstairs says, we're not.

Speaker 7 (08:49):
What what did they do?

Speaker 5 (08:50):
They did they fix anything that they pay for anything
up there? I mean, have you been up there? What
exactly happened in their unit? Was most of the damage
in your dad.

Speaker 8 (09:00):
It it was his kitchen floor that flooded.

Speaker 5 (09:05):
Flood And then you mean the guy upstairs kids, the
guy upstairs kitchen floor flooded. So this mold. We just
have to figure out whose responsibility is this mold? I
mean who you say it's in the sub floor, So
it's in your dad's ceiling, right, because.

Speaker 8 (09:23):
So they cleaned the joysts in the bottom of the
sub floor, right, they treated that right, But the mold
is coming through the sub floor. We still can't get
that cleared reading, And so I can't put my If
I put a ceiling back up, right, I put the
drywall back up, I feel in it, and I put
it back on the market. So I might get a

(09:44):
clean reading now, but in two months I won't.

Speaker 10 (09:47):
The mold will be back.

Speaker 5 (09:49):
Because well, the mold i'd like to get. I'd like
to get Mark Schumansky on from Genesis to comment on this,
because I believe if you have access through your ceiling
to the floor above, I believe it can be sealed
from your unit. But I want to get an expert
opinion on this, and then liability wise, it's definitely the

(10:13):
unit upstairs responsibility. But your dad could do it and
his insurance company could subrogate.

Speaker 7 (10:20):
But do you know what kind of mold it is?

Speaker 5 (10:22):
We hold on, let me come back to that, because again,
mold in and of itself may not be the toxic variety.
That doesn't mean you want the spores in your air.
But this is a strange one. We have to figure
this one out, and I want to try to get
Mark on from Genesis Total Experience Exteriors. That'll help us
a lot. In fact, he's coming up for a commercial.

(10:45):
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(11:08):
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(11:32):
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Speaker 7 (11:42):
Help.

Speaker 5 (11:43):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino here, Welcome to the show.
Three oh three seven one three talks seven one three
two five five. I want to talk to Mark Smansky

(12:03):
again from Genesis Total Exteriors. One of the things they
do they do mold detection and remediation, and so this
comes up a lot, I mean it really does. This
is a weird one, though, Mark. She's in her dad
Ken is in a condo and the unit upstairs had
a leak of the dishwasher and he got somebody in

(12:28):
to clean up his apartment or his condo as far
as mitigating down there, But they say that there's not
much they can do to get rid of the mold
spores unless the people upstairs address it on their floor.

Speaker 7 (12:44):
And here's what I want to know.

Speaker 5 (12:46):
I know that if I'm in a condo and I
have a ceiling, when I open up that ceiling, don't
I have all the access I need to get rid
of mold spores even if it began on their floor.

Speaker 10 (13:02):
Well, there's a good chance, yes you could. I mean,
I'm not sure what kind of flooring of it's a
wood floor, you know, because the mold needs something to
live on it. If it's ceramic tile, it doesn't really
live on ceramic tile, but it can live on the
wood that's between the ceramic tile and there. And they're
you know, they're ceiling right right and so and so

(13:22):
it could be there. But uh, you know, you need
three things. You need food, water and warmth for mold
to live and air, you know.

Speaker 5 (13:31):
Uh and okay, so so is water the food? What
is the food? Is food?

Speaker 7 (13:36):
The water is that basically the fuel?

Speaker 10 (13:40):
No, the food is like dry wall, you know, organic
materials you know, well, okay, anything like that. That that's
that that they need something to you to live on,
and the moisture just allows them. They need moisture to
live too. And then they need air and warm air
works better than cold there okay, so but so they
need you need all three of those.

Speaker 9 (14:00):
But if you've eliminated the leak, the mold.

Speaker 10 (14:02):
Shouldn't be grow anymore, but you could still have the
old spores in there, and as people are moving around,
if there's a little, you know, a little bit of
an air gap somehow, that the mold could be moving
from that that cavity and the floor joist into the room.
And you know, the easiest, the least expensive way to
do it would be cut out the drywall and then
treat all the joists in everything.

Speaker 5 (14:24):
So in other words, they would cut out they would
cut out their ceiling below the mold or below the floor,
and then they would treat everything they can up to
that floor. And it seems to me like and another thing,
we don't really know what the mold situation was beforehand,
And Shila, what I'm saying is it could be that

(14:46):
there was always mold in there of some kind.

Speaker 7 (14:49):
What I need to know.

Speaker 5 (14:50):
About is how bad are the are the spore counts?

Speaker 7 (14:54):
I mean, how bad is it?

Speaker 5 (14:55):
Did they tell you how bad it is, Shilah, They.

Speaker 8 (14:59):
Sent me a report like and it's just a screenshot.
I don't really know what I'm looking.

Speaker 5 (15:05):
At right rights or as well, maybe we can maybe
have Mark. We might be able to have Mark look
at it from Genesis just to eyeballing, did they say
what kind of mold it is?

Speaker 8 (15:19):
So penicillin as forgillous and apponuncum.

Speaker 5 (15:27):
And did they say it was toxic?

Speaker 8 (15:31):
They just said they couldn't get the clean air certification,
which is what I need in order to be able
to put it back on the market.

Speaker 5 (15:40):
Mark, have you ever heard of a clean air certification?
You know?

Speaker 10 (15:45):
I mean it's it's basically saying that you know, you
wish your goal is to have lower lower mold counts
that in your test your test location, your control location,
which is typically outside the building, and so you want,
you know, you want to get lower counts there there
than inside the building, because then it means okay, you
are contaminated. Hey, I'd love to see the reporter if

(16:07):
seeking forward to I mean, I can look at the
difference you know the controls and what the comparisons are
are on.

Speaker 5 (16:13):
That, Sheila. You know, if you can get us that,
we can at least start there. And if it turns
out that there are a lot of mold spores and
they're unacceptable, the thing Mark was hinting at is if
they took care of the water and if you see
what you can, the spore count will go down automatically,

(16:35):
because eventually they're going to die and nothing will keep
them alive. You know, mold doesn't just exist forever. So
but but you can't wait for that. You want it
eradicated so you can sell the dang place.

Speaker 8 (16:49):
Right, correct? Yeah?

Speaker 5 (16:52):
And I'm not sure and I'm not sure what you
do to force someone to deal with it. Yeah, go ahead, Bob.

Speaker 12 (17:01):
Do you think Sheila should be should contact the h
O way since this is kind of a between the
floor issue so that they can get my life Mark?

Speaker 7 (17:11):
Have you ever been involved?

Speaker 5 (17:12):
Mark? Have you ever been involved in a condo situation
with mold? By the way, have you ever done that?

Speaker 7 (17:20):
In us?

Speaker 10 (17:20):
Pretty while now that we weren't certified this time, but
Peter Boyles his daughter was affected extremely negatively by a
situation like that, where the roof kept leaking, and the
people said, oh, it's no big deal, and you know,
I know it was a big deal for Peter's daughter, Okay.
And so finally they fixed the roof and it finally
got clean.

Speaker 5 (17:41):
Okay. So it may be, Sheila, that you have to
force them to look at it upstairs. I did you
say you contacted the HOA yeah, And.

Speaker 8 (17:52):
They're basically saying it's between me and the and the
landlord above me to figure it out. And I would
have to take them the course in order to get
them to do it.

Speaker 12 (18:00):
But it sounds like it's in a common area between
the floors.

Speaker 5 (18:03):
Well, I don't know if that's considered a common area
because they somebody owns the floor and then they own.

Speaker 7 (18:11):
It's a weird one.

Speaker 5 (18:12):
But no matter what, if it started upstairs, what Sheila
is saying is there people can't mitigate it. See, let
me ask Mark, just straight up, Mark, Let's just say
the dishwasher leaked onto the floor upstairs. They I don't
know what they did upstairs. Do you know what they did, Sheila?
Other than dry it out? Did they do any repair?

(18:33):
They repaired the leak? What else did they do?

Speaker 8 (18:35):
Do you know, they unplugged a dishwasher.

Speaker 5 (18:40):
Okay, so they're not using the dishwasher anymore. And so
so here's what I'm asking Mark. If you had a
situation like that, Mark, where you look up and you
see and you see an open cavity between you and
the unit above, could you seal that off? In other words,
maybe it's it's within their power to seal it off,

(19:04):
and then later on they can try to go after
the owner upstairs. But could you seal it off without
access or without them doing anything.

Speaker 10 (19:14):
I mean, the only the only thing you can do
is put a coating on the drywall and such. You know, again,
it's it's hard to you know, air really doesn't usually
go through the drywall usually keeps all that air in
the cavity above. It stays there. So this is a
really interesting one. There has to be a reason they're
still getting hivespore accounsel.

Speaker 5 (19:32):
Well, they didn't close it up, they didn't, Sheila, You
guys haven't done the ceiling.

Speaker 7 (19:38):
The ceiling still open.

Speaker 8 (19:40):
Right, correct? Yeah, And then you said that if we
did put the ceiling back up, then it may it
maybe it may give a clear reading after that, But
they weren't. They couldn't guarantee that.

Speaker 10 (19:54):
I would think you get a clear reading after that.
You know you're gonna have to, you know, obviously, do
it right and scrub the air, make sure everything that
is encapsulated that you can see and do.

Speaker 5 (20:03):
Sheila, if I were you, one thing I would do
is I would have I would call Genesis literally, call
them and have him come out and do a check
on eyeball it. And maybe what you do is hire
them to seal it up and to put the ceiling
back up, because really, I think you have enough access

(20:23):
to seal it off from your place. You don't care
what happens above the seal. But if you seal it off,
I think you're going to have enough to go with.
Or He'll be honest with you, he'll say, no, this
is too far going. But if you have access to
your ceiling and you can seal it off, then you
seal it off, put up the drywall, do the tests
again again. This mold thing, this mold thing. You can

(20:48):
go after them for it, I guess, but it's going
to cost you, probably more than fixing it. But here's
Genesis number and by the way, Mark, thank you very much.
And he does real lists sick mold mitigation and detection.

Speaker 7 (21:02):
He's not in the scare business. Three oh three six.

Speaker 5 (21:06):
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seven nine eight five zero nine. I'm Tom Martino and
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(21:29):
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(21:55):
with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay until you're content, wait 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 all three, seven, seven to one help.
You'll think you're his only customer when you choose Frank

(22:18):
Durand the real estate man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino here three O three
seven one three talk seven one three A two five five.

Speaker 7 (22:34):
All right, So we have people working on that one.

Speaker 5 (22:40):
We're gonna figure it out through Genesis about mold. But Uh,
I was so Deputy D has the same dang problem,
the almost identical almost identical D.

Speaker 13 (22:50):
Yeah, Tom, I was listening, you know, I arrived a
little bit late today and I was listening to our
caller on the way over, and she described my current
situation exactly. Live in a multi unit condo building. The
unit upstairs looked for a very long time, nobody knows
for how long. Yeah, And uh, Mark and Mark and

(23:10):
Matt Mark Schamansky and Matt from Paragon Insurance Services, whose
services I engage to represent me against the American Family
came over and what we discovered is there is a
mold inside inside the wall that's already been opened up
by a plumber who was.

Speaker 5 (23:28):
Looking for it.

Speaker 7 (23:28):
Was coming from a neighboring unit.

Speaker 13 (23:30):
Yeah, from upstairs unit. And we don't know how far
up that mold goes.

Speaker 7 (23:35):
That's the problem.

Speaker 5 (23:35):
That's where things get crazy when you're living in condos
and town homes. Well not because if you don't stop
the source, there's no You got to stop the source, yeah,
and then stop the air. Stop the source, stop.

Speaker 7 (23:49):
The air, and then seal clean and then seal.

Speaker 13 (23:52):
Yeah, that's the plan. You know. One of the challenges
is that I finding out that American Family Insurance only
offered me and insured me for five thousand dollars for
mold mitigation. A lot of that doesn't sound like it's
going to a lot of.

Speaker 5 (24:04):
Insurance companies are putting limits on mold because people were
fricking and expecting to have their houses rebuilt for it.
I mean, mold has been a big thing for years,
but people are getting crazy about it. They are, and
insurance companies are saying, listen, we're limiting mold coverage from
now on. A lot of them are doing that. Andy,
let me get to you so you don't have to

(24:25):
wait here. You have a question on buying a building,
Is that right, Andy?

Speaker 14 (24:31):
Yeah, I guess.

Speaker 9 (24:32):
It's some advice.

Speaker 15 (24:33):
I'm trying to find a good steel building company and
or a post frame building company.

Speaker 5 (24:42):
Well, dang, you must say, if you listen to my show.
If you listen to my show, we talk about great
Western buildings all the time. One thing I don't one
thing I don't like about the building industry. And I
don't know if you've tried doing this, Andy, but I'll
bet if you start calling.

Speaker 7 (24:57):
Around, you're gonna get this.

Speaker 5 (24:59):
Someone's going to to say, we're from the factory and
we had a building ordered and the guy canceled it,
and it's sitting here on the ground, and you can
get it for a huge discount. That's one of the commons.
They tell you that there was a building ordered, canceled,
and now you get a great deal, and then what

(25:19):
it turns out to be is a terrible deal because
the building doesn't include windows or doors or eves or anything.

Speaker 7 (25:25):
It's just a square metal box.

Speaker 5 (25:27):
And then they start upselling you on all the other stuff,
and by the time you get done, you're spending a
crapload of money and you're not dealing with the factory.
They lied to you about being part of a factory.
In fact, most steel building salespeople are liars. Most of
them are. There aren't that many factories. We do have

(25:47):
one though, in Colorado, and they do and they offer
their services their buildings in all fifty states, and it's
called Great Western Buildings.

Speaker 7 (25:58):
Have you checked them out?

Speaker 15 (26:02):
No, I haven't checked them out yet, And yeah, no,
I appreciate that.

Speaker 14 (26:06):
That's kind.

Speaker 5 (26:07):
Did you get the story when you started calling? Did
you get the story that they're from the factory? Did
everyone represent themselves as being from the factory?

Speaker 15 (26:17):
Yeah, not all of them, but some of them definitely.
And uh and I find they all, you know, I've
gotten a lot of price points for some and then
you know, you know, they all advertise that it's this
price and then you call them up and it's actually
double that or triple.

Speaker 5 (26:32):
That, right, right, because it doesn't it Here's here's their
famous thing, no windows or doors or eves. So they say, well,
do you want an overhang? And do you want doors
and windows? And then they start adding all that stuff
in there, and then they say what about this? What
about that? It's just they're just called bait and switch people,

(26:52):
that's what. And and did you get any of them
telling you that they had a cancelation, Because what they
do is once you tell them what you want, they
tell you they have a cancelation that fits that bill.
Did you ever get that.

Speaker 14 (27:06):
Come on, I.

Speaker 15 (27:09):
Haven't had that exactly yet, but yeah, I mean they
haven't seen the most.

Speaker 7 (27:18):
No, it is. It's a terrible industry.

Speaker 5 (27:21):
Hey, listen, they're worse than the old used car industry.

Speaker 7 (27:23):
They are.

