The Troubleshooter 4-8-24

Episode Transcript

(00:00):
Yeah, rip D news needed by, so you don't have come running sious
as fast as we can. Shooter'sgonna help coming. Man Dix is the

(00:20):
Troubleshooter Show. No Tom Martino,Hi, Tom Martino here, Welcome to
the show. Three O three sevenone three talk three oh three seven one
three eight two five five. Hereto help you solve your problems, answer
your questions, take your complaints,and make your life just a little easier

(00:41):
as I've been doing for forty fiveyears. Here, so welcome. We
have Mike Wink with us from Winkand Wink. Long time No see who
Actually I see him at the gymand Mike is a bankruptcy attorney. There
was a time that Mike was onevery other day because bankruptcy was so so
plentiful, you know from I thinkwhat my two thousand and eight to twenty

(01:07):
twelve, and then again in themid teens and what is it doing right
now? Yeah? Yeah, thosewere the salad days back then. But
you know, I thought COVID wouldbe a boon for debt relief, but
all the stimulus really actually people wereable to pay down debts. So it's
now coming back to kind of whereit was in around twenty nineteen, so

(01:30):
it's more of a regular level ofdebt relief. And you know, within
that, I'd say a small businessis the one area where we see maybe
a spike that some of the effectsof COVID are starting to catch up with
a lot of those small business owners. And the SBA loans that people took
out, like a lot of restaurantsare all businesses. A lot of businesses,
restaurants, contractors, I mean,auto repair, all kinds of stuff.

(01:56):
But the reality was that you know, business kind of tanked and people
took out loans to get through,and they probably couldn't have serviced those loans
even before, and so now it'sjust you know, coming to the end
of their rope. We're seeing alot of that. Now, let's talk
about bankruptcy. I just want totalk about this. Every time I talk
about it, I get all kindsof mixed emails and texts. By the

(02:20):
way, you can text the showfive seven, seven thirty nine. Let
me just put it out there.Okay, here's my disclaimer. I mean,
no one wants to see anyone doa bankruptcy, and people say the
stupidest thing I think I have everheard in my life is that bankruptcy costs
all of us. Now, I'mnot trust me. I'm not talking about

(02:42):
liars and cheets and ripoffs who getmoney knowing they're going out of business and
then go out of business and thentry to cheat the system. We're not
talking about that. Let's talk aboutlegit bankruptcy. Why why was there a
bankruptcy law to begin with? Whyis there? People say bankruptcy hurts the
economy. I'm going to make theargument that legit bankruptcies, when done properly

(03:08):
and for the right reason, helpedthe economy. And I'm going to go
back to Spock on Star Trek.One time, Spock on Star Trek said,
when the many helped the few,or the few help the many?
And I'm gonna I'm gonna tell youwhat I mean. When someone is in
debt and they're working their ass offfor the few because they got into debt.

(03:34):
Sometimes they were stupid, sometimes medicalbills sometimes whatever. We've all seen
that happen. Where you get debt. Okay, Now, when one person
or two people, a small groupof people, let's call them debtors,
are in servitude to creditors, asmall group of creditors, that money is

(03:57):
no longer circulating in the economy.I'm talking about economics. Now, I'm
not talking about morality, I'm nottalking about your opinion. I'm talking about
economic facts. So when you havemany, many dollars going to a few
creditors, it is the government atone time saw that this was folly and
that theoretically these people could be inthat servitude for fifty or sixty years and

(04:24):
basically their lives. So you're takingpeople out of the economy. Another thing
was if somebody swung for the inbaseball, they swing for the fences for
the home runs, and they gointo business thinking they're going to do great
things and they intend to and theydon't do they deserve a life sentence.
So the point was the government said, what we should do is mimic.

(04:48):
Basically, whether you like this ornot, this is what happened. They
mimic the jubilee laws from the Bible. That's what bankruptcy laws mimic, meaning
that they took it from slaves backin Biblical days were freed at a certain
time. I believe this every sevenyears, and or the were forgiven in

(05:10):
every forty nine years. They werefleed from savory. But whatever in case,
it went back and people thought,if we give people a fresh start,
now those dollars that were limited toa small group of people can now
go back into circulation. They canstart buying cars again, they can start
buying food, they can start buyinggoing to restaurants and being real people again.

(05:33):
Now, does that mean it's agood thing that these people lost and
did not pay. No, Butit's a reality. And so what they
saw was that if done properly.Now again, that's why we have trustees
and laws. I'm talking about properlyexecuted bankruptcies, when done properly, was

(05:55):
a stimulus to the economy, nota not a roadblock, not a hindrance.
It didn't raise taxes. But Mike, again, I'm not defending bankruptcy
because bankruptcy is what it is.It's a reality, and the government did
it for a reason. But don'tyou hear a lot of stupid things about

(06:17):
bankruptcy. Now, now we're againwe're not talking about liars, cheats and
ripoffs. Ever, We're talking aboutpeople who have just gotten themselves in a
pinch. Do you hear a lotof stupid things? Ever? At a
cocktail party. When you talk aboutbeing a bankruptcy attorney, so many,
so many, and I think thebiggest is the impact on credit, right,