Speaker 5 (27:24):
They're terrible. So Andy, I'm I'm I. I really want
to make this simple for you. Seriously, if you go
to great Western Buildings dot com. These people are for real,
they're good people. And the factory is right in Grand Junction, Colorado.
They have a factory. They're a real factory. And Mark

(27:45):
has one of their buildings. He loves it. He absolutely
loves it. So that's what I would.

Speaker 15 (27:52):
Yeah, that's why check him out.

Speaker 5 (27:54):
Yeah, okay, So here's the number three oh three, four
nine five fifty seven oh one and it great Western
Buildings dot Com. Okay, people, any problem, any complain? Wait, David,
you have a comment. I'll take that before the break.
What's going on, David? What's your comment?

Speaker 16 (28:09):
I just wanted to mention how refreshing it is when
Mark is not on the air.

Speaker 5 (28:15):
Well, don't say that. Come on, come on, I don't
know where I'm not going to distion when he's not
here to well, listen, you know what I've heard the
same thing said, thank you David for going good. But
but I've heard the same thing said about me when
I'm not on the air. They say, you know, don't
bring the show down, Tom No, seriously, do you know what?

(28:37):
There's different strokes for different folks. But here's the bottom line.
Mark as an edge to the show that I don't,
he absolutely does. And what else can I tell you?
In fact, I think in my older age, the ying
yang that Mark and I have is a secret sauce.
But thank you, though, there's what did you want to

(28:59):
say to me?

Speaker 1 (29:00):
Tim?

Speaker 13 (29:00):
I recognize David's voice. I think it's the third time
I've heard him.

Speaker 12 (29:03):
To call it.

Speaker 5 (29:05):
Okay, David, I'm not saying that that your your opinion
is not valid, but there are as many people that
will call and stays and say that about me. I
mean there are and uh listen, Larry, hang on about
water heaters. I want to give you time to ask
your question. We have lines open. A couple lines open
at three O three seven to one three talk seven
one three eight two five five Go with a sure

(29:32):
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. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven to seven
to one help. You'll think you're his only customer when

(29:53):
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three
nine two Grell sixteen twenty two. Hi Tom Martina here
by the way, fixed at twenty four to seven in
the house, and you have a question on water heaters.
They do water heaters, and in fact, they did a

(30:16):
water heater for me right here in this house. Larry,
what's going on with you? What's happening?

Speaker 16 (30:20):
Hey, Tom, I've got a hot water heater that's ten
eleven years old. He needs to be replaced. Starting the
league looking for suggestions between tankless and tanked.

Speaker 5 (30:31):
Ooh, Tom, I mean I've got some thought the tankless. Yeah,
and how do you like that?

Speaker 7 (30:37):
You guys did that for me color.

Speaker 1 (30:38):
What's your name?

Speaker 7 (30:40):
His name is Larry?

Speaker 9 (30:42):
Larry.

Speaker 17 (30:43):
I guess we're seeing so many more folks, especially here locally,
going for tankless.

Speaker 7 (30:48):
Tom, what was your experience, like.

Speaker 5 (30:49):
Well, here's what I want to tell you about tankless.
You've got the tankless. You got to get the right
size for the house. Where people do. The mistake is
if you undersize it. Here, here's what we used to
say about tankless. With tankless, you can take one shower
for six hours, but you can't take two showers for

(31:10):
two minutes. I mean, in other words, you need one
that can serve multiple bathrooms. It depends on your use.
But for the house, you don't want to undersize it.
So you need it because it's constant flow. The water
is heated as you use it, and if you use
too much of it, then the constant flow can can

(31:30):
cut down the efficiency. So here, if I have experience
of two, I have first and fix it. Actually did
both of them, but I will say this, shop around
and see what you and talk to people who have
both the advantage of the constant flow. The advantage is
continuous hot water and you're not heating a tank all

(31:52):
the time, but you do wait for hot water a
little longer than you would with a tank. And the
benefit of these high recovery tanks is they're damn near
as good as constant flow. If you got a high
recovery water tank.

Speaker 7 (32:08):
What that means is while you're.

Speaker 5 (32:10):
Using it, it's recovering quickly. So you can get, for example,
a fifty gallon tank that would be as if you
had a two hundred gallon tank, because it replenishes almost
not quite, but almost as quickly as you use it.
But I would say either one of those you won't
go wrong. How many bedrooms do you have? How many bathrooms?

Speaker 1 (32:33):
Uh?

Speaker 16 (32:35):
It's three three bathrooms, five bedrooms.

Speaker 5 (32:39):
Three bathrooms. Okay, as long as you get the right size,
and you don't mind waiting a tick for hot water
because you do wait for it because it doesn't it's
not sitting there, So it's gonna it's gonna take a while.
It's gonna take a little while to get the hot
water to you, just a little longer than a tank.
But I can tell you experience from both, okay, and

(33:00):
I really don't.

Speaker 7 (33:01):
Notice a big difference. I just don't.

Speaker 17 (33:03):
Larry, I've got a question, what what are you looking for?
What are your priorities? Why are you considering the tankless?

Speaker 5 (33:11):
You know?

Speaker 16 (33:11):
The reason why I did for exactly what Tom said
is I don't want that water citty near being heated
as we're waiting to use it because we do travel
a bit and sometimes we're gone, you know, five six, seven.

Speaker 7 (33:26):
Days, so we'll get your contact into it.

Speaker 17 (33:29):
Sounds like efficiency is your number one reason, so tankless
that makes sense.

Speaker 5 (33:32):
We're at your contact.

Speaker 17 (33:33):
Into Larry, We're gonna call you and we'll come out
and sit on our top text for you.

Speaker 5 (33:37):
So I'm going, yeah, but you know what, Larry, let
them do an analysis and you can see and do
the math. Well, if you have any other questions, hang on.
We have more coming up on the Troubleshooter Show. Go
with a sure Thing Denvers Best Roofer, Excel Roofing dot com.

Speaker 18 (33:52):
You don't pay a cent until your content.

Speaker 5 (33:57):
Time for an insurance check up free no oblig Asian
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.

Speaker 1 (34:23):
Ripped News need advice? Who you don't have.

Speaker 3 (34:31):
Come run incious says as a can.

Speaker 2 (34:34):
Shooter's gonna help come Max is the Troubleshooter Show.

Speaker 5 (34:40):
No Tom Martino, Hey, Tom Martino here, Welcome to the show.
Three oh three seven one three talk three oh three
seven one three eight two five five What is on
your mind? Give us a call three oh three Martino
by the way, will work twenty four to seven if
you need help, information or referrals.

Speaker 7 (34:59):
As we I've been doing for forty.

Speaker 5 (35:01):
Five years on the radio, Major Mark Major is off. Today.
We have the deputies in the house. We have Deputy
Bow and Deputy Doc at the main flagship station KHW,
and we have a Deputy d here with me, and
then I have Hannah Davis from fix It twenty four
to seven, and they want to tell you about their
special special And I've said this before. I don't say

(35:23):
it's like a refurbishment of your furnace anymore. It is
a refurbishment. When I looked up the definition of refurbishment,
that's exactly what it is.

Speaker 7 (35:35):
Listen. I don't even know how.

Speaker 5 (35:37):
To compare it to what other companies do, because other
companies don't actually do it. The clean and check other
companies do. There's nothing wrong with it because fix It
does it for the same reason. They want to get
in your home and show you they're good people. But
fix It actually does the cleaning. They actually do it.
In one case, there was a stubborn wheel on the

(36:00):
blower motor that couldn't get clean with their normal solvens.
He took it to a car wash literally and steam
blasted it, brought it back, did the rest of the cleaning,
and put it all back together. I hear stories like
this all the time, Hannah. The special special is and
I don't want people to be numb to this because

(36:21):
we say thirty nine bucks and people say, oh, you know,
thirty nine bucks, But my god, you don't get people
out to your house for a couple hours to take
a furnace apart and clean it for thirty nine bucks.

Speaker 7 (36:32):
Come on, No, you.

Speaker 17 (36:33):
Don't really what you're talking about with that blower wheel. Tom,
I'm so glad you mentioned that is you can get
the maintenance, you can get the tune up.

Speaker 13 (36:40):
Folks will come out to do that.

Speaker 17 (36:41):
But the specifically the blower wheel, which as you know,
is one of the most important and expensive components. Other
companies charge four, six, even eight hundred dollars for a
pulling clean on that we include it because that's.

Speaker 5 (36:56):
A pulling cleaning and they take it off. Now, let
me tell you importing that It is not mean to
interrupt you, but I have to tell you that just
a little grease and grime on a blower wheel. The
blower wheel is so light and fluffy meaning not light
and fluffy, but dainty meaning those fins, those fins are
like they're very thin, and they have to be very efficient.

Speaker 7 (37:13):
And so what happens is if they get weighted down or.

Speaker 5 (37:16):
That blower motor, that blower wheel doesn't turn in a
perfect circle, eventually it wears out your seals.

Speaker 7 (37:22):
Did you know that many.

Speaker 5 (37:24):
Years earlier than it should.

Speaker 17 (37:26):
So here's one of the statistics, and I think this
came from I can't remember what university study, but one
twentieth of an inch of dust, which is you know,
like the streaking right nothing will increase your energy usage
by thirty percent. So that's an immediate cost right there.

Speaker 5 (37:42):
Well, cleaning is important, but again cleaning, you guys don't
do cleaning as a wink wink. Let's just get in there,
vacuum out the cabinet and call it good. I'm really
serious about this, Okay. I love when people shop around,
and I think they should, but with this, there is
no shopping. This is you will never get this level

(38:03):
of service for this price. And that's the truth. Thirty
nine bucks. And I'm amaze you're still doing it because
we had a little cold weather, but it's still pretty
much a slow season right now.

Speaker 17 (38:13):
Originally we were going to do a different offer today
because of that, but looking at the forecast right now,
it's mild, so right this is I was talking to.

Speaker 13 (38:20):
A general manager.

Speaker 17 (38:22):
This is really the last chance to get on the shirt.
Sure that cold weatherhead so that we're off thirty nine dollars.

Speaker 5 (38:27):
And I've joked before that's what people spend for freaking
coffee in a week. Think about it. I bet you
today I bought a Starbucks a green tea macha. Okay
I did. I did a brevet latte, green tea manchia.
Do you want to know that I got it?

Speaker 1 (38:42):
All?

Speaker 4 (38:42):
Right?

Speaker 5 (38:42):
They're good? And Mark would joke when I told him
what I drink, He says, do you get a tampon
with that? Because he was saying it was freely anyway,
so bottom line, I got that and it was six
thirty nine or some sick something six something, So in
a week, you'll pay for cleaning. By the way, let
me go to Mike right now, but it's thirty nine bucks.

(39:03):
Fix my home dot com book now for first time customer. Now,
when they go to fix my home dot com book now?
Does it when you phit book now, does it give
you a choice of what you're booking?

Speaker 7 (39:12):
Okay, good, So you asked for that.

Speaker 17 (39:14):
You're gonna click the maintenance. That's what you're gonna collector
or call and talk to our nice team.

Speaker 5 (39:17):
Yeah, you could call seventeen zero five two six thirty
nine thirty nine. Hey, that's seventeen zero five two six
thirty nine thirty nine. Hey, Mike, what's going on in
your life? What's happening? Mike?

Speaker 8 (39:28):
Tell them thanks for taking my call.

Speaker 3 (39:31):
I've been getting this phone call from these dick collectors
saying that I suppose they need I owe money, and
I know I owe any money. And they're even calling
my wife saying that somehow would they think we owe
money and I don't even know who we'd need owe
money to.

Speaker 5 (39:46):
Okay, Mike, here's the deal. Here's the deal. A lot
of this is going on where you have a few problems. First,
some people don't even have you. Let's just say you
may owe it, but the person collecting it doesn't have
authority to collect it. So they find out about the bill,
and then they collect it from you, and you think

(40:07):
it's real, so you pay it, and it turns out
you paid someone who doesn't even have authority to collect
and you still owe the bill. The next scenario is
a total scam where you don't owe anything and they
scare you into paying something to settle the bill.

Speaker 7 (40:23):
And the other scam is even worse.

Speaker 5 (40:26):
Here's people owe a bill, let's say, and more than
six years goes by. Now a lot of people will say, well,
that's I moral tom to do this.

Speaker 7 (40:34):
But it's not immoral. But let me explain something.

Speaker 5 (40:37):
If you haven't paid your bill and six years have
gone by, they can't get a judgment in court against you.
They can't use the courts to collect. Therefore it's a
toothless bill. They can't come after you. But what some
companies do, and this is the trick. They say, listen,
you owe us six thousand dollars. Now you know that

(40:59):
bill was incurred ten years ago or seven years ago.
It's beyond the six year statute of limitations. And they
tell you, listen, why don't we just settle it and
then we won't come after you. Let's just settle it
for fifty dollars, and if you pay the fifty dollars,
Deputy d tell them what happens if you pay that fifty.

Speaker 13 (41:18):
Bucks, Well, you start the statute of limitations all over exactly.

Speaker 5 (41:22):
It's known as novation or new it's a new transaction
and it starts, it gives new life. They resurrect the
old debt. So which one is it?

Speaker 7 (41:32):
From you?

Speaker 5 (41:33):
Mike?

Speaker 7 (41:34):
They have to give you some clue. What is it? Mike?

Speaker 3 (41:37):
Look, I just we owe everything out right, and all
of a sudden, this is like I said the.

Speaker 13 (41:43):
Last few weeks.

Speaker 8 (41:44):
Last week here they've been giving me.

Speaker 7 (41:46):
I would just say I would just ignore it.

Speaker 13 (41:49):
Hey, Mike, are you calling because they're collecting a debt
that's not yours? Or do you just want them to stop?
Is there two ways to go about it?

Speaker 5 (41:57):
Is it possible you're saying you don't even know what
it is? Right?

Speaker 9 (42:01):
Yes, you know the problem is we've blocked all our
credit history because we have excellent credit. His store is
eighty five. Whoa mine? Wow, they're trying to get money
from us somehow.

Speaker 16 (42:17):
I'm bad.

Speaker 13 (42:18):
I have some ideas for you real quick, I may Mike.
So it could be that they got you confused with
someone else. That happens all the time. Do you know
who the debt collector is? They were supposed to send
you a.

Speaker 8 (42:30):
Letter along with the well they they're emails.

Speaker 9 (42:33):
Their stupid messages say oh yeah, we uh send you
a letter, We sent you a.

Speaker 19 (42:38):
Letter, and they never do send a letter.

Speaker 8 (42:40):
Yeah, let me see.

Speaker 9 (42:41):
I've been saving this.

Speaker 13 (42:42):
If you can figure out who the debt collector is
and if you have their mailing address, is a letter
mandatory letters mandatory under both the FDCPA and the Colorado CCP. Yes,
oh so this.

Speaker 9 (42:55):
Is rabbing off recovery ra b U.

Speaker 13 (42:58):
Okay, okay, hold on, hold on, hold on, hold on.
Here's what you should do. This will I guarantee you
this will work. You got to send them a letter.
It's got to be by mail, and it's got to
be certified mail with a return and receipt request that
it's going to call. It cost you ten dollars but
it's absolutely mandatory. And on the letter you say, hey,
I'm calling, I'm writing to you in reference to your letter,
and then close the photocopy of it, and all you

(43:21):
say is this is not my debt. I have no
knowledge of this creditor, and I never ever want to
hear from you again, and I refuse to pay you
a penny. Now, once that letter is delivered to the
debt collector, if they god forbid contact you again, you've
got a really good legal case against them.

Speaker 5 (43:38):
Yeah what if what if they do owe the money
and they don't and they forgot.

Speaker 13 (43:43):
Well they still can't contact them again. They can sue them. Right,
So that's what a lot of people. A lot of
people don't understand this. The bottom line is this.

Speaker 5 (43:52):
People can come after you, but if you tell them
not to contact you anymore, the only option they have
is to sue you.

Speaker 13 (43:59):
Well, odds are they won't, I death collector, because you
will be able to see if they have a history
of suing consumers. Most don't sue consumers.

Speaker 9 (44:09):
Neither one of us ever got a letter.

Speaker 5 (44:11):
He never just ignore it? How about just ignoring it?
Is it bothering you?

Speaker 9 (44:17):
Well, he don't like I mean, he doesn't like people
thinking he owe the money.

Speaker 13 (44:21):
You don't know.

Speaker 5 (44:21):
Anybody, but I know I totally understand that.

Speaker 7 (44:25):
But he should just ignore them. Seriously.

Speaker 13 (44:28):
My solution will work.

Speaker 9 (44:30):
Yeah, we blocked them. We never got anything in the mail.

Speaker 13 (44:33):
God's not gonna listen, Mike, don't worry about in the mail.
Just send them the letter.

Speaker 7 (44:38):
I still send the letter and say I.

Speaker 9 (44:41):
Got a letter.

Speaker 13 (44:42):
No use, Okay, they never got a letter.

Speaker 5 (44:45):
They have nothing to respond to.

Speaker 13 (44:46):
She said. She got an email from the letter.

Speaker 7 (44:48):
She got an email.

Speaker 8 (44:50):
Just voicemail there, just voicemail mail.

Speaker 13 (44:53):
Okay. Well look up the mailing address for this death
collector and send them the letter that I described. Odds
you'll never ever hear from them again.

Speaker 5 (45:02):
Now, Cindy has an issue with a credit card and
Choice is coming online. Hang on the line, we'll be
right back to I'm Tom Martino three O three seven
one three talk seven one three eight two five five
Denver Regen dot com for stem cell therapy start out
the new year without pain. They did a tremendous job
for me. Stem cell therapy for lower back, elbow, neck,

(45:25):
painful joints and tendons. Denverregen dot Com Go with a
sure thing Denver's best roofer Excel Roofing dot com.

Speaker 18 (45:39):
You don't pay a cent until you're content.

Speaker 5 (45:43):
Please time for an insurance check up free, no obligation.
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.

Speaker 7 (46:11):
Hi Tom Martino here.

Speaker 5 (46:12):
Three three seven one three talk seven one three eight
two five five. Cindy has an issue with a credit
card and don't forget fixed my home dot com book
now for that thirty nine dollars spectacular extreme clean, tune
and check.

Speaker 7 (46:24):
Hey Cindy, what's going on?

Speaker 20 (46:27):
Hi Tom? I'm going to try not to get too
complicated here.

Speaker 9 (46:30):
Feel free to give me jo right.

Speaker 20 (46:34):
This is regarding my sister who passed away on November fifteenth.
Oh wow, so it's say at State.

Speaker 7 (46:43):
Tell me was she in a condo?

Speaker 20 (46:47):
No? No, she was in a assisted living nurse ass Oh?

Speaker 5 (46:52):
Oh, okay, go ahead.

Speaker 20 (46:53):
Okay and so she died in November. The thing is
is I was going through her paperwork is a horrible, horrible,
nightmare mess. But she had a credit card and I
called them to ask them to shut it down.

Speaker 5 (47:13):
All of that.

Speaker 20 (47:14):
She had a zero balance on it, and the woman said, well,
you know there's another account here.

Speaker 9 (47:21):
She said.

Speaker 20 (47:21):
She also had a.

Speaker 9 (47:22):
Platinum card and she said.

Speaker 20 (47:25):
There's a ten thousand dollars balance on it. And I
was kind of taken aback because I have no information
about that. I didn't have a credit card for that
or anything. And she said, well, it was an account
where she should just take money out, you know, she
could take two hundred out or a thousand hours or

(47:45):
here and there. And I said, well, I don't understand
this because there's no record, there's no statements, there's nothing.

Speaker 9 (47:54):
I and she.

Speaker 7 (47:55):
Said, well, and who were you talking to? By the way, I'm.

Speaker 20 (48:00):
Capital one, okay, okay, So the person he'll answer when
I called to take care of the other credit cards, okay.
And she said, well, I may send some out in
the beginning, but because she didn't pay anything, and I said,
wait a minute, she didn't ever me a payment and
she said no, And I said well, how long has

(48:22):
this been there? Since twenty eighteen?

Speaker 5 (48:25):
Okay, so it's gone. It's older than it's moots. It
doesn't count. They can't do anything about it. You don't
have to pay it. Nothing can happen.

Speaker 20 (48:36):
Oh okay, because it's been.

Speaker 5 (48:37):
So long six years. They can't sue and get a judgment.
And what are they going to do? They can't sue anyway,
but they here's what would happen if they wanted to,
if it was a new debt. What they can do
is sue the estate, but very seldom do credit cards
do that. However, they can sue the estate, but very

(49:00):
seldom do they do that. And normally, if someone owes
money like that, it's you know, they just don't collect it.
But if you know of a bill that she owes,
you have to settle it if you're a personal representative,
or you could be held accountable for it. Except this
one is ter than six years. I mean, it's a

(49:23):
nothing burger. As they say, are they trying to collect it?
What are they trying to do?

Speaker 20 (49:29):
Well, she said, well it's going to need to be
paid back now, and I said, well, she hasn't made
it back in six years what's the you know, Yeah,
you don't understand and.

Speaker 5 (49:39):
Woll how it was two thousand and nineteen eighteen, twenty eighteen. Yeah,
So just don't do anything. I mean, why are you
even messing with it?

Speaker 13 (49:52):
Is?

Speaker 5 (49:53):
What is the go ahead?

Speaker 20 (49:56):
I was afraid it was some kind of fraudulent kind
of thing.

Speaker 9 (50:00):
They could come out to the estate for it.

Speaker 5 (50:03):
Well, I doubt Capital One would perpetrate a fraud for
I doubt they're going to make this up to to
try to get paid.

Speaker 13 (50:13):
You're absolutely correct about the statute of limitations. But I
wonder if the fact that this is now in a
state matter. I wonder if that kind of introduces a
new wrinkle into how this could But I doubt it.

Speaker 7 (50:23):
They still have a six year statute of limitation.

Speaker 13 (50:26):
Do you think, Dan, do you think this might be
a good question for Dan mackenzie?

Speaker 5 (50:30):
Do you think this becomes a new bill after she died.

Speaker 13 (50:33):
I'm wondering because he said he always trusses that the
executor of the estate is responsible for unpaid bills. But
I'm wondering if those bills have to be within the
statute of limitations. But he was pretty clear that there's
something special that happens when an estate owes money.

Speaker 5 (50:53):
If the estate owes money, theoretically it doesn't owe this
money anymore. But I mean it does. It's funny money.
They owe the money, it's just that they can't collect
on it. So they can't collect on the bill. How
would they go after Cindy for it?

Speaker 13 (51:10):
I don't know.

Speaker 5 (51:12):
We could, you know, if Dan McKenzie around, we can
ask him. I don't see what could. I don't if
I had a bill sitting out there older than six
years old on an estate, I wouldn't pay it. But
then again, maybe some magic happens and it's resurrected when
she dies. I don't see how a bill can magically

(51:33):
become new again when someone dies.

Speaker 13 (51:37):
Well, you know, they are technically a creditor. Capital one
is technically a creditor, right, that's right against the estate,
that's right. So I'm wondering if that introduces some new
statute of limitations, you know, because this is a significant
change in the condition of this debt.

Speaker 5 (51:52):
But Cindy, if you hadn't called, they wouldn't have even they.

Speaker 7 (51:56):
Never pursued her.

Speaker 5 (51:57):
They never pursued her, right.

Speaker 13 (52:00):
Right, right, not once.

Speaker 20 (52:02):
Reason My call was the other credit credit card that
I wanted to shut down, and I don't know. My
thought was, you know, I don't have any proof that
this loan existed.

Speaker 5 (52:15):
Hey, hold on, I want to make sure I'm on
time for breaks? Right, I didn't take Did I take
the fifteen dragon? Okay? Good send you? That's okay. I
wanted to make sure you had time. Here's the thing.
Let's get our estate attorney on and ask him if
a bill becomes new again when someone dies, and if
the personal representative has to pay it. It's a good

(52:37):
question again, they weren't even trying to collect it, right
or you don't know because well you wouldn't know if
they were not, because she's she passed away. I mean
she could have letters of demand from them. We don't
know that.

Speaker 20 (52:53):
But the ladies said they had never sent one.

Speaker 7 (52:57):
Then why why didn't they send one?

Speaker 9 (53:02):
She didn't know and I said, well.

Speaker 5 (53:04):
Oh that's ridiculous. Well that you know, what are you
sure you were talking to Capital one? Because that doesn't
sound like Capital one to me? And in fact, I
don't even know what you have to do. And it's
a good question again for Dan McKenzie. What do you
have to do? To find out if their bills. What
kind of good faith effort do you have to make
as a personal representative to find bills owed by the estate.

Speaker 7 (53:27):
That's another good question.

Speaker 5 (53:28):
So it is a good idea to have Dan McKenzie
on McKenzie law.

Speaker 7 (53:32):
By the way, Dan is someone who does.

Speaker 5 (53:37):
Does estates and wills and trusts, and he'll know about it.

Speaker 7 (53:42):
So McKenzie law.

Speaker 5 (53:44):
Let's get Dan mckenzieon and we'll talk about it. Hold on, Cindy,
We'll try to get some answers for you. I'm Tom Martinez.
Three h three seven one three talk seven one three
eight two five five. Okay, you know that waters great
and water Pros has that reverse osmosis system for just

(54:04):
twelve hundred dollars waterpros dot net. Give yourself a gift
of clean water. You never have to buy bottled water again.
Three oh three A six y two five five five four.
Go with a sure thing Denver's best roofer Excel roofing

(54:25):
dot com.

Speaker 18 (54:26):
You don't pay a cent until you're content.

Speaker 5 (54:31):
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
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, you're a troubleshooter.

(54:57):
Let's go to Dan McKenzie, attorney at law. He does
a state law, he does wills, he does trust, he
does probate, avoiding probate, all kinds of stuff. I'm working
with him right now in my estate plan, which is
way overdoing. Everyone should have an estate plan, Dan, this
is a very interesting topic. Let's just for argument's sake,

(55:18):
take Capital One at its word. Cindy, her sister died
in November. Cindy is the personal representative. Cindy found out
when she called about a credit card to shut it
down at Capital One. Capital One told her, well, your
sister has another account with us and there's an outstanding

(55:42):
balance from twenty eighteen for ten thousand dollars.

Speaker 7 (55:49):
And Cindy said, well, I.

Speaker 5 (55:51):
Know nothing about it, and here's what we want to know.
We know that there's a six year statute of limitations
for go into court and getting a judgment on a
debt older than six years in Colorado? Would that apply
to this estate or would Cindy have a good faith
obligation to pay it off knowing that it exists even

(56:13):
though it's older than six years.

Speaker 11 (56:17):
I mean, I think she should be careful, Like if
she wanted to pay it off, I'd tell her, well,
you better be careful about that. I don't know who
the beneficiaries are. But it's like, if you pay a
debt that really you didn't have to pay, other people
could say, hang on a minute, you just paid money
you wouldn't have had to pay. So I mean, I
think she really should be very thorough about making sure
that there really is is that debt?

Speaker 5 (56:39):
Yeah, but if the debt really exists, but Capital one
but Capital one can't go after them because it's older
than six years? Could Capital one go after the personal
representative saying, even though we can't get a judgment against her,
it was past six years now that she died, the
estate the money, and now we're going to go after you.

Speaker 11 (57:03):
I mean, they need to the way I would recommend
she handle it is that they need to submit a
claim either to her or to the prod A case
and she needs to deny it.

Speaker 7 (57:14):
Okay, you can.

Speaker 11 (57:16):
There's no, there's not really much process there other than
letting them know I am disallowing this claim. And sometimes
people disallow every single claim. They don't even you know,
they don't know. Look oh really yeah, I don't really
recommend that, but uh.

Speaker 5 (57:29):
Yeah, but if if you but but if you are
a personal representative, if you are and there's not much
money to be distributed, are you still held responsible for
unpaid debt?

Speaker 3 (57:40):
No?

Speaker 11 (57:41):
No, I mean that's part of the process is letting
them know, Like I'm not disallowing them. I mean there's
a different things disallowing and just telling them just not
enough money, right, just allowing your I don't think that's debt.

Speaker 5 (57:51):
And uh, well, let's say you disallowed something and you
took the money because you're the only heir. If you
disallowed something that should have been paid, can they come
after you saying you should not have disallowed it and
now you owe us the money?

Speaker 11 (58:07):
Yep, So they get once once you notify them that
you've disallowed to claim, they get sixty three days, nine
weeks to tell you know, we are going to contest
that and you know that that might go to court
and there might be a hearing and you have to
explain yourself, which is why I don't tell people like
let's just disallow everything, because you don't want to be
in front of a course and you know what, right, okay, now,

(58:30):
as I tell her like yeah, ideally, like tell them
to submit the thing either to you or the probate case,
and then disallow it and let them let them assert
their cup faim.

Speaker 5 (58:39):
I have another question, what kind of good faith effort
does a personal representative have to make to find out
what an estate owes? How far do they have to dig?

Speaker 11 (58:51):
And that's a top one. It's you know, they are
supposed to alert either you know, they're either supposed to
send that they claim to the personal represents or filed
in the case if you reasonably should have known there
was a debt out there, I mean, arguably they're going
to say, hey, they knew it, and they can't hide
behind the fact that they ran a newspaper ad for example,

(59:12):
like this is a debt that was well known, you know,
and then that gets know, it's just a factual analysis
as to whether that really was john about or not.

Speaker 5 (59:22):
By the way, as a personal representative. They do they
have to put an ad anywhere? Do you have to
advertise that someone is dead and if you have a
claim make it? I mean, do you have to do
anything like that?

Speaker 11 (59:36):
If it has been less than a year since the death,
you are supposed to run that newspaper ad announcing that
there's a probate case going on.

Speaker 14 (59:44):
But you could wait.

Speaker 11 (59:44):
I mean, it's a strategizing here and a couple different
ways that you could wait until you know a year
has run to do distributions. We've seen people do that.
It just depends on do you want to wait that long?

Speaker 5 (59:55):
So if you wait, if you wait and no one
makes a claim, then they lose their right to make
a claim.

Speaker 11 (01:00:03):
Yeah, but it's been a year since the day to
death and they have not asserted a claim. And you know,
Kevin Seu, I mean they you would you would think
they should do that and at some point the court
wants to give you finality and say, okay, it's been
a year.