(06:39):
which is a very real thing.Right, It does impact your credit
negatively, But people have this viewthat you know, I'm dead forever and
you are not. And you know, within a couple of years, two
to three years from filing bankruptcy,you can have a seven hundred credit score
and be eligible for a mortgage.And for many people in debt, that
is the fastest path to rehabilitating creditthat exists. Now, I want to

(07:00):
mention, do you hear stupid thingsthough about how it hurts peep, how
it hurts the taxpayer, or howit hurts the government, or how it
hurts business. Absolutely absolutely, andyour I thought your little preamble there was
perfect. You hit all of thepoints right. The fresh start let someone
get back into the economy so thatthey can contribute to demand, right and
rather than rather than pay back debt. And it also, as you said,

(07:25):
enables and encourages entrepreneurial risk, whichis an also an engine of growth
in the economy. So I agree. I think that that those parents are
about engineered bankruptcies. Mike, Iknow that if you saw someone come in
and say, wink wink, OhGod, no top pun intended. But
Mike, listen, man, youknow I got these this money, I'm

(07:47):
gathering this money, and I justwant to I want to ace out of
here. I want to get awaywith it. I mean, no,
how many, truly, Mike,and beat beat beat, be very straight
in all of your years, howmany clients we're trying to get over on
somebody? I mean, probably some, but what person I'm going to say
one percent or less? And Iwould go even beyond my clients. Right,

(08:11):
Let's say I've done thousands and thousandsof free consultations, and it's so
rare that I meet someone and Ihave met them where you kind of wonder
how long they've been gaming this andplanning this, and and you can't trust
them. And I don't take thosecases to the extent I can see it,
sure, you know, because Idon't need well, I don't need
to and I don't want to.I mean, you know, I got
in this to help people, notfacilitate fraud or right exactly exactly. So

(08:37):
anyway, I appreciate that if anyonehas discussions on creditors, debt, settlement,
bankruptcy. Let's talk about it openlyand honestly. I've known Mike for
many, many years and the WinkLaw firm, so really and truly we
have a it's a tool, right, it's a tool. And also we

(09:00):
can talk about ways to increase andhelp credit. And also Jack your turn,
real quick, let's start with you, Jack. What's going on?
Hello? Jack? Yes, sirJack, Jack, apparently we just lost
some Let me try to get himback. Okay, that's okay. Three

(09:22):
h three seven one three talk Naomi. Let's start with you. What's going
on? Naomi? Hi, Tom, thank you for taking my call.
I'm disabled and there's something is goingon with my car and I don't really
know what it is. And well, tell me about your car. What
is it? It's a twenty thirteenDodge Journey. How long have you had

(09:50):
it? Oh, gosh, webought it. I'd say mid February of
twenty nineteen, something like that.Okay, Now, what are the So
when you say you're having problems,are we talking about the way it's acting.
Yeah, just kind of like theway it's a driving. How many

(10:11):
miles on it when I come?Oh? Let's say one hundred nineteen thousand,
eighteen. Have you ever had troublebefore? No, not really,
it's she's run like a dream.I want you to hold on. We're
going to get one of our expertson after the break. I want to

(10:33):
do that. And by the way, today is a CLIPS day now.
I went to the last eclipse,I believe it was twenty seventeen. It
was pretty damn cool, and Ireally wanted to go this year. Things
did not work out, and theweather did not is not cooperating either along
the route nor in the area Iwanted to go because I didn't want to

(10:56):
fly all away, you know,to the Midwest, I mean way over
to the east. Even so,it didn't work out, but I imagine
there's gonna be a lot going ontoday with the eclipse. We got more
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(11:39):
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(12:01):
home with Remax Alliance three oh threenine two zero sixteen twenty two. Hey,
I'm Tom Artine, Welcome to theshow. Three oh three seven one
three talks seven one three eight twofive five one. Clear Choice Garage Doors
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(12:24):
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if you need it for emergencies oneClear Choice Doors dot com. Hey Jack

(12:48):
is back Jack? What's going on? You got and I'm going to bring
up I want to get one ofour experts, Kachina for this Dodge journey
for Naomi, like we promised,Let's try to get Kevin or or let's
get whoever we can get Jess.Maybe we can get Romando. He hasn't
been on yet. Jack what's goingon? Ahead? Tom? How'd you

(13:13):
doing? What's happening? Man?So that's a year ago. First of
all, the sud prefaces, we'resaying that I had an illness. I'm
in roommission. What kind of illness? Jackie? I haven't called the rectal
cancer? Matt K How are youdoing? I'm fine? Now? When

(13:39):
did you have that illness? Well? I was let's say I was diagnosed
in September of twenty eighteen, soI went through four months, it came
out, and then six weeks iradiation. Was it stage four? It was

(14:01):
actually stage three? How are youdoing? You're doing okay? I'm doing
all right. The problem is thatI don't I don't know what do you
have any experienced through as chemo orhave talked to people that have taken came
out, But you have to basicallyrebuild your personality or the way you're right,

(14:28):
the way you do things. Ittakes well, it does you know
what if Jack? It does takea toll on people, and depending on
the chemo, it has different effectson different people. So for you,
is that what we're talking about now? Where it because you had an issue
with a contractor? But I thinkyou're trying to make a case that you
were doing something with a contractor andyou were kind of diminished capacity exactly.

(14:54):
So one year ago, what happened? You hired a contractor? I hired
Patrick's Silva. Ko'spatrick's Silva. Heis five Star Restoration and Construction up here
in Fort Cones. Okay, Sohere's what I want to know, far,
Why did you hire them? Whathappened? I have a jacuzzi that

(15:22):
I bought from a couple in Levelandssome years ago. But did you do
I just need to know this insteadof the whole story about the jacuzzie.
Did you hire five star for arestoration or for an elective construction? It
was a restoration of them upstairs bathroomof that chacuzzi. Okay, that's what

(15:46):
I mean. You didn't have likea fire or a flood or anything like
that nop okay. So you hiredhim to put the jacuzzi tub in the
upstairs bath? Yep, okay,So what what went wrong? I never
heard a word from multiple phone calls. Paid. Wait a minute, did
you pay anything up front? Yep? Got I paid half? I paid

(16:11):
twenty four man? You paid howmuch? Twenty four hundreds? What was
the promise? What was the promise? Promise? Promise? Well, we
agreed that he wouldn't stall it plummet, but a new switch I don't know,

(16:34):
you know, the whatever it's calledto turn on the shower in the
bath, as well as why didyou pay twenty four hundred upfront? That
was the deal he needed? Well, that's the deal that you made.

(16:55):
But I want to tell people thatis never the deal. I mean,
that is a deal for a lotof people, but that's never There's no
reason ever ever to pay half upfront. What it means is a contractor doesn't
have credit or a wherewithal to orderequipment. They also don't know how to
put liens on houses, so theydon't know what they're doing because they're afraid

(17:18):
if you don't pay, what arethey going to do? So they want
to collect twenty four hundred, andunfortunately, many times when these clowns played
twenty four hundred, they're already indebt to someone else that they took money
from and did not finish. Soyou paid half upfront, and that's the
simple story. You paid half upfronttwenty four hundred bucks and got nothing in

(17:41):
return. Is that true? That'scorrect? Okay? Do you have the
proper contact information for this guy?Does he ever return a call, an
email, or anything? And inmy research, I've found multiple people that

(18:03):
he's ripped off. Okay, multfulpeople that he's ripped off. You know,
twenty four hundred dollars is not afortune to me. Yeah, but
listen, under the Contractor's Trust Act, this guy needs to be prosecuted.

(18:26):
Do you have real victims that hehas ripped off? I have. What
I have are reviews from other peoplelike me who have been ripped off to
the tune of sixteen thousand dollars.I can't know that we could actually listen
find these people. You have anumber for this guy? Yep? What's

(18:52):
his number? His number is nineseven zero four to one three one four
five eight. Let me make sureI got that nine seven zero four one
three fourteen fifty eight. Is thathis cell phone? No? I do
when you call? What do youget? Good man answering machine at the

(19:17):
left of the message? This morningnationally And you've not heard from him since
you paid him last year? Ihave heard. Have you tried doing small
claims court? I have not,But that's going to be the next step
after talking. That's it needs tobe. But I want someone to call

(19:37):
him as well. Who do wehave in today? Said, I'm in
studio Tom docs here. You wantto make a quick call seven zero fourth
R one three fourteen fifty eight andtalk to Patrick Silva see what he has
to say. Let's you try todo it right during the show and let's
see what he has to say.Three seven on three talks seven one three

(20:00):
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Okay, now we left off withJack. Were you able to get through

(21:37):
Deputy Doc? He's working on itnow, Tom, all right, Now
we'll go back to Naomi. Wedon't have our car person on though,
do we never mind? Are weunable to get someone? I'm trying to
get Kevin? I try to getour case, but they're not. So
I'm getting Keaven right now. No, that's okay, okay, cool,

(21:59):
Then let's go to bron He hasa he was working with Deputy Dollar on
something that happened last week. Brianuh Phillis and Brian, while I'm looking
for your original call, go ahead, Hey sure, Tom. Yeah,
So a few show spring break,we were up at Breckenridge and after we

(22:19):
left the resort. Was this acondo you were renting? It was as
a resort, so we were rentingit through a friend of ours. It
actually has a timeshare. Yeah,and you wait, wait, is this
is this where they charge you fordamages that you didn't do? And you
sent us pictures? That's the onein the door jam. It was some

(22:44):
ridiculous, some ridiculous damage that Idon't see how you could do unless you
tried, you know, I don'tknow how the hell somebody could do that
damage anyway, what happened? Soyeah, so actually Mark actually stepped up
and UH appreciate the help that hewas going to provide. And we were
getting ready to file a small claimsuit. And as soon as I sent