Speaker 5 (01:00:13):
Yeah, but I have an interesting question. Let's just say,
you know, I have a lot of credit card debt
and I pay it off every month, Okay, and I
use my credit card strategically So let's say I die
and I have a big balance. How would Capital one
or another credit card or a bank? How do they
know if they're not notified? Do they have like crawlers

(01:00:36):
out there on the internet finding obituaries? How do they
find out?

Speaker 11 (01:00:40):
I mean they're looking for that ad?

Speaker 9 (01:00:41):
Probably?

Speaker 11 (01:00:42):
I mean they really are, Like do they do?

Speaker 5 (01:00:44):
They have people in these departments that actually look for
dead customers?

Speaker 11 (01:00:50):
Sure, I mean that's that. People ask me like are
they going to how is anyone going to skin ad?
And the Engle would record right like exactly people are
read that. Again, that's the chance that it's going to
be somebody who actually I owed money too, is really
going to read this thing?

Speaker 5 (01:01:04):
Yeah, there are.

Speaker 11 (01:01:04):
Professionals out there looking for those and credit cards are
frequently they are a frequent claim that gets asserted in
private matters. So somehow they do.

Speaker 7 (01:01:13):
It, I mean they're pretty wow.

Speaker 5 (01:01:15):
So does it specify what publication you need to use?

Speaker 11 (01:01:21):
There are minimum standards, so it has to circulate in
the county where the person passed away, It has to
circulate at least once a week. There has to be
at least a ten thousand person circulation. So there are
you can't just put it in your ho a newsletter
and hope they don't see it.

Speaker 7 (01:01:34):
It's got it.

Speaker 5 (01:01:35):
Well, they're getting these publications are getting fewer and fewer
and far between. Do you think they'll ever designate a website?

Speaker 14 (01:01:44):
Yeah?

Speaker 5 (01:01:44):
I do.

Speaker 11 (01:01:44):
I mean it's going to be unfortunate because it's like, yeah,
we kind of do want to put them in obscure places. Frankly,
you know, we usually we're hoping to meet the minimum
standard and not have anyone submit claims. But in a web,
you know, having it on the web makes it a
lot easier to find.

Speaker 21 (01:01:58):
I think.

Speaker 7 (01:01:58):
Yeah. So, so here's what I want to know.

Speaker 5 (01:02:01):
If if that change was to be made from a
publication to a website, what law would change?

Speaker 7 (01:02:06):
Is it state law or federal law? State?

Speaker 5 (01:02:10):
Yeah, so the state would have to make a law
that from now on, you can do your you or
you must do your publication in a certain Can they
mandate one way? Let's say the state sponsors a website
that does this. Is that theoretically possible that they could
do that?

Speaker 11 (01:02:30):
It seems like they'd have to because I mean, you know,
obviously you can put stuff on the internet and make
it really hard to find like you know, right, so
they would have they'd have to do something similar to
what they did with the newspapers, have some minimum standard
or some agreed upon website where it's like here, if
you put it here, you're off the hook. If no
one sin, that's a claim. So that probably is the

(01:02:51):
challenge that it's holding them back from making that move,
because you're right, the newspapers are less. I think this
is like a major source of revenue for some of
these small are coming in the newspapers.

Speaker 7 (01:03:01):
Actually, Wow, thank you very much.

Speaker 5 (01:03:04):
Dan McKenzie McKenzie loth eight three three COO plans eight
three three co plans. I'll get to your call, coming
right up. Joyce on the security system. And also we
have another credit card issue from JR. So hang on,
we got more coming right up. Go with a sure

(01:03:27):
thing Denver's Best roofer Excel Roofing dot com.

Speaker 18 (01:03:30):
You don't pay a cent until you're content.

Speaker 5 (01:03:35):
Time for an insurance checkup, free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three O three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. I'm Artino, you're

(01:04:00):
troubleshooter three all three seven one three talks seven one
three eight two five five. Joyce, what's going on with
your security system? By the way, fixmihome dot com? Book
now thirty nine bucks once they get filled up for
their schedule. By the way, it doesn't have to be
done today. It can be done in the future, but
you got to book it today to get that thirty

(01:04:21):
nine dollars special for an extreme clean tune in check.

Speaker 7 (01:04:24):
So I just want to remind.

Speaker 5 (01:04:25):
You that they're standing by seven two zero five two
six thirty nine thirty nine for then go ahead, as I.

Speaker 17 (01:04:32):
Say, that's for the extreme clean tune in check.

Speaker 5 (01:04:34):
Is for the furnace.

Speaker 7 (01:04:36):
For the furnace, right. Oh, I'm sorry? Did I say
something else?

Speaker 5 (01:04:38):
No? You just didn't. Oh I didn't say what it was.

Speaker 7 (01:04:41):
You're right, I never even duh. It is for the furnace.

Speaker 5 (01:04:43):
Okay, Now, well Joyce, what's going on?

Speaker 1 (01:04:46):
Hi?

Speaker 5 (01:04:46):
Joyce?

Speaker 8 (01:04:48):
Hi?

Speaker 9 (01:04:49):
Hi, do recall from breach? I thought well, I'm having
trouble with my vivit system. Maybe it's almost so I
should change. I had them all written, used fifest equipment,
changed the monitor and changed the doorbell only.

Speaker 5 (01:05:13):
Okay, now, by the way, that this is a new system,
is it Joyce or is this refurbishing a system.

Speaker 9 (01:05:22):
They're using the other system utility.

Speaker 5 (01:05:27):
Yeah, but that's that's what I'm confused about. When you
say the other system you had a system in there.

Speaker 9 (01:05:34):
Yes, and was that system I know?

Speaker 5 (01:05:39):
But the system you had in there already? Were you
obligated to that system? Did you owe money on the system?
Were you leasing the system? Did you own the system?
What was the story on the old system?

Speaker 9 (01:05:51):
Okay, the old system I thought was almost I'd had
it for almost five years. If I could say some
of the problems because my garage door was opening, nobody
really say why it was I needed a new equipment
or whatever, and never.

Speaker 11 (01:06:10):
Heard from us.

Speaker 5 (01:06:11):
When you say your garage door wasn't opening, you mean
with the with the opener, it wasn't opening.

Speaker 9 (01:06:17):
Right, It's called my cue.

Speaker 7 (01:06:19):
Okay, I get it. Oh, Mike que is just an app.

Speaker 5 (01:06:22):
That's just an app and it has nothing to do
with your home security system. But Joyce, here's what I
need to know. The new security system. What's the name
of it.

Speaker 9 (01:06:31):
Brink, That's what they identified themselves as.

Speaker 5 (01:06:35):
And then okay, so you got a new Brink security system.
And then they came in and used part of the
old system, the.

Speaker 9 (01:06:42):
Monitor and doorbell nothing else.

Speaker 5 (01:06:45):
Okay, that's what Brings did to monitor in the doorbell.

Speaker 8 (01:06:50):
Okay, got it.

Speaker 9 (01:06:51):
It would be done in one day. And as these
appea says, we don't have my cue and be able
to change it. I bucked at him and he left,
and then all of a sudden, within twenty minutes he
was back, and he had me sign a bunch of
things and kind of wreshed me through it, but I

(01:07:12):
signed it like an idiot, and he left I. Over
the weekend I had alarms going off police at my door,
and by Monday I called them and got the run around.
I got set up and after five hours on the
phone and hung up on him. So Tuesday I tried again,

(01:07:34):
another five six hours.

Speaker 5 (01:07:36):
How much did you pay.

Speaker 7 (01:07:37):
For this, Brinks? How much did you pay for this system?

Speaker 9 (01:07:41):
I haven't paid anything but sixty six dollars I put
a block after that was paid and that was paid
the very day they just changed those two things.

Speaker 5 (01:07:54):
Yeah, but when they changed those two things, whatever happened
to the old system that old company might own that equipment.
I'm a little concerned about how you did this, Joyce.

Speaker 9 (01:08:06):
Okay, that's what I'm saying. So I called the old
system baking back out because Brank's left. They're property here
that they change.

Speaker 1 (01:08:19):
So I.

Speaker 5 (01:08:21):
Okay, hold on a second, Joyce. This whole thing sounds
very screwed up. You had a company come in and
used old equipment, and that old company.

Speaker 7 (01:08:30):
Was never notified. Hold on, I'll come back to Joyce.

Speaker 5 (01:08:33):
Okay. We need more time on this one, and we
hope we can help you. It sounds really screwed up,
but I'll get somebody on it for you. Just hang
on all right. I'm Tom Martinez. More on this coming up.
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're content.

(01:08:55):
Time for an insurance check up free, no obligation. In comparison,
call Compass and insurance pay too much your coverage at
dozens of insurance companies find out now three all three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (01:09:16):
Yeah, ripped news needed, that's who you don't have?

Speaker 3 (01:09:29):
Come running as stas as we can.

Speaker 2 (01:09:32):
Shooter's gonna help.

Speaker 4 (01:09:34):
Come Max is the Troubleshooter Show.

Speaker 5 (01:09:38):
No Tom Martino. Hey, I'm Tom Martino. Welcome to the show.
We are here to solve your problems or just give
you advice. We have experts standing by that can help you.
We can also help you with your next steps. Whatever
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(01:10:01):
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(01:10:21):
and services. Today, I've Hannah with me from Fix at
twenty four to seven. They're doing that furnace refurbishment, Extreme
clean tune in check for thirty nine bucks. You just
have to go to fix my Home dot Com book
now for that, and we'll talk more about that. I
also have some texts on some other things, questions for
them on the new you know what do they call

(01:10:46):
them requirements or codes requirements on water heaters and other things.
It's the new Knox emissions requirements, which will send the
price of things through the roof next year. And they
can still sell, however, the existing equipment they have right

(01:11:08):
now and through the first of the year until they
run out. So once they run out of the old equipment,
the new Knox equipment will be more expensive. It's going
to be incredibly expensive, like in some cases forty to
fifty percent more.

Speaker 7 (01:11:24):
We'll talk about that right now.

Speaker 5 (01:11:26):
Joyce tells me that she had a new Brinks security
system put in, but really they only put in a
monitor in and something else, and they use the old
Vivind equipment that was in her house, and she also
integrated it with her Mi Cue garage door app. And
I just wanted to say something to Joyce. Joyce, I

(01:11:49):
don't expect you to understand the whole system but I
just wanted to make something very clear to you. You
said you had Brinks come to your house because you
were having trouble anyway, and one of the things you
were having trouble with it was your garage door. I
want you to know that the MYQ app has nothing
to do with your home security system. It can be
integrated with it, but it will operate totally and separately

(01:12:12):
without your home security system. So I think that you
probably got a new system and you didn't need one.
You probably just needed someone to service the old one
that you had. You said you had concerns that your
garage door stopped working again. It's too difficult to try
to guess what was going on. But right now, the

(01:12:34):
way I understand it, the Brinks system, they only installed
a monitor, and what else did they install?

Speaker 9 (01:12:43):
Dark beell?

Speaker 7 (01:12:44):
Okay and so right?

Speaker 5 (01:12:47):
And then they put in their own head there right,
their own control center that you turn on and off
when you leave the house, right, that is correct? And
what happened to the old viv't control module? Where's the
old did they? They left it there?

Speaker 9 (01:13:05):
Left?

Speaker 5 (01:13:07):
Okay? So what is your problem now, Joyce? What are
you calling us about today?

Speaker 9 (01:13:12):
Okay? I had visit come out and they checked everything out,
goffing dore a garage, door openers working together. Everything fine.
But in the meantime I've been calling Brings and told
them I don't want their service because of all the
alarms going off in the middle of the night and

(01:13:32):
back here by myself. I'm eighty two years old. Yeah,
it's you.

Speaker 5 (01:13:38):
Know up, Joyce.

Speaker 9 (01:13:41):
Contract.

Speaker 5 (01:13:42):
You did sign a contract, Joyce, that's the problem. So
now you But is Vivin still charging you for anything?

Speaker 9 (01:13:54):
Yes, I have my I don't think it ends until
August next year.

Speaker 5 (01:14:02):
But so you're paying for two systems. How much are
you paying? How much are you paying for Brinks?

Speaker 9 (01:14:09):
Two dollars? Okay, Brinks just through another seventy five dollars
and fifteen cents out of my account.

Speaker 5 (01:14:18):
And how often are they going to do that every month?
What are you paying? What are you paying seventy five dollars?
What are you paying seventy five dollars.

Speaker 9 (01:14:28):
For just to monitor in the doorbell? As far as I.

Speaker 7 (01:14:32):
Know, seventy five dollars a month.

Speaker 9 (01:14:36):
They told me it would only be sixty six.

Speaker 7 (01:14:39):
Yeah, but that's even too much. That's even too much.

Speaker 5 (01:14:44):
And Joyce put together after Joyce you got taken advantage of.
But now you actually have two bad systems in your
house unfortunately. And I don't know why you had Brinks
come and why you signed a new contract when call me.

Speaker 9 (01:15:00):
Just us the right time? And I blew it?

Speaker 5 (01:15:04):
When did you sign that contract with Brinks?

Speaker 9 (01:15:07):
October ninth? And fighting with them ever since?

Speaker 7 (01:15:13):
Okay, I owed.

Speaker 9 (01:15:14):
Them forty eight outs, No, four thousand, eight hundred and
fifty five dollars for what?

Speaker 5 (01:15:22):
What do you owe them?

Speaker 7 (01:15:22):
Fourth out? Why do you owe them forty eight hundred dollars?

Speaker 5 (01:15:25):
Why?

Speaker 9 (01:15:27):
Because I signed the contract? That's what they tell me.

Speaker 5 (01:15:33):
Hey, Bo, can you go out and visit seriously, we
need to help Joyce.

Speaker 7 (01:15:37):
This woman's complicated.

Speaker 12 (01:15:38):
I'm willing to give her a call and see if
we can knock out.

Speaker 5 (01:15:42):
Here one of she's got two systems. We got to
get rid of one of them she signed. She probably
has the vividt one that. I don't know what you did, Joyce, Joyce.

Speaker 9 (01:15:54):
One the visit I've had for four years, a vigita.
I came out, put their stuff back in. Everything works.
I do not have alarms going off. I don't have
a plate tet my door in the middle of the night.

Speaker 7 (01:16:09):
So right now, right now, what system do you have? Vivid?

Speaker 9 (01:16:14):
Vivid and you start to me and they're going under.
If you call Breaks, that sent you to Skyline. Skyline
sends you back to Breaks and it's back and forth
five six hours every time I talked.

Speaker 12 (01:16:26):
To which one do you want to get? Ready?

Speaker 1 (01:16:29):
Port?

Speaker 5 (01:16:29):
You know what, we we just need to get this
woman doesn't know what she's doing. We got to help her.

Speaker 12 (01:16:34):
We've had some good luck with Vivid on that case
last time, believe.

Speaker 7 (01:16:38):
Yeah, but Vivid right now, she wants Vivid. She says
they're working.

Speaker 12 (01:16:42):
She wants and wants to get rid of Breaks.

Speaker 5 (01:16:46):
Right and she said she was she was tricked into
signing the Brinks contract.