(23:04):
him back the paperwork that he workedon, I get a call from the
owner of the time sharing. Shewas just beside herself and she went to
action and she U Okay, hegot the five hundred back. Okay,

(23:25):
that's good. That's really good.Thank you very much Mark for helping him
out with that. Three Zho threeseven one three talk seven one three eight
two five Brian, no need tocall back. Thank you for that update.
I really appreciate that, Naomi.We have Kevin on Kevin Calkins shared
in autotech dot com a very dependableauto repair facility, by the way,

(23:51):
and you may want to think aboutthem in the future as well. They
also do pre buy inspections on usedcars. So Naomi has a twenty thirteen
dot Journey okay, and she's havingproblems, and I said, don't bother
telling us until Kevin gets on.It has one hundred and nineteen thousand miles,
So Naomi, continue your story.She bought that, by the way,

(24:15):
in twenty nineteen. Go ahead,Naomi, Okay. So what it's
doing is I feel like I don'tknow how to explain it, just running
roughs. So like when I stopat like a stop sign or going up
the hill or a stoplight, andI start to accelerate. It kind of

(24:36):
like skipsit. Is it only aftera complete stop Naomi? Or if you're
on the highway and you want topass someone, does it do it then
as well? Sometimes so would yousay it sputters or it hesitates? Maybe

(24:59):
a the nation of both? Okay, Kevin? Sorry? Yeah, no
words? Any check in is inlight at all? Any any warning life?
Yeah, the malfunction indicator, lightningbolt being comes up. It'll flash
on and sometimes it'll stay. Itwas staying on and then it would flash
on and now it just kind ofwhen it when it's flew to accelerate,

(25:22):
like I was saying, it'll slashon and then flash off. Now is
this when you do if you ifyou accelerate very slowly, does it still
hesitate? Yes? Vivin, CanI can I do an? Listen?
You're the expert. Can I makea guess? Just let me make a
stupid guess. Throttle body, Idon't know. Possible, very possible.

(25:48):
Yeah, it could be as simpleas a spark plugs throttle body. It
could be a fuel injector you knownumber of things, but truly had one
hundred and nineteen thousand, what isit most likely depending on maintenance on a
car. It could be a youknow, I'll just park. When was
last time, Naomi, somebody wentthrough that. I have not had anyone
do like a like a full ontune up because I can't afford it.

(26:14):
But I have kept up on likethe oil and making sure I use the
right kind of gas, good qualitygas, you know, regular maintenance like
that. My brothers looked at itlast year in the summer and he's like,
I don't see anything wrong with it. I did take it in to
get the coach. Can I canI ask you something? Just on that

(26:36):
note not I don't want to makesuch any brother or anyone, But what
does you mean he looked at itand could not see anything wrong? You
know, It's funny because I've seenpeople before when they have a problem,
they open up the hood and I'mwondering, what are they looking for?
Like a little man in there sayinghere it is, here it is.
I mean, what did he mean? Did he do any diagnostic checks when
you said he looked at it,well, he checked to make sure all

(27:00):
the cables were okay. I attachedand here's a mechanic that he lives in
Grand Junction okay, gotcha, getyou. He looked at for obvious problems.
He could not see any obvious problems. Okay, Yeah, And he
drove it and he said it seemsto drive fine. Naomi, what what

(27:21):
well? Didn't he feel the hesitation? Well? Yes and no. But
he's like, that could just bebad gas. So run that gas out.
That's a good idea, jail me. How did it come on suddenly
one day? Yes? And howlong has it been going on? Since

(27:42):
about July of last year? Oh? My goodness. So is it getting
worse or is it staying the same? Kind of both. I took it
in to get the codes ran.When those lights came on, they told
me I needed a new battery,so I put out almost three for that.

(28:03):
I don't think a battery would havecaused that, but that could have
been just a coincidental problem. Sure, sure, you know if you want
to get it, you know,we'll be happy to look at it for
you. We'll do it free inspection. Give you an idea, work great,
Naomi? Where are you what partof town? I live over here
in Lakewood off of Union and All. You're not far, You're not that

(28:26):
far. He's on Collfax just westof Wadsworth YEP fullfax west of Wadsworth.
Now hold on Naomi and uh NaomiKatschina will give you it's shared an auto
tech Kachina will give you the informationon how to find him or go online
shared in auto tech dot com anduh, let's let's see what he finds

(28:48):
out. Thank you, Naomi.We're always happy to help where we can,
and I think Kevin of course atShardan Auto Tech three oh three seven
one three eight two five five gowith a sure thing Denver's best roofer Excel
roofing dot com. You don't paya cent until you're content. Time for

(29:12):
an insurance check up free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three all
three seven seven one help. You'llthink you're his only customer when you choose
Frank durand the real estate Man dotcom to list your home with Remax Alliance
three all three nine two zero sixteentwenty two. Hi Tom Martino, you're

(29:37):
troubleshooter three oh three seven one threetalk seven one three A two five five
Kachina if you can get Dan McKenzieon about the will Jack. We will
try to get an expert on toanswer your questions. That's some of the
things we try to do here forpeople. JR. What's your issue with
T Mobile other than it's T Mobile? Yeah, right about that? Yeah,

(30:02):
what's going on? Phone or tyissue? They sent me a new
phone, I send the old onebacked as per No. Hold on,
how did it all start? Didit just did you just need a new
phone? Yeah? The warrant?Ye, the phone was messing up?
Okay? And how long had youhad that phone since? January? Okay?

(30:22):
Okay, right, all right,something like that. And and I
sent the I sent the phone backas per instruction to put it in the
box and send it to UPS.Now, was that after you received a
new one? Or did you haveto wait for a new one? No,
wait for the new one? Okay, right, wait for the new
one. I boxed it up andsent it out. Okay, I went

(30:47):
to UPS. I got a trackingnumber. Now they said they haven't received
it, so they're charging me forthe phone. But you did get the
new one, right, Yeah?I got the new one. Yeah,
I got the new one. Oh, the problem the old one. They're
charging me for it because they haven'treceived it at their office. No,
I get it. This is notthe first time this has happened. Did

(31:07):
you get a signature requested? Signaturerequested? Or I got to try.
I have a drop off package receiptfrom the UPS. You do, okay?
And they so they usually take apick of it so they know it
was sent there. Did you sendit? What to a corporate office or
to a store or what? Iwent down the street there and put I

(31:30):
said, I'm putting in a UPSoffice. I took it myself. But
but you have a tracking number,right or I have a tracking number?
And yeah, And I discussed thatwith T Mobile and they said, yeah,
we know you sent it, butwe haven't received it until where you
save it. We're charging you.So I'm getting a bill for X amount
of money to pay it back.So wait a minute, when did you

(31:51):
actually when did you actually drop itoff at UPS? February of the second
this year. Yeah, this isridiculous. You know, I don't.
This is a weird problem. AndI'll tell you why. J are it
happens all the time, not justwith T Mobile? I mean, you
know, what good is a trackingnumber? What good is all of that

(32:12):
When they say they didn't get itback? Was there something you were supposed
was there somewhere you were supposed todirect it? I mean, tell me
what, how were you supposed tosend it back in their box? Right
in their box with their shipping label. That's a UPS and you did it
and UPS said it was delivered.And how much are they charging you every
month? Or a lump sum?About a two hundred and seventy bucks something

(32:38):
like that approximately? Okay, didthey do a lump sum? Then yeah,
they want that back. Yeah.So I've contacted their office twice,
once in March and just a coupleof days ago in April. Say we
don't have it, we don't receiveit. We're charging you. I'll say,
yeah, you got me a hospeachbecause it's all my credit card.

(33:00):
Okay, they have my credit cards. Yeah, but hold on a second.
I got some ideas. Hang on, I'm Tom Martino. More coming
up, including JR. I thinkI have some solutions, So stick around.
I'm Tom Martino three O three sevento one three talk. Don't forget
three oh three Martino. You cancall any time, no restrictions. We'll

(33:20):
get back to you on that.If we're not around three oh three sixty
two seven eight four sixty six,go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don'tpay a cent until you're contenth time for
an insurance check up free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three oh

(33:43):
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two d need so you

(34:04):
don't have to come running as fastas we can. Shooter's gonna help come,
Man Dix is the Troubleshooter Show.No, Tom Martino, Welcome,
Welcome to the show, the onlyand I mean it's the only show of

(34:27):
it's kind. We're here to solveproblems. I'm here, Okay, I
don't, Mark, I mean,he just be honest. Whose fault was
that, Shannon? You didn't playthe game entirely? Okay, good God,
keep going, Mark, go ahead, keep going. What were you
saying? Yeah, yeah, yeah, yeah, yeah, three oh three
Martino three three sixty seven eight foursixty six. Hey, Mark, on

(34:51):
the bankruptcy, you know a question, I get a lot, and I'm
wondering if Mike gets it. Canyou go bankrupt on just one thing,
like a medical bill, because youreally don't want to ruin everything else.
No, bankruptcy is an all ornothing proposition. I mean, you can

(35:14):
try to reaffirm your other debt,but that's difficult and defeats the purpose exactly
exactly. So yeah, Unfortunately,when you go in all of your decos,
and even if you had a creditcard that had a zero balance,
you could theoretically leave it off,but they're going to track your social defiling
and they'll shut down that card.The Wink Law Firm, that's Mike Wink,

(35:37):
and he's here today to talk aboutcredit and issues like that. So
when he's not here, of course, you can reach him at eight.
The numbers easy to remember, eighteight to eight. Now Wink, and
let's talk about let's see, I'mgonna wait for Jack. We're going to

(36:00):
get an expert on for your father'swill. But I want to go back
to JR and T Mobile Basically,it's very simple. He had a phone
under warranty, he got a newone. It broke, so we got
a new one. And what theynormally do is ship you the new one,
then you pack your old one inthe box and send it back.
The UPS tracking number shows it wasdelivered, but they're still charging him.