Speaker 12 (01:16:50):
Get me and her number.

Speaker 7 (01:16:52):
I'll give you, Joyce.

Speaker 5 (01:16:54):
We will see what we can do for you. We
can't make any promises, but we'll see. I mean this,
this is terrible. Listen. I doubt Brinks is going to
sue you, by the way, but we need to get
We need to get her figure out what happened.

Speaker 7 (01:17:09):
This is where these people call.

Speaker 5 (01:17:11):
They call these older people and they just take advantage
of them. Yep, they just take advantage go ahead.

Speaker 9 (01:17:21):
Okay, Brince has gone by two names. They say they are.

Speaker 7 (01:17:29):
I know what you mean.

Speaker 5 (01:17:30):
They have a local agent probably that does the Brink system.

Speaker 7 (01:17:34):
Who's the local company?

Speaker 9 (01:17:37):
Because they've come out fixed everything? Please aren't showing that
my door?

Speaker 7 (01:17:42):
Now I get it.

Speaker 9 (01:17:44):
It's finding a way to get to my bank account,
whether it's Skyline and I put a stop payment on
it means and I have to go back and put
another stop payment Brinks.

Speaker 5 (01:17:55):
All I mean, Joyce, what you need to do is
you need to uh probably close that account? Did they
How did they get access to your bank account?

Speaker 9 (01:18:06):
They have to get the equipment they said they still
needed to get, which all the work was supposed to
be done in one day. Didn't they call and cancel
it if they can't get here until another week later?

Speaker 5 (01:18:20):
Well, I would call it. I would bo. I would
call that company and see if they'll just let her go,
just get their damn stuff out of her house.

Speaker 22 (01:18:28):
Okay.

Speaker 5 (01:18:29):
Now she says she deals with Brinks, but there's a
local dealer or something. The local company. She says, it's
two companies, bring security system and someone else. I'll get
her paperwork.

Speaker 12 (01:18:40):
She should cancel her credit card and get a new account.

Speaker 5 (01:18:43):
I don't know. Are they taking it out of your
bank account or your credit card?

Speaker 7 (01:18:47):
Joyce?

Speaker 9 (01:18:47):
Taking it out of my bank account?

Speaker 13 (01:18:50):
Does she switch?

Speaker 7 (01:18:51):
She needs to open a new Yeah.

Speaker 5 (01:18:53):
And unfortunately, if she switches bank accounts with the same bank,
they can go into the new account if they have
a contract. She literally needs to change your bank. She's
not going to like hearing this, but she needs to
change your bank. Who do you bank with right now? Joyce?

Speaker 9 (01:19:11):
Community Choice, credit Union are not help for over twenty years?

Speaker 5 (01:19:16):
Well, they might help her if they know, if they
know she wants to.

Speaker 7 (01:19:20):
They're different than a bank.

Speaker 5 (01:19:22):
They may not do that cross collateralization because normally, for
those listening, cross collateralization means when you close one account
and they have a bill that you owe that you
gave access to that account, they can go into your
other account. They can, they can do whatever. If you
have multiple accounts at a bank, you sign this cross

(01:19:44):
collateralization agreement which says that they can go into other
accounts that you own to settle the matter.

Speaker 7 (01:19:51):
It's terrible, it's a terrible, terrible thing people sign when
they open up an account.

Speaker 13 (01:19:57):
Tom, I know this credit union. They're really really good company.
They have a branch office up in Commerce City and
another one in nervad Or.

Speaker 5 (01:20:04):
We have to do a shutouts Branks. She needs to
shut out Brinks and this other the other company that
with Brinks, Brinks.

Speaker 9 (01:20:12):
And who else, and it could be they take the skyline.
But when they come to my door, they say they
are supposed to be merging, but they aren't merged as here.

Speaker 7 (01:20:24):
Okay.

Speaker 9 (01:20:24):
They transfer me back and forth, back and forth.

Speaker 5 (01:20:28):
All right, I'm sorry about that. Yes, sorry about that, really, Joyce.
Hold on, hold, okay, no, no, We're well, we'll talk
to you off the r Christian. I'll get started with
you and then I have to take a break. But Christian,
what's going on? Is this an extended warranty for a
new or used car? Christian?

Speaker 8 (01:20:48):
It's for a used car.

Speaker 19 (01:20:50):
Bought a car from automation.

Speaker 5 (01:20:54):
And what's the name of what's the name of the warranty?
Christian Ussurance? Uh huh. Hold on, we'll come right back
to you. Okay, Well, well we'll try to help you.
We've had good luck with these. I'm Tom Martino three
O three seven to one three talks seven one three
eight two five five. Compass Insurance Group does free insurance

(01:21:14):
checkups to make sure you have the right coverage and
you're not paying too much. It's all free and it's honest,
and they check with twenty five companies three oh three
nine nine six nine thousand. Go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay

(01:21:35):
a cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out Now
three oh three seven 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

(01:21:57):
Remax Alliance three oh three nine two zero sixteen twenty two. Hi,
Tom Martino, Christian has an issue with the used car
warranty and don't forget this thirty nine dollars Extreme clean
tune and check from Fix at twenty four to seven
fixmihome dot com. Book now or call them seven to

(01:22:20):
zero five two six thirty nine thirty nine.

Speaker 7 (01:22:23):
As the schedule fills up.

Speaker 5 (01:22:24):
They can't do these and I promise you thirty nine
dollars is is like a courtesy fee for God's sake.
So they spend two hours at your place and they
take your furnace apart and make sure it's running perfectly
for thirty nine bucks. And that's fixmiome dot com book
now or seven two zero five two six thirty nine

(01:22:45):
thirty nine. Hey Christian, real quick, when this extended warranty?

Speaker 7 (01:22:51):
How long have you had this car.

Speaker 5 (01:22:54):
For?

Speaker 19 (01:22:54):
About six or seven months?

Speaker 1 (01:22:55):
Now?

Speaker 5 (01:22:56):
Okay? And when you bought the car seven months ago,
you bought this extended warranty with it?

Speaker 1 (01:23:03):
Is that right?

Speaker 19 (01:23:05):
That is correct?

Speaker 5 (01:23:06):
And what kind of a car is it?

Speaker 8 (01:23:10):
It's a twenty twenty three twosn okay?

Speaker 5 (01:23:14):
And didn't that have a warranty on it when you
bought it? Or well, let's see twenty three? Yeah, wouldn't
that have still? That would have still had part of
the Hyundai warranty?

Speaker 10 (01:23:23):
Right?

Speaker 19 (01:23:25):
No, it was over fifty thousand miles, so I lost
and it wasn't certified pren since it was b.

Speaker 5 (01:23:30):
Okay, got it? Got it so and it was from automation,
and uh, tell me tell me the situation. What's going
on now with the warranty?

Speaker 19 (01:23:43):
So the car got a check engine light about a
month ago, and so I took it in and it
was a cylinder formist fire, so I put the feel
injector in.

Speaker 5 (01:23:54):
So they actually did cut the warranty did cover that.

Speaker 19 (01:23:58):
They covered the fuel injector.

Speaker 7 (01:24:00):
That was two months ago.

Speaker 19 (01:24:03):
About them, Yeah, actually about a month ago.

Speaker 7 (01:24:06):
Okay, about a month ago.

Speaker 19 (01:24:08):
The check engine light was off and I got it
and then the next day the check engine light came
back on. So I took it back and then they
called me and told me that they're scoring on the
inside of the piston walls and so that I need
a new engine.

Speaker 5 (01:24:21):
So they did try there, and they're saying it's pre existing.

Speaker 7 (01:24:23):
Right.

Speaker 22 (01:24:25):
There's there.

Speaker 19 (01:24:27):
They didn't say it's pre existing, and they're saying that
they tried to go through a Hyundai to get a
new engine, and then they're trying to go through the
extended warranty now to get a new engine. And the
extended warranty asked for maintenance history because I do my
own oil at home, and so I changed my own
oil and so I had to get receipts and everything
from Walmart because they were trying to say that I
was neglecting maintenance and they would.

Speaker 5 (01:24:49):
How how how long? How many miles on this.

Speaker 19 (01:24:51):
By the way, there is eighty thousand miles?

Speaker 5 (01:24:56):
And when you bought it, how many miles have you
put on it?

Speaker 19 (01:25:01):
About sixteen?

Speaker 13 (01:25:04):
I think you said sixteen sixteen thousand?

Speaker 5 (01:25:06):
Okay?

Speaker 7 (01:25:08):
All right? And are they are they claiming?

Speaker 5 (01:25:13):
Well, they're trying to get out of the warranty, right,
they're trying to get out of it, saying and how
did you discover you needed an engine? Why did they
check the inside of your cylinders?

Speaker 19 (01:25:23):
I don't understand that they because they said it was
a cylinder forms fire and Planet Hundai went to that degree.

Speaker 5 (01:25:31):
Okay, Planet Hyundai is a good place, right, And they
say you need an engine, right, they.

Speaker 19 (01:25:41):
Say they need a new engine with those with the
scoring on the inside of the walls. So that's what
we went for.

Speaker 13 (01:25:47):
And did they deny your claim because they said that
the receipts for the oil you bought at Walmart is
not enough to prove that you actually changed the oil.
Is that what's going on?

Speaker 7 (01:25:57):
Yeah? What are they doing right now?

Speaker 19 (01:26:00):
They haven't denied it yet. They're wanting to take they
want to take all the valve covers off and then
get photos of inside the valve train valve covers and
then under the valve, the valve covers.

Speaker 5 (01:26:13):
It is very possible, It is very possible it was
abuse by the previous owner. This is the problem. We've
used car warranties. This is the problem right here. We've
nailed it. We've nailed it, because here's the problem. When
you nail the when you hit the nail on the
head every time, then you realize you have a problem

(01:26:36):
with extended warranties on used cars, namely this any problem
they can call pre existing and then you have to fight.

Speaker 13 (01:26:45):
Them, Tom. That hasn't happened in this case yet. It
sounds like what they want to do is dig into
the engine deeper before they determine whether or not it's covered.

Speaker 5 (01:26:54):
Okay, but once they do it, it's going to cost
him a lot of money to find out. That's the problem, to.

Speaker 13 (01:26:58):
The cost of the teardown. Now, the cost of the teardown.

Speaker 19 (01:27:03):
They want to tear it up.

Speaker 5 (01:27:05):
Yep, that's not bad.

Speaker 13 (01:27:07):
That's not bad at all. And if they do admit coverage,
then they will cover the cost of the teardown too,
so our caller will be all ready.

Speaker 20 (01:27:15):
Yeah.

Speaker 5 (01:27:16):
Once they so what they did, they tell you the teardown.
What is to determine if it's going to be covered
by warranty? Yes, and if it turns out that is
not covered by warranty, you're going to have to pay
to get it fixed. Right, So you understand buying a

(01:27:38):
used car, this is a possibility, and you have limitations
on the warranty.

Speaker 4 (01:27:43):
Right.

Speaker 5 (01:27:43):
You do understand that that it is possible you're going
to be out of pocket for all of this, right, right?
So what is your call about today? What do you
need us to do today?

Speaker 19 (01:27:56):
I was wondering. I thought that once once I buy
the warranty and everything that they take, they pretty much
are taking responsibility for anything that was pretty existingly.

Speaker 5 (01:28:09):
No the car. That's exactly what they don't cover. They
don't cover anything that's wrong with the car before you
owned it.

Speaker 7 (01:28:15):
That's the problem.

Speaker 5 (01:28:17):
Extended warranties are only good for new problems. See this.
I wish this call could be repeated every day because
people do this every single day. They buy extended warranties
on used cars, and they're not going to cover pre
existing conditions.

Speaker 7 (01:28:35):
Christian, It's just it's terrible.

Speaker 5 (01:28:37):
But no, they don't have to cover a pre existing condition.
The thing is, how are they going to tell if
it's pre existing. Well, they're going to say all of
that scoring. Wait, they're going to say all of that
scoring could not have happened in the short amount of
time he owned it.

Speaker 13 (01:28:51):
But he owned it for quite a while. Sixteen thousand miles.

Speaker 5 (01:28:55):
Sixteen thousand eights. He's only owned it for three months
or four months? Right?

Speaker 9 (01:29:00):
God?

Speaker 19 (01:29:01):
Six or seven?

Speaker 7 (01:29:02):
Six or seven months?

Speaker 5 (01:29:03):
Okay?

Speaker 13 (01:29:03):
Did you put sixteen thousand or sixteen hundred on it?

Speaker 5 (01:29:07):
Sixteen thousand, Yeah, So.

Speaker 13 (01:29:09):
That's a lot. It's hard to make the case for
a pre existing condition when the car operated just fine
for sixteen thousand miles. I think it's too soon for
our caller to push the panic button on this. I
would go through with a teardown.

Speaker 5 (01:29:22):
Yeah, for sure, you want to do a teardown, but
you want to get documentation when they do it. Planet Hyundai.
If they do it, they're a good Are they the
ones that are going to do it?

Speaker 16 (01:29:32):
Yes?

Speaker 5 (01:29:34):
Is it at Planet Hyundai right now?

Speaker 19 (01:29:37):
It is?

Speaker 5 (01:29:38):
Is it torn apart right now at all? Or can
you drive it if you want to take it somewhere else?

Speaker 19 (01:29:45):
I don't know if it's torn up or not, Well.

Speaker 13 (01:29:48):
Don't drive it with a scored cylinder wall. You have
to have a toad at this point, otherwise the insurance
company is.

Speaker 7 (01:29:53):
Going to say, what scores a cylinder wall?

Speaker 13 (01:29:56):
Oh, so it could be Well, most of the time,
it's lack of lubrication. So if there are oil passages
that have been clogged up, or if the cylinder had
been gasoline washed with a faulty injector, you will wash
the oil off the walls. So there are several very
serious reasons to cause scored cylinders. And that's and that's

(01:30:16):
the replacement engine condition.

Speaker 7 (01:30:18):
Okay, so here's the deal.

Speaker 5 (01:30:21):
All right, you need to go through with the inspection
no matter what Christian. But here's Christian's concern. His concern
is coverage to be good to it because he thought
they would cover pre existing conditions. You know, let me
just ask you straight up, Christian, what are you going
to do if they come back to you and say

(01:30:41):
this engine this was a pre existing condition.

Speaker 7 (01:30:44):
What are you going to do? Seriously, what are you
going to do at that?

Speaker 5 (01:30:49):
Because you know it's going to cost you seven or
eight thousand dollars to get that engine?

Speaker 7 (01:30:55):
Minimum?

Speaker 13 (01:30:55):
Right, minimum minimum? Now, Tom I still maintain that it's
difficult to call this a pre existing condition based on
the number of miles that our caller had put on
the car.

Speaker 5 (01:31:05):
Well, that's why he's going to need someone to gather
the evidence and fight for him.

Speaker 13 (01:31:10):
I would if Kevin would be a good research That's.

Speaker 5 (01:31:13):
Why I'd like to get it out of there. If
he could get it over to Kevin, I would have
another shop do the teardown and work with the warranty.

Speaker 13 (01:31:20):
It's a very short toe from Planet Honda in Golden
or Hondai.