(36:23):
And this is ultra simple, andthat is it's on your credit card.
You can actually dispute the charge andyou can use the UPS tracking to show
that it was sent back. Now, obviously, you know, we can
get ridiculous on this and people couldsay, well, how do we know

(36:44):
they you didn't put a rock inthe box, how do we know there
was a phone actually in the box, blah blah blah. I don't think
it's going to go that far.I think your credit card should back out
that charge immediately. Now. Ifthey don't, another option would be small
claims court. I mean, whatare they gonna do. They're gonna go
and say, well, we didn'tget it and you have a tracking number

(37:05):
showing you did. I mean,I don't know how far they go with
this mark. Do you think smallclaims would t mobile? I think they
would settle and say and forget it. Don't you think they would? Okay,
now, JR. Did you tryyour credit card first? No?
I haven't done it yet. No, not yet. That's what I want
you to try first. I thinkit's gonna work. I really do the

(37:29):
other thing right on the statement.Yeah, Now you go on the statement
where it is, and then youcan do it online usually and say this
charge the phone was sent back.I have proof of it. I should
not have been charged this. Ithink that's as far as it's going to
go. Man. Now, ifnot, then what you're gonna have to

(37:49):
do is simply go to the Secretaryof State to search databases. It's so
easy. You can google it andthen you look for T Mobile and you'll
see who their registered agent is andyou consume them. I mean, it's
it's really pretty simple. Okay,what I would start charge? What's that?

(38:12):
Would I get back to filing charge? Well? No, probably probably?
Mark? Have you ever, bythe way, that's a good point.
Mark. Have you ever tried toget back a filing charge for the
small claims? Yeah? You alwaysget court cost if you win? Oh
you do? Yeah? What's fiftyfive bucks? I mean, Mark,
I did I did not know that? Yeah, you build it right into

(38:32):
the claim. Okay, hey,listen on Mark when you go to search
the database. So I did whatwas obvious to find a registered agent.
I put in T mobile, butnothing comes up. Yeah, they're there
somewhere. I've sued him before.Oh you have? Did you win?
I can't talk about it. Okay, Okay, now when you look,

(39:00):
because if I put in T mobile, I what do you remember? No?
But I know they're there. I'llfind them. It's not a big
deal. And I served them ata local store owned by him in my
own county, Douglas County. Excellent. So there you go. We're gonna
walk you through this. First,try your credit card, then call us
back to our three h three sevenone three talk seven one three eight two

(39:22):
five five. I love it whenwe can help people like that, because
I think it's gonna work. AndI have a Dan want to talk about
a garage? Go ahead, Dan, Hi, So contractor I hired built

(39:44):
a thirteen hundred square fuck roage morning. Okay, when did you hire him
to do that? Last year?Okay? Now, now who is the
contractor? If you don't mind,Oh, I really prefer not to say.
Okay, so far so good.I don't care. I mean,

(40:06):
if we help you, though,we might need to know. But go
ahead. What happened? Yeah,so there's a lot that's vacant next to
me, and he built one thirdof the garage on the neighbor's lot.
Oh wait a minute, wait aminute. Didn't he get a building permit?
Oh, he got a building permit, He went through architectural review,

(40:30):
all sorts of things. No,hold on, hold on, did you
know where your property line was?You couldn't see it? Well, it's
not a visual thing. No,No, What I mean is how big
are your lots? By the way, acre mine is an acre, a
little bit over an acre and ahalf. Okay, that's as they get

(40:53):
a little bigger, it might bea little more difficult. So when you
when you eyeball your property line,I mean, do you have a clue
where your property line is? Yes? Oh yeah, and I do.
Now, but did you before?Not exactly? Well, then who staked
out the garage? The contractor didall the work. But but wait,

(41:16):
wait, you must have gone outthere and said this is where I want
it. No, wait, wait, wait, wait, so you hired
a contractor and said put it anywhereyou want. Basically, we argued in
different locations, and this is thearea he picked. No, come on,
Oh wait a minute, Dan,Come on, this guy arbitrarily went

(41:39):
on your lot and picked a spot. Oh no, he did not arbitrarily
go on. I wanted it inone place, and he said this would
be better in this place. Andso but how far away was your place
from his place? Oh? Quitea ways, on the other side of
a lot. Was there a drivewaythere? Yeah? Oh yeah, they're

(42:01):
a big driveway and on both sidesof your house. Yes, So you
have a driveway where you wanted toput it, and you have another driveway
where he wanted to put it.Yeah, and so but I agreed,
you know, and it was agreedon. You know that I accepted where
he I don't think it's his responsibilityto know your property line? WHOA,

(42:27):
I don't, Mark. Do youthink it's his response if you went out
there, Mark and told him whereto put your RV garage and it turned
out to be part on your neighbors, I mean, or if he went
out and suggested it and you said, okay, Well, I don't think
you can blame this guy. Well, I think it's crazy because generally when
I built mine, I mean,Douglas County was out there all the time.
I had to prove the setback fromthe property line. I had to

(42:50):
do all kinds of things. Arethere setbacks? Where is this Dan?
What municipality? Pablo West? Okay, well there are set back It's like
the wild West out there. Thereare setbacks, said ten feet? Yeah,
okay, so why did not?Okay, it is like the wild
West. And I hate to Ohmy god, I hate to say this,