Speaker 5 (01:31:25):
Chris, I want you to call shehare it an auto tech. Okay,
he's probably listening. I want you to talk to Kevin
the owner. Okay, here's what I want you to ask.
Tell him what's going on. Tell him that you may
need an engine and they want to determine if it's
a pre existing condition and you need someone to trust

(01:31:47):
to tear it down and look at it. I would
take I would have a tode over to his place.
I'm not telling you that Planet Hondai Hyundai would lie.
They won't lie about it, won't. But they're very, very expensive.
So you may want Planet Hyundaia if it's already torn

(01:32:08):
up to go ahead and inspect it, but you may
not want them to do the repair. You may want
to go to Kevin to get the repair done. But
you got to start thinking about worst case scenario and
I got to take a break. But your worst case
scenario is it's pre existing. Again, Deputy d says that
might be hard to prove, and they do have to
prove it. They can't just bark at you saying, oh,

(01:32:30):
it's a pre existing condition, so find out if they're
going to inspect it, then maybe what we can do
is get it over to Kevin after that. But again, Christian,
you're going to have a problem. I just want to
warn you about this. Preexisting is not going to be covered.

(01:32:50):
But they have to prove it. And that's where Kevin
could fight for you and say this is not pre existing,
this was just happened.

Speaker 7 (01:32:58):
And then they're going to say.

Speaker 5 (01:33:00):
The next thing they're going to go to after pre
existing is owner abuse. Okay, so there's two things. First
they're going to say it was pre existing. Then they say, okay,
it happened when you had it for sixteen thousand miles.
Now they're going to say it's owner abuse. You did
not change the oil. So do you have the receipts
for all your oil changes?

Speaker 19 (01:33:22):
Well, yes, I've already actually sent those over to them.

Speaker 5 (01:33:24):
Okay, good, because remember those are the two things they're
going to do to try to get out of this
pre existing condition. And then owner abuse or lack of
maintenance come.

Speaker 13 (01:33:34):
His only receipts are for oil purchases from Walmart.

Speaker 7 (01:33:38):
Well, I know, but well they go so far as
to accuse them.

Speaker 13 (01:33:40):
Kevin warned us about a month ago that he's now
had nine consecutive denials because the customer could only produce
purchase receipts but not oil change receipts. And Kevin said
he has zero percent success rate when the when the
auto warranty company brings that.

Speaker 5 (01:33:58):
Up, Christian, let's hope they don't bring that up. We
got to take this break. I'm Tom Martino. We've got
more coming up. Go with a sure thing Denver's Best
roofer Excel roofing dot com.

Speaker 18 (01:34:13):
You don't pay a.

Speaker 5 (01:34:13):
Cent until you're content, Wait time for an insurance check up,
free no obligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three all three seven 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

(01:34:35):
Remax Alliance three all three nine two zero sixteen twenty two.
Hi Tom Martino, you're a troubleshooter three all three seven
one three talk seven one three eight two five five.
So here's the bottom line. Christians call amplifies the problem

(01:34:57):
with extended warranties on used cars. Listen, I'm not telling
you they're totally useless, but they mostly are useless. Extended
warranties on used cars exclude owner abuse, which means lack
of maintenance, and they exclude pre existing conditions, and they're
going to go and try to prove that every single time.

Speaker 7 (01:35:16):
Every single time.

Speaker 5 (01:35:17):
That's as soon as you report a problem, they're going
to look for a reason not to cover it, not
to cover it. And the two things they go to
one owner abuse, in other words, you didn't properly maintain
the car, and on that degree they attack you for maintenance.

Speaker 7 (01:35:38):
And what Deputy d just told.

Speaker 5 (01:35:40):
Me is if you do your own oil changes, you're
out of luck because they're not going to just accept.

Speaker 13 (01:35:47):
A receipt for oil. Right, That's what Kevin told me.
He's had zero success rate trying to get those denials overturned.

Speaker 5 (01:35:55):
Okay. And the next thing, pre existing conditions. They want
to prove it was there before because they won't cover it.
So Christian thought, well, that's what a warranty covers. That's
why I got it. No, if that's exactly the opposite.
And people, if you listen to the Troubleshooter Show, you
would know that. And that's what we need. We need
more people listening and more people spreading the word. Speaking

(01:36:19):
of spreading the word, do you know it's a known
fact that after a holiday, or during a holiday, even
not just after during a holiday, you have people with
drain problems cooking and dumping and cutting vegetables and.

Speaker 7 (01:36:36):
Using the garbage disposal.

Speaker 5 (01:36:38):
That's okay for a healthy drain, but if you have
any problems at all, they're going to be exacerbated with
the holidays.

Speaker 7 (01:36:47):
Wouldn't you say?

Speaker 14 (01:36:48):
Yes?

Speaker 17 (01:36:48):
So, Tom, did you know there's actually this is specifically
the day after Thanksgiving?

Speaker 5 (01:36:53):
Oh my god, and I even had Thanksgiving Day. I
know you were in a data people, go ahead.

Speaker 17 (01:36:58):
Do you know there's actually a name for the day
after things are what is it called brown Friday?

Speaker 5 (01:37:03):
Oh, that's disgusting, it is, Deputy D. I think you
just threw up a little in your mouth. Again.

Speaker 13 (01:37:10):
I wish I'd taken today off brown Friday.

Speaker 5 (01:37:12):
Well, you know, sometimes the truth is ugly brown Friday.
That's funny actually, But after it just as that.

Speaker 7 (01:37:19):
The sumbing number.

Speaker 17 (01:37:20):
It's the number one day. We're getting calls like crazy.

Speaker 5 (01:37:23):
And this was and by the way, some of them
already had backups.

Speaker 17 (01:37:27):
Yes, but they didn't maybe they were putting it off.
They didn't realize it. But this is the weird thing
or the interesting thing. It was busier this year with
chaos the day after than it has ever been. So
we've put together a special yes.

Speaker 5 (01:37:41):
And and by the way, this is called a preemptive strike. Yes,
by the way, we have open lines for the first
time this morning at three O three seven one three
talks seven one three A two five five.

Speaker 7 (01:37:50):
So what is a preemptive strike?

Speaker 5 (01:37:52):
It means here, let me just I want to give
this because this is for sure. People think a slow
drain is going to go away, It'll never go It'll
only get worse. It will never ever, ever go away. Now,
that doesn't mean necessarily you have to you have to
redo your dreams. You have to put in new drains.
Although technically slow drains do indicate a problem, and you

(01:38:14):
do want to know what it is now, but it
happens to be slow growing roots and you can get
it snaked out every now and then. Okay, but if
you have to snake you're sewer once a year, then
it's too much. You need to replace it. You need
to replace it. But anyway, let's get back to it.
If you have a slow dream, or if you have
drains that aren't perfect, or you just want to do
a preemptive strike, you guys are going to snake the dream.

(01:38:36):
Hu snake the drain. You know, let me give it
a name.

Speaker 7 (01:38:39):
I have to tut how much preemptive strike.

Speaker 5 (01:38:42):
That's very preemptive strike. I like preemptive Okay, So it's
gonna be what ninety seven?

Speaker 17 (01:38:48):
And this is the main line drain clearing and the
reason why you want to do this one?

Speaker 7 (01:38:52):
Yeah, of course that's the main one.

Speaker 17 (01:38:54):
If that's the one that backs up, you are screwed, right.
It's going to affect the entire house. And this is
what we were seeing because it was across the board, kitchens, bathrooms.
So what you to do is get that clearing, and
it's the preemptive strike.

Speaker 13 (01:39:06):
You don't have to worry about it after.

Speaker 9 (01:39:07):
The holidays you will say, I mean it was just crazy.

Speaker 5 (01:39:10):
After Thanksgiving this year. Well, not only you could save
yourself from a serious backup here. So if you have
any so if you call a plumb line or book it,
it's the preemptive strike for your drain, for your main drain,
your main sewer line. And it is seven to zero
five two six thirty nine thirty nine ninety seven bucks.

(01:39:30):
That's cheap, folks man, ninety seven dollars and that includes
all that's all in. By the way, they're not going
to sneak up with a call charge on top of it, right.

Speaker 17 (01:39:38):
Correct, And if the fix at twenty four seven, we've
got you ninety seven bucks for this.

Speaker 5 (01:39:44):
Do the preventage. They can only do a certain number
of these.

Speaker 7 (01:39:49):
We're trying to get more, but right now they want
to limit.

Speaker 5 (01:39:51):
It to fifty. But if you listen before the holidays, yes,
but try to get in. Try to get in. You
don't have to have done today. They might be able
to do it today even but it's important that you
call during this special and tell them you want that
preemptive strike that drain cleaning for the main drain for

(01:40:12):
ninety seven bucks. It's if you have any kind of
issue whatsoever, get it done now.

Speaker 7 (01:40:19):
Especially with Christmas. That's the thing.

Speaker 5 (01:40:21):
It happens during holidays when you have guests, you have
a lot of people using your plumbing, and of course
you have cooking, which puts a big strain on cooking.

Speaker 7 (01:40:33):
And as a tip, by the way.

Speaker 5 (01:40:35):
Truly, truly, truly, garbage disposals are there to be used,
but not overused.

Speaker 7 (01:40:41):
I think sometimes people just.

Speaker 5 (01:40:43):
Overuse the damn things they really do, or they don't
even use them properly.

Speaker 7 (01:40:47):
You need to grind and flush a lot.

Speaker 5 (01:40:50):
You have to keep that water running before and after
you grind up food and stuff. It's amazing what they
find and drains. So if you want to get this
thing that they will, they will snake out and clean
and clear your main drain for ninety seven bucks to
get ready for the holidays. And this could prevent a

(01:41:13):
very expensive problem, a very expensive problem. So fix myhome
dot com book now, go for maintenance book now and
remember the thirty nine dollars Extreme Clean tune in check.
Do you understand what fix it does? They are all
about preventive, They're all about keeping systems running. That's why
the name says fix it, not replace it. The name

(01:41:35):
of it is not replace at twenty four to seven,
Let's fix it twenty four to seven. And they truly
do want to save you money. They go out with
this in mind. Can we fix it? And I'm going
to give you a real life example, a real life
example coming up.

Speaker 7 (01:41:51):
I'm Tom Martine. We have more right after this.

Speaker 5 (01:41:59):
Go with AUS your thing Denver's Best Roofer, Excel Roofing
dot com.

Speaker 18 (01:42:03):
You don't pay a cent until you're content.

Speaker 5 (01:42:08):
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. Hi Tom Martino here,

(01:42:35):
Welcome to the show. Okay, so listen, We got thirty
nine dollars for your extreme clean tone and check for
your furnace. And then we have the ninety seven dollars
preemptive strike for your sewer line. Get it done. As
we come to the end of this hour, we also
have another hour to go where we're going to talk
about your problems, questions and complaints and some of.

Speaker 7 (01:42:54):
The things I want to bring up.

Speaker 5 (01:42:56):
People were asking about yesterday's show with the bodycam footage.
By the way, Kashina, I would like you to send
me that body cam footage. I'm going to try to
put it up on our YouTube stream. Do you have
it that you can email it or is a link not?

Speaker 6 (01:43:11):
It is too large, that's why media. That's why it
had to actually.

Speaker 7 (01:43:17):
Be on a thumb drive.

Speaker 5 (01:43:18):
So, oh, wait a minute, so it is on a
thumb drive?

Speaker 8 (01:43:21):
Correct?

Speaker 5 (01:43:22):
Oh?

Speaker 7 (01:43:23):
How big is the damn file? Like Megan? Pretty Yeah,
it's pretty large.

Speaker 5 (01:43:28):
Oh I cannot go.

Speaker 13 (01:43:29):
I can pick it up tomorrow because I'll be at
the tech center on business Anyway.

Speaker 5 (01:43:33):
If you pick it up, what we can do is
play it next week.

Speaker 7 (01:43:37):
We can. I want to. I want to put it
up on our stream.

Speaker 5 (01:43:39):
Pick it up.

Speaker 13 (01:43:40):
Tomorrow and I'll hand it over to you on Monday
if that works for you.

Speaker 7 (01:43:43):
Yeah, yeah, yeah, We'll do it on Monday. If I
can get it done by Monday.

Speaker 5 (01:43:47):
What I want to do is cut a piece out because,
as I said, I want to go over this next
hour because I have the audio thanks to drag and
he parsed out the audio for us. And basically the
guy did anyone ever get through to him? By the way,
I think the guy was planning on going out of
business anyway, for God's sakes, based on what he said

(01:44:07):
and did in this case, people, you're not going to
believe it. You're just not going to believe it. He
literally said, you can ruin me if I'm lying, because
the tabe will show everything. Then you have to wonder
when people lie like that. Is there something wrong with him?
I mean, is he a little screwy, because it's crazy
that he would say something like that when he knew

(01:44:31):
we would check the bodycam footage.

Speaker 7 (01:44:34):
It's crazy. Anyway.

Speaker 5 (01:44:36):
We got more coming up on the Troubleshooter show stick
Around Don't forget Fix Myhome dot Com book now, either
the ninety seven dollars Preemptive Strike on your drain or
the thirty nine dollars Extreme clean, tune and check on
your furnace more coming up. Go with a sure thing
Denver's Best roofer Excel Roofing dot com.

Speaker 18 (01:44:57):
You don't pay a cent until you're content.

Speaker 5 (01:45:01):
Wait time for an insurance check up free no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three all three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

Speaker 1 (01:45:24):
Yeah, ripped of.

Speaker 2 (01:45:30):
News needed, that's who you don't have.

Speaker 1 (01:45:36):
Come run in just as fast as you can.

Speaker 2 (01:45:39):
Show Shooter's gonna help.

Speaker 4 (01:45:41):
Come Man six is the Troubleshooter Show Now Tom Martino.

Speaker 5 (01:45:48):
Hey, Tom Martino here, Welcome to the show. This hour
brought to you by Wave eight Wealth Management, my company
that I developed to help people individually and person. And
my pledge to you is this. My money is one
hundred percent invested in this company right alongside yours. So
I practice what I preach. If you need help with

(01:46:10):
your portfolio and you're tired of just having some big
firm do it with a middleman, give us a call
three h three seven seven one help seven seven one
four three five seven. I can show you in real numbers,
back testing our strategies, exactly what we're doing and what
it would have done for you compared to what you're

(01:46:30):
already doing.

Speaker 7 (01:46:31):
So just do a comparison, and it could be, just like.

Speaker 5 (01:46:35):
With our insurance check up, it could be that you
have a great deal going on. Keep it, that's the thing.
Keep it okay. We have fix It twenty four to
seven in the house. I'll tell you about their specials,
and then I want to go over this call from yesterday,
which I didn't I didn't hit enough. I got so
many emails or texts about it saying what happened with it?

(01:46:57):
What happened because they had heard about it. So I'm
going to go over that call. But fix It twenty
four to seven is doing this extreme clean tune in check.
A refurbishment of your furnace, A true refurbishment of that
furnace for thirty nine dollars.

Speaker 7 (01:47:12):
It's unheard of, you know.

Speaker 5 (01:47:13):
I even laugh when George says the normal price of
this would be around one hundred and thirty nine. That's
for fix It. That's not the normal price. The normal
price of this, if another company truly did what they did, would.