(43:13):
but dealing with those officials out there, my god, they're just Pueblo
withness. Yeah, there's only onecounty worse. So that's well, but
that's only because I still don't understandhow they signed off on it. I
mean, these things go in order, they come out, they make sure
the setbacks, they see the exactplace you're going to put the structure.
I don't understand how this got done, unless you know they didn't call for

(43:37):
a permit or anything. No,No, they have a permit. They
have a box out front. I'vemet the building inspectors every once in a
while, I'll run in Tom andthey've been out signing it off. Well,
I had to listen, man,I had to literally show where the
building was gonna be on my property. You had to stake it, So
you didn't do that, or you'rea guy didn't I wouldn't know how.

(44:00):
So yeah, listen, I'm gonnatell you something. Down and slid through
the cracks, Dan, I'm gonnatell you something. Okay, the county
is partially to blame, but they'renot gonna they they're not gonna take any
Uh. You know, they're notgonna it's not gonna help you. And
the contractor is part to blame,but so are you. Man, Really

(44:22):
and truly it's more you than thecontractor. You don't want to hear that,
but it really is. I mean, that's my excuse me, that's
my opinion. I should mention thatmy opinion. I'm still here's the part
I'm still missing. If they signedoff on the location like Douglas County had
to do, I would even sayit's the county's issue. I know,

(44:42):
Mark, I just said. Isaid they're to blame, but you're not
gonna get anywhere with them. Wellthat's probably true. Now, is your
neighbor willing to do what's called alot line adjustment? Yeah, you swap
property he gives you X amount offeet, you give it to him.
Absolutely not if he wants to sellme the lot the whole Wait wait wait,

(45:07):
is he on the lot? No, it's a vacant lot. And
that's even more reason why you shouldhave had an improvement survey. Okay,
so hold on? How much isit? Is he being unreasonable about selling
it to you? And that's whyI'm calling you three times market value?
Well that's just holy he wants Yeah, but I mean, what the hell

(45:29):
is he going to do? Howmuch do you got in this structure?
Man? Oh? Say about ahundred and a little over one hundred?
Yikes? No, no, waita minute, Wait a minute, Dan,
Dan, Hold on a second.You set a thirteen hundred square foot
garage on what planet do you livewhere a thirteen hundred square foot garage cost

(45:52):
you one hundred grand? Seriously?Bro, I think home on? Is
it on a foundation? I meantoday to do a lot of dirt work.
This is a first class. It'sit's been, it's stuff goed.
Uh you know, it's almost finished, it's insulated. Yeah. I could
easily get there, Tom, Andhow much? How wait? How much

(46:15):
I got a car? How muchis the lot next door? Does he
want for it? Close to amillion? Close for an acre and a
half. Yeah, that's Peblo West. I think you could buy Pueblo for

(46:35):
that. Yes, And that's whatI'm the word he's home cooing. I
feel he's gounging me. He knowshow much? Wait he is, he's
got you over a barrel man,Jacob, how much? Wait a second?
How much? Did how much didthis whole thing? Uh end up
costing? As far as the lotgoes somewhere else? Like, like,

(47:00):
what would that lot sell for?And that's what I asked two years ago?
The current owner bought it for twohundred and eighty eight thousand. How
much are you willing to pay forit? I offered him three hundred thousand
macs. What a reasonable, reasonableguy you are. Yeah, but it
doesn't matter. This guy holds allthe cards. Yeah. But Mark,

(47:23):
I'm gonna tell you something. Ifhe did nothing at all, the neighbor
would have to sue him. Now, listen carefully to what I'm saying.
When the neighbor sues him and thereis an ultimate loss assessed, the neighbor
doesn't get to call the loss whathe wants it to be. In fact,

(47:44):
in this case, it might evenbe better to make the guy sue
you and you pay him damages.The guy could simply put it up for
sale for a million bucks and notgonna buy it. Not who's gonna buy
it? I have no idea,but my point is he could sue this
because he doesn't even really have theability to sell it, because this guy
built on his property. But Mark, it still comes down to damages.

(48:08):
I don't care. I don't carewhat you say your lot's worth. If
I ruined your lot or took partof it, it still comes down to
damages, and those damages. Ifthese two can't agree to what they are,
it would end up being the judgewho would hire experts. And if

(48:29):
what this caller is saying is true, he would end up paying closer to
what he wants than what the neighborwants. What's to stop him from taking
a bulldozer to it? You can'tdo that. So if someone builds some
shack on my house, mark ornot, I can't take Now. You
see, you totally went off thereservation when you said if someone built a

(48:49):
shack on your property, weren't talkingabout a nice structure where a third of
it's on the other guy's land.And I am telling you, and Michael
tell you right there, he's anattorney. If that neighbor did that,
then this guy could sue the neighborfor doing What is if he wants to
build a spec house there and tryto sell it and he doesn't have that
ability, still comes down to damageit, because it does. However egregious

(49:15):
the offense, it all offends runto what did you actually impact this person
financial? Thank you very much,keep up, Mark, will keep bringing
up scenarios till the end of timewhen truly, no matter how much he
pouts and robs and and your goto on this is to do nothing.