Speaker 7 (01:47:25):
Be six or seven hundred dollars. And I'm not kidding,
by the.

Speaker 5 (01:47:28):
Way, So I don't even like when George says the
normal price one hundred and thirty nine, because that to
me doesn't give the extraordinary value. It doesn't show the
extraordinary value. That's if fix It did it under their
normal price. But thirty nine, even one thirty nine is special.
So here's what you're gonna do. You're gonna see people
go to work on that furnace like you've never seen before.

(01:47:49):
Honest to god, it will blow your mind. For thirty
nine bucks. And as I said, most people spend that
in coffee. Then you want to do a preemptive strike
on a slow drain if you want to get your
drain cleared the main and this is for clear access
ninety seven bucks. If they have to pull a toilet,
there might be a slight up charge, but here's the
bottom line. If they can get through it through a
clean out, it's ninety seven dollars before the holiday, before

(01:48:12):
the holidays. We're still in the holidays right now. Let's
go to this call yesterday. So man, it's let me
get the actual names involved, Matthew and Anthony. Right, Matthew
is the consumer. I'm doing this by memory, but I'm
going to bring up the call and I'm going to
play it over my line here. Well, actually, Dragon has

(01:48:32):
it too, so Dragon, actually I can do it from here.
You can do it. It's what would you prefer, Dragon,
would you prefer to do it from the studio. I
don't have it up.

Speaker 13 (01:48:41):
It'll take me a minute.

Speaker 7 (01:48:42):
No, No, I'll get it.

Speaker 1 (01:48:43):
I have it.

Speaker 5 (01:48:44):
I just wondered if if it would matter to you. Okay,
So I'm gonna I'm going to tell you what happened.

Speaker 7 (01:48:49):
Here's what happened. These two guys.

Speaker 5 (01:48:54):
Kevin called, or excuse me, it was Matthew. It's Matthew.
I'm sorry, this is my age, Matthew. You called Anthony.
Matthew wanted to get his car wrapped. He said Anthony
did not order the right material, so he wanted to refund.
It was that easy, and Matthew had paid him one
thousand bucks. Matthew said, Hey, I want my thousand dollars

(01:49:19):
back and he agreed to do it. He was going
to take out the shipping, and he agreed to give
him the rest of the money eight hundred and fifty
dollars or something. Okay, So what happened was, Matthew said,
Anthony kept promising and promising, so he got sick and
tired of it, and he decided he was going to
visit Anthony at his house with deputies for a civil assist.

(01:49:44):
A civil assist is when you have deputies come along
so there's no fight or violence. So Matthew shows up
at Anthony's house. The deputies talked to Anthony and they
tell Matthew to hang out near his truck. So Matthew's
hanging out at his truck, Anthony's talking to the deputies.

Speaker 7 (01:50:05):
This is what Anthony told us.

Speaker 5 (01:50:07):
Anthony said, I then got the money and counted out
eight hundred and fifty dollars to the deputy, and she
took it over and gave it to Matthew. Therefore, Matthew
has been paid. Matthew said, I was never paid. There
was never any money given to that deputy. And then

(01:50:29):
somebody said, wait a minute, I think you might have
even said that bodycam footage would show that, and so
Matthew said, yeah, bodycam footage, and Anthony said yeah, bodycam
footage would show that I paid the money. And we
kept going over and over it, and they were diametrically opposed.
Matthew said, I was never given any money, and Anthony insisted.

(01:50:54):
He counted out the money in front of two bodycams,
not one bodycam, but two bodycams. There were two deputies there.
He handed the money to one of them, but both
of them observed him counting out the money, and then
they gave it to Matthew. So I said, Anthony, you
know we're gonna order this bodycam footage. And what did

(01:51:16):
he say? He said, that's pretty cool. Do it he
wanted me to.

Speaker 13 (01:51:19):
No, he said he's going to do it too. They
both at the conclusion of that call, they both promised
to rush over to Jefco Sheriff's office to order their
own bodycam footage.

Speaker 5 (01:51:28):
Just Anthony said this, here's one cut from Anthony, and
I'm hoping it'll come over our feed. I think it will.
Did that come across?

Speaker 13 (01:51:41):
It did not, but I've got it here now.

Speaker 5 (01:51:43):
Tom oh, oh, it did not come across. Okay, I
must not have a said, Okay, go ahead and play it.

Speaker 23 (01:51:47):
If it does it, I'm the liar, then you can
just ruin my whole business.

Speaker 5 (01:51:52):
Wow, we think about this guy.

Speaker 23 (01:51:54):
If I'm the liar, then just ruin and just say, hey,
this business is a scam. If I'm not the liar,
then you put him on glass and give me more business.
That's how it worked.

Speaker 5 (01:52:06):
So he said, that's it. If he's a liar, I
can ruin his business. I mean, I'm telling you that
the guy is freaking crazy. So and so I'm going
to ruin his business and I'll tell you why. Because
he is such a liar. You should not do business
with him. You absolutely should not do business with him.

(01:52:28):
And the guy is insisting that the money was given back.
And by the way, we've tried to call him to
get him back on the show. His name is Anthony
York with AMG Custom Vinyl. Anthony York AMG Custom Vinyl.

(01:52:48):
He was hired to do a Vinyl rap. Now here's
what's funny about this whole thing. Instead of Anthony saying
I gave the money back, Anthony could have said, I
don't give refunds on depot.

Speaker 7 (01:53:00):
I already ordered the material and I will.

Speaker 5 (01:53:03):
Do the rap, but I'm not giving them a refund.
I would have said, well, Matthew, sorry, he's not going
to give you a refund. It would have been a
business dispute. Right, It's okay. It actually would be okay
for Anthony to say, wait a minute, I ordered this material.
I'm willing to do your rap. I never promised you

(01:53:25):
three M. You don't have anything in writing. This says
three M. I'm not giving you a refund. But instead
of doing that, he chose another path. Anthony York of
AMG Custom Vinyl said, oh, I'll give the money back.
I'll just take out one hundred and forty bucks for

(01:53:46):
shipping because I have to ship the materials back to
the factory. That sounded very reasonable to all of us,
even Matthew, right.

Speaker 7 (01:53:56):
We thought that's pretty cool.

Speaker 5 (01:53:58):
You'd pay for the shipping of the material back to
the factory and Anthony will give you the rest of
the money. Now, if Anthony never made that promise, it
would have been dropped. But he promised. So Matthew went
over to get paid with these two deputies, and he
swears on the original phone call over and over and

(01:54:19):
over that he counted out the money and gave it
to the deputy. In fact, Kaschina, you also listened to
the audio did and in addition to seeing there was
no money there being counted, you actually heard Anthony say
something about the money. What did he actually say?

Speaker 6 (01:54:36):
He basically said he didn't have the money, and then
he alluded to some agreement that he had to basically
proffer some more time that Hen and Matthew had negotiated.

Speaker 5 (01:54:50):
And so he can be heard saying I don't have
the money. Correct, he can be heard saying I don't
have the money.

Speaker 6 (01:54:56):
Matthew says that he said, you know, see you in
quart or something like that. The audio is very very
tough to decipher, but you know I heard definitely that
he did not have the money. And then he went
back in his home, and then the deputies went back
out and had an additional conversation with Matthew.

Speaker 5 (01:55:16):
By the way, we do have a phone number for
Do you have the phone number in front of you there?
I tried to I had it.

Speaker 6 (01:55:23):
I will get it to you and I'll put it
up on the stope.

Speaker 5 (01:55:25):
Yeah, let's get that number, because I think people should
call Anthony and let him know what a scumbag he is.
I mean he said we could ruin his business, right,
I mean he did tell us that, And to me,
it's it's unfathomable that someone would actually lie through the
teeth like that on a radio show and then say

(01:55:48):
the footage will vindicate me.

Speaker 7 (01:55:51):
And I don't know what he thought.

Speaker 5 (01:55:52):
Did he think that the footage would be unreadable? Did
he think we wouldn't get the footage? And by the way,
he was supposed to order the bodycam footage too. He said,
oh yeah, I want it. It's going to vindicate me.
And basically nothing, and now we're hearing crickets from him.

Speaker 7 (01:56:11):
The guy is, like I said, he's crazy.

Speaker 5 (01:56:14):
Don't don't use him.

Speaker 7 (01:56:15):
I mean, I'm serious.

Speaker 5 (01:56:16):
Why would you use someone that openly lies like that,
absolutely lies? And you know what kind of businessman can
he be? Anthony York amg custom Vinyls. I definitely have
to put this on the sleeves brigade too, because of anyone.

Speaker 13 (01:56:33):
I have a number up for you.

Speaker 1 (01:56:34):
Tom by the.

Speaker 5 (01:56:36):
Way, good. I want to know something else. I want
to know something else, okay, Anthony York I want to
know does he have a picture of himself? Does video
show him at all. It does if you could get
a screenshot. I want to get a picture of him
for the Sleeze Brigade so we can put a Sleeze
Brigade up there.

Speaker 6 (01:56:55):
Because when Demitri gets the hard drive tomorrow, you can definitely.

Speaker 5 (01:56:59):
Do you know what I can do that. You're right,
I can't give me that hard drive. What we'll do
is we'll pull a still shot and I'll put it
up on Sleavesborgade dot.

Speaker 13 (01:57:08):
Com and Tom, you won't have to wait till Monday,
because I said, I just figured out I have a
way of getting it to you over the weekend.

Speaker 5 (01:57:14):
That's cool anyway. Anthony York at AMG Custom Vinyls is
seven to zero six six' five ninety seven oh.

Speaker 7 (01:57:24):
Five, people what do you get when you call over?

Speaker 5 (01:57:26):
There that's WHAT i want to, know BECAUSE i wanted
to know if he answers the? Phone is that his business?
Phone seven to zero six six' five ninety seven. Oh
five i'm going to take a break, YouTube morons would
you let me know what you get when you call?
That Number anthony york and Just, Say anthony i'm just

(01:57:49):
part of being ruining. Your business like, you said. We
could i'm going to put the number up. In Chat
That's anthony york seven to zero six six 'y five.

Speaker 7 (01:57:59):
Ninety seven.

Speaker 5 (01:57:59):
Oh okay we have more coming up On The, troubleshooter
SHOW and i want you to stay tuned. For more
and remember waterpros dot net a whole house. Water system listen,
to this a whole house system for twenty one ninety
five for filtering out forever chemicals and chlorine and all.

Speaker 7 (01:58:18):
Of that just twenty one ninety five for the.

Speaker 5 (01:58:20):
Entire house and that's waterpros dot NET three o three
eight six two five five.

Speaker 7 (01:58:25):
Five four.

Speaker 5 (01:58:31):
Go with a Sure thing denver's Best Roofer excel roofing.
Dot com you don't pay a cent until.

Speaker 18 (01:58:37):
You're content.

Speaker 5 (01:58:39):
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 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 we're all sixteen. Twenty Two Hi

(01:59:05):
tom martino here welcome to. The show book your preemptive
strike for your sewer line. Right now you don't have
to have it, done today but you can book it
fixmihome dot com book now ninety seven bucks, all in
except that they have to move. A toilet that's not a.
Big deal but if you have a cleanout they can get.

(01:59:28):
In there ninety seven dollars for your main line and
then thirty nine dollars for you, extreme clean tune. And
check and that's a couple hours at. Your house taking
your furnace apart to an extent you won't believe cleaning
every nook.

Speaker 7 (01:59:41):
And cranny and by, the way this is a.

Speaker 5 (01:59:43):
Serious note dirt and grime truly are the killers. Of
furnaces if, nothing else is going to extend the life of,
your furnace but it's also going to give you. More,
efficiency listen we have some. OTHER questions i want to
Get to hanna. RIGHT now i have somebody wants, to
well let me just get, to it and then we
have an Update On. Anthony york people have been calling

(02:00:07):
him since YESTERDAY At Amg custom vinyls.

Speaker 1 (02:00:11):
The liar.

Speaker 5 (02:00:13):
You know what's really FUNNY is i can't even call
him a thief, because truly he didn't even have to
give a refund if he didn't. Want to it's just
he turned it into a conflict where he just made himself.

Speaker 7 (02:00:23):
Look bad he didn't even.

Speaker 5 (02:00:24):
Have to he could have, JUST said i DON'T give
i don't give. Deposits back, You know i'm willing to
do your rap like it, Or not i'm not going
to give you your.

Speaker 7 (02:00:32):
Money back why didn't he just?

Speaker 5 (02:00:33):
Say that why did he make it so he promised
the money back and then lied about. It, Anyway, okay
hannah somebody we talked about the, knocks emissions you know
about those about the. New, appliances okay so they have
to come up with they have new emission standards for the,
water heaters, for furnaces for anything, gas powered new. Emission

(02:00:55):
standards so, you guys whatever you have at your warehouse
going to be allowed to sell in the. New year
but as soon as, they're gone the new prices are
going to be. Much higher, so seriously you guys need
to need to hit on that. Big time so if
someone's water heater is on, the brink for someone's furnaces on,

(02:01:18):
the brink you really need they really need to do
something because didn't one of our people say it could
be as much as sixty.

Speaker 13 (02:01:27):
Percent, increase yeah THE idea I got tom was between
forty and sixty, percent increase just in the costs of the.
Equipment itself can you check with your guys to see what?

Speaker 5 (02:01:36):
They're expecting are they reaching out as soon as we're? Done,
here yeah and then what we ought to do is
maybe do, Some, clearance yeah some clearance sales on the
on the to PREEMPT the NOx. Emission, Standards OKAY so
i asked people to call the Number For anthony york
seven to zero six six five ninety seven, oh five you,

(02:01:57):
Know anyway so?

Speaker 7 (02:01:58):
What happened what?

Speaker 5 (02:02:00):
Are?

Speaker 7 (02:02:00):
You two warrens?

Speaker 5 (02:02:01):
Did it you? Did it what did you? Find? Out
kachina so? Not shocking the number has now. Been, disconnected,
Okay okay so, this guy do you think he was
going out of? Business anyway maybe moving. Or something he
just wanted to have some fun with the show.

Speaker 4 (02:02:21):
Or.

Speaker 6 (02:02:21):
WHAT no i actually think that he thought that we
would never actually get the Footage real that's TRULY what.
I think and he probably has another number.

Speaker 5 (02:02:33):
By, now yeah that's why we need to IS It
AMG custom i don't want to give out the. Wrong
name THERE'S An Amg. CUSTOM solutions i don't think. It's
that it's NOT that i looked at.

Speaker 13 (02:02:45):
THAT Yesterday Mg.

Speaker 5 (02:02:46):
CUSTOM vinyl i can't even find. Him online gene you.

Speaker 13 (02:02:50):
Can't either i've been looking for a Long.

Speaker 7 (02:02:52):
Time Custom Vinyl.

Speaker 24 (02:02:53):
Denver well guy was working out of his home and
when he gave us a, business address it was quite literally.
A CART so i don't think he's Ashamed, about.

Speaker 5 (02:03:03):
Okay HOLD, on AI Says Amg custom vinyl offers a
range of options from full vehicle wraps for a complete
for a complete color finish change like, satin black vibrant
colors to smaller decals, or logos, break calipers windshield banners
or spoilers using brands LIKE three M Avery ors oracle

(02:03:31):
for personalized styling.

Speaker 7 (02:03:32):
Paint protection so this, was uh this IS.

Speaker 5 (02:03:36):
In ai if you look Up, under gemini if you
look It is, Gemini right Yeah?

Speaker 7 (02:03:42):
For google Is that?

Speaker 5 (02:03:43):
Gemini anyway and it says, full, wraps decals let, me
see it gives, the number personalize you're UNIQUE.

Speaker 7 (02:03:50):
With amg, and uh.

Speaker 5 (02:03:53):
He's even got some stuff Posted on Facebook, and instagram.

Speaker 1 (02:04:00):
So he was.

Speaker 5 (02:04:00):
QUITE active i wonder if he just gave it up
over a thousand DOLLARS like, i said he could keep
the money if he just, SAID, SO, amg amg there.

Speaker 7 (02:04:11):
He is somebody's THERE.

Speaker 5 (02:04:13):
With amg i'm looking at on the videos and it
looks to me like he doesn't actually have, a website
but He. Has instagram i'm looking for. CAN you i
can't find, any now, YOU. Know amg he probably picked
those letters because Of the mercedes, custom shop, YOU. Know
AMG but i can't find HIS Website Amg. Custom VINYLS

(02:04:39):
all i see is something here on. The internet when,
YOU search ai gives you a bunch of. False information
let's see what the link. Goes to the link goes
To wer it goes to. A, website people if you find,
out anything let, us, know okay especially a picture of.
THIS clown i have no idea what he. Looks Like

(02:05:01):
but i'm going to get the picture off the video.
Too tomorrow, In fact i'm going into the station TOMORROW
so i can pick it up there the thumb drive,
and uh it'll. Be Fun what i'm gonna do is
take his picture off, of there put him on. The
sleeves brigade to keep reminding people. About him three zero
three seven one three talk seven one three eight two.

(02:05:22):
Five five somebody wants to know if the IF the
NOx emissions will. AFFECT boilers i don't know the answer.
To that if a boiler is, gas fired. It would anything,
gas fired right is going to be is going to.
Be affected so if you have a if you need

(02:05:44):
to replace anything that's, gas fired it's going to be
very very expensive unless the supplier or the service company
Like fix it twenty four, to seven unless they have them.
In stock they're allowed to sell existing but once that stock,
is gone they are not allowed to make new ones

(02:06:05):
or order, new ones and therefore the price increase will.
Be felt so if you get a water heater under the,
new law it's going to be thirty forty in some
cases fifty percent more depending on.

Speaker 7 (02:06:18):
The Manufacturer, all right we have more coming up On The.

Speaker 5 (02:06:20):
Troubleshooter SHOW three o three seven to one. Three talk
we have a half. Hour left give us. A call
three oh three seven ONE three a two.

Speaker 13 (02:06:28):
Five five.

Speaker 5 (02:06:35):
Go with a Sure Thing Denver's Best Roofer excel roofing.
Dot com you don't pay a cent until. You're content
time for an insurance check, up free. No obligation, in
Comparison Call compass insurance paying too much your coverage at
dozens of insurance companies find out now three oh three
seven seven. To. One help you'll think you're his only

(02:06:57):
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,
Archino here welcome to. The, Show, okay david you have
a comment on. Water heaters, Go. Ahead david what's?

Speaker 21 (02:07:18):
Going, on YEAH so i was at home depot earlier
in the WEEK and i was checking the, you know
their twelve Year warranty ream hot. Water tank they are
on sale right now because the, gentleman, says yeah we
got to get rid of these ones because the new
ones are coming in and they were on sale for seven.
Sixty nine and, he, goes well let's look at see

(02:07:41):
what the new ones are and it says NOx Rated,
FOR california I, Mean, california Utah, and, colorado right and
those Ones starting january first are one thousand and.

Speaker 8 (02:07:53):
Thirty.

Speaker 21 (02:07:53):
Dollars wow so you know you're you're looking.

Speaker 22 (02:07:57):
At, wow basically. You, know yeah the difference between the
ones you can buy now till the first of, the
year and after that they're three hundred dollars more just
for the cost of the unit for a twelve. Year
warranty Rene hot water here.

Speaker 7 (02:08:18):
And that's that's in a big.

Speaker 5 (02:08:20):
Box store so. That's weird his bluetooth. Screwing up it's
feeding back, On us thank you, Very. Much, David so
david is uh solidifying what, we said and that is
that costs are going to be much much more coming
up after The, first again after the, first though they
are allowed to sell, existing inventory so at least. That

(02:08:41):
helps they can sell, existing inventory so if they have
some water, heaters left they can sell them at the.
Old prices But the knox, rated appliances and he named three, States, Only,
california Utah.

Speaker 13 (02:08:55):
And, colorado yeah they're all kind of in Cahoots. With.

Speaker 5 (02:08:58):
California, Disappointing well california leads, the, Way.

Speaker 13 (02:09:03):
Well colorado seems to lead the way. That, Too unfortunately
colorado Just.

Speaker 7 (02:09:07):
Follows, california YEAH.

Speaker 12 (02:09:10):
And i can attest. To this in addition to the,
higher price the water heaters are going to be, significantly,
thicker wider so it's gonna be difficult to put these
water heaters in like tight. Closet spaces.

Speaker 5 (02:09:25):
That's right are they going to be wider because of
the insulation they have.

Speaker 12 (02:09:28):
To have they're either GOING to i haven't. Seen one
they're either going to be a lot wider or a.
Lot TALLER the anux is basically A small. CADILLAC converter
i believe they install IN the flu system to convert,
the gas just like On a cadillac converter on. Your
car that's what, they're doing and that's why it's so
expensive because a catilla they're using a catalytic.

Speaker 5 (02:09:48):
Converter technology by, the way this is a season where
there's a lot of. Identity THEFT but i was reading
and looked. INTO this i didn't Know Why Social secure
curity was. Offering This social security is now Offering A
social security number lock like you get a. Credit FREEZE

(02:10:10):
but i don't even understand why and how. That works
but they said that what it does is triggers. Your
number for anyone else that tries to use, it anywhere
it'll strike. An alert that's pretty cool because there are
people that randomly sometimes can pick your number or they
just pick a number from a sequence, of numbers and

(02:10:31):
yours could be one. Of them so it's supposed to
cut down on, identity THEFT and i wondered, why though
what do? They do like when you open a, Credit
card it's not like they Go To Social security administration
and ask FOR your, i mean they don't go in
and check your social. Security account but it says Here

(02:10:54):
The Social security administration offers My social security count, extra
security or it's CALLED an e. Services block what that
means is no one can access anything to do with
Your social, security number not even publicly available information no

(02:11:16):
longer will. Be available so and then if thieves identity
thieves try to set up A social, security account it
redirects them and will not allow them to. Do it
so even if you do it mistakingly and you don't
know how to, unlock.

Speaker 7 (02:11:33):
It then you can't get.

Speaker 5 (02:11:34):
Through either so a lot does not prevent, the fraud
but it does for that you need a. Credit freeze
but it does stop people getting any access or inquiries
about your benefits or about Your social, security number because
before this all they needed was, your number and if

(02:11:55):
they could get into, your email they could have a
lot of information. On you this puts an extra layer
of protection With The Social.

Speaker 7 (02:12:02):
Security administration so.

Speaker 5 (02:12:04):
How do you? Lock it there is actually you have
to have an online Account For social security and you
go on there and you put you you initiate. A
lock there's also a phone number they give out that you,
can DO but i doubt it because you'd be hours
on the phone. With them but it's A social security. Data,
Lock well i'll give out the number for those who

(02:12:25):
want to you can, contact them and it's from eight,
to seven eight in the morning to seven. At night here's, The,
number okay eight hundred seven seven to two, twelve thirteen
so it's easy, To REMEMBER like i never try calling
because it's always an. Ungodly wait but if you want,
a Call it's Monday through friday from eight in the

(02:12:46):
morning till seven in. The evening that's eight hundred seven
seven to two. Twelve thirteen eight hundred seven seven to two.
Twelve thirteen and That's The Social security administration to lock
your to lock, your number but again that's up to

(02:13:09):
you if you want to. Do that they say it
will cut down on. Identity theft i'm not fully clear
how they, do it but apparently people can use your
number to gain access to, your account and this will.
Stop that it also stops people from using your number
on other applications and, in jobs because as soon as

(02:13:32):
that number is, entered anywhere it triggers you that, your
number that somebody is attempting to use. Your number so
it's not. ALTOGETHER bad i guess three oh three seven
one three talk is. Our number we have a few,
minutes left well more than. A few we can get your.
Call in give us a call or call three H, Three,
martino adam let me let me take your, call quick
make it so you don't have. To wait. Go ahead

(02:13:53):
what is, Your?

Speaker 7 (02:13:54):
Question adam just a.

Speaker 14 (02:13:56):
QUICK question i was just wondering if if some whoever
stole my identity whatever stuff, they bought else, a car
whatever it, might BE do i actually have to go
to court to fight for that or is that SOMETHING
that i can just claim right off?

Speaker 5 (02:14:10):
The, bat now what do, You, mean oh if someone
does it in, your name do you?

Speaker 7 (02:14:14):
Own?

Speaker 1 (02:14:14):
It?

Speaker 7 (02:14:15):
Correct yeah, YOU know i never even thought.

Speaker 5 (02:14:18):
Of that imagine that if somebody used your identity to, buy, Something,
technically adam you would. Own it like let's say they. Paid, cash, well.

Speaker 7 (02:14:26):
No they wouldn't use. Your credit they wouldn't use it
if they.

Speaker 14 (02:14:28):
PAID cash, i mean it doesn't it doesn't really matter
if they put it under. My name they can they
can put a car under their name and make the payments.
On it, SO yeah i went to. THE bank i
went to the bank and try to get, another account
and they told ME that i couldn't use my social
security because they came out under somebody. Else's name, All, right.

Speaker 5 (02:14:48):
No really that happened? Right now someone is using Your social? Security, number.

Speaker 14 (02:14:54):
YES sir i wonder if.

Speaker 5 (02:14:56):
YOU can, I wonder i wonder what happens if you
go to put a lock on, your account Your social,
security number and someone else is?

Speaker 7 (02:15:04):
Using it how do you prove you're the?

Speaker 5 (02:15:06):
Rightful?

Speaker 14 (02:15:06):
One exactly that's my other point is HOW.

Speaker 5 (02:15:10):
Do, i actually actually that's a. GOOD question i don't
know how you would prove you're the. RIGHTFUL one i
got to. RESEARCH that, i mean if, SOMEONE else, i
mean if someone else is using it now before you.

Speaker 7 (02:15:21):
Lock it.

Speaker 5 (02:15:23):
But but you're living proof that someone is using Your social?

Speaker 7 (02:15:28):
Security number.

Speaker 5 (02:15:31):
Do they try to get? Your benefit how does? That
work when they use your what are? They do you
know what? They're using it is it for? A job
did they let?

Speaker 14 (02:15:38):
YOU know, i honestly they didn't. Tell me they just
told me that The social security NUMBER that i gave
them that it had three other names as well as
my name. On there they're completely, different names not even
close to. My name.

Speaker 7 (02:15:55):
Three different people are using.

Speaker 14 (02:15:57):
Your, number yeah well it could be the one person
using the three. Different identities but THAT'S what i was
told at. The, bank YEAH and i give the. THREE
names i was given the. Three names they wouldn't let
me take. The paperwork they TOLD me i can take
pictures of. The, paperwork UH and i would have. To
go but that social security cop was born Here in

(02:16:19):
denby In The. United States i've i've had that. Since,
BIRTH so, i mean there's no doubt in my mind that,
it's mine.

Speaker 7 (02:16:26):
You know, YEAH again i never thought.

Speaker 5 (02:16:30):
Of that on how you prove? IT'S your, i mean
how do you prove who's the rightful owner of That social?

Speaker 7 (02:16:35):
SECURITY number, I mean i don't even know how you would.

Speaker 5 (02:16:38):
DO that i got to take. This break we got
more coming up On The troubleshooter show three oh three seven,
to one, three eight two, Five five go with A
Sure Thing denvers Best roofer excel roofing.

Speaker 7 (02:16:49):
Dot com you.

Speaker 5 (02:16:49):
Don't pay a cent until. You're content time for an
insurance check, up free. No obligation, in Comparison Call compass
insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven.

Speaker 1 (02:17:05):
To.

Speaker 5 (02:17:05):
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.

Speaker 7 (02:17:14):
Twenty Two.

Speaker 5 (02:17:19):
Hey, tom martino you're a TROUBLESHOOTER three o three seven
one three talk seven one three eight two. FIVE five
I assume adam doesn't have any, more, questions right let
me know if.

Speaker 7 (02:17:28):
He does but in, any case when, you're shopping you
need to.

Speaker 5 (02:17:33):
Know this this is really important because it was a
survey done by this place called checkbook. Dot, org okay
they went out and actually checked stores all over the
country on who is misleading when it comes. To sales in,
other words when they say forty, percent off thirty, percent

(02:17:56):
off sixty, percent. Off whatever they found the. Biggest offenders
do you know who? They are bass? Bro shops bass
bro bro shops where you, Go Now Bass, pro Shops,
Foot Locker, michael's Wayfair, bed bath and beyond are they?

(02:18:17):
Sleeving around and beyond They Got, Nuke, Gap, NORDSTROM DIX.

Speaker 7 (02:18:24):
J c Penny And.

Speaker 5 (02:18:25):
OLD navy i don't even think are there EVEN.

Speaker 7 (02:18:27):
J c Pennies Or old.

Speaker 5 (02:18:28):
Navy anyway then they said this this was just sent
to me as as for. This fall are excumeing for,
This winter and they said there are often misleading Sales,
on Amazon, Best Buy, Home, Depot, Cole's, Lowe's, Macy's, staples
Target And. Williams sonoma then they then they said you

(02:18:51):
can also find uh mis marked Sales At banana Republic And.
Lulu lemon they found three retailers that almost never mislead
people when it comes to. Their sales They, Are apple Costco.

(02:19:12):
And dell that you can almost that if they say
this's twenty five percent off the, regular price. It is
but they said on the, other ones you absolutely have.
TO check i don't even know how to check what
the regular. Price is to be honest, WITH you i
have no idea whether it is. Or not another thing
that you need, to know this is the time of

(02:19:33):
year you. Do this there are interest zero interest transfers
to cards that are now doing not just, a year
they're doing fifteen and, sixteen months which means if you,
transfer over you will not have any interest for the
entire year of twenty.

Speaker 7 (02:19:53):
Twenty six think.

Speaker 5 (02:19:55):
About that capital one, ventured rewards credit limit are credit
card doing one and they give you fifteen months fifteen
months with. Zero percent. That's incredible by, the way that's the.
Entire year you have to work down. Your balances that's the.
Number one the other one is Something Called City Bank Diamond.

(02:20:16):
Preferred Card City Bank Diamond. Preferred card Bank of america
is the. Next one these are fifteen months with, no
interest so that'll be all of. Next, year, okay folks
we'll see. You tomorrow don't forget three Zero three martino,
for help information.

Speaker 7 (02:20:34):
And referrals