(49:37):
But I think what you're saying isit could impact the value of the whole
lot. So arguably the whole lot, I mean, I think that would
be a stretch, but arguably thewhole lot has been damaged. Right,
you can't build a structure, sonow you can't damage that's the you know,
that's still the damage. You can'tIt's not a billion dollars, right,
it's you know, it's whatever thelong work, whatever it would take

(50:00):
him to replace the lot, that'sall it's worth. And that's what I'm
saying, Mike. This guy iswilling to buy the entire lot for what
he feels is the true market value. And if this guy is right,
that's the most that will be assessedagainst him. Can move for less than
three hundred thousand? What's that?Can it be moved for less than three

(50:22):
hundred thousand? Yeah, but listento this. If he destroys that whole
garage and rebuilds it, let's sayit costs him double. He'd cost one
hundred grand to build it, andit's going to cost two hundred. He'd
rather pay the extra one hundred andown the lot. And again, this
is where the court of equity comesin. Ask Mike, right there,

(50:43):
it all comes down to what hetook. It doesn't matter what you think
he took. It doesn't matter whatyou want it to be, It doesn't
matter. That is why people goto court, or in this case,
when I say, my go tois to do nothing. No, he
should make a formal offer to thisguy. And Michael, see why I'm

(51:04):
saying this, because then when itgoes to court and this guy tries to
get court costs, here's what thejudge is going to say, are you
kidding me? This man offered youfair market value you and you took him
to court, and now you wantto try didn't realize you could force someone
to sell, you know, yourproperty for whatever the hell they want to
get fair market value. You dowant to keep the lote, You do

(51:29):
want to do a spect You wantto do something. You can't force a
guy to sell your daughters in lawschool ask her to look up precedent.
There has never been a case inhistory where you have to pay more than
something is worth, unless there's someemotional attachment that we don't know about,
or some intrinsic value. Maybe there'soil under it, maybe something else.

(51:51):
But land is not magic. Theoretically, if he's paid what it's worth,
he can buy another lot. Michael, am I missing something? I think
that's right, except I don't knowthat if there was a lawsuit that the
damages would buy the lot, right, the damages would buy the space.
Oh no, that's right, that'sright. But the damages if in fact

(52:13):
the damages were found to be thetotal value of the lot, what do
you think the chances are how thisguy would have to buy next lot and
not get possessions? How do youfind another lot I'm assuming next to the
other guy. How do you valuesomething that if I have a lot in
only adjacent there's tons of tough thevalue do you realize under your scenario?

(52:37):
Under your scenario, there would neverbe a settlement in court ever, because
you could always bring up a reasonwhy, No, I don't want the
money. I want that lot.I don't care what you say, Judge,
that's the one I want. Myheart was set on it. I
think we're way over on breakman.Okay, I'm sorry. Three oh three
seven one three A two five hivego with a sure thing Denver's best roofer

(53:05):
Excel Roofing dot com. You don'tpay a cent until you're contenth time for
an insurance check up free, noobligation. In comparison, call Compass Insurance
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when you choose Frank durand the realestate Man dot com to list your home

(53:28):
with Remax Alliance three all three ninetwo zero sixteen twenty two. All right,
So basically, Dan had a contractorbuilding br and they all made a
mistake. The county, the contractordan it was put a third of it
on his neighbor's lot. His neighbor'slots an acre and a half. His
his is an acre, or it'swhatever size it is. The neighbor wants

(53:52):
him to pay a million and ahalf for the lot, or a million.
This guy wants to buy it forthree hundred thousand. He said,
that's what market value is. AndI said, you know, in the
absence of any kind of a settlement, put the settlement in writing and then
make him take you to court,because the judge will never ever award more
than the lot's worth. Jay,Though you have a comment, go ahead,

(54:13):
Jay, Hey Tom, So beforeyou build, you always have to
give an improvement survey. Usually usuallyyou do. They won't build with that
one. Well, how did they? How did they let him build it?
They probably didn't. Somewhere there's probablya survey that somebody needs to examine

(54:34):
the survey or got it wrong.Then he's in some trouble. If the
survey says it's his land, maybeit is his land. That could be
too, That could be too.I mean, there's more than meets the
eye, that's for sure, Jay, Thank you. Hey, Jay,
you know what I would do.I would verify the survey, Jay,
That's what I would do. Excuseme, Dan. Jay brings up a

(54:58):
good point. Why don't you havedid you have a survey done yet?
Not yet? No, you haveto have one done truly, and you
need to make sure it's a it'sa certified survey. Going back to what's
called a monument or a recent monument. Monuments are concrete things put in the
ground that all surveyors go off of. They don't relay monuments so or very

(55:22):
seldom. So what would happen isthey would have to either meddle or concrete,
but they would go back to monumentsin order to verify surveys because sometimes
when you have a little error andone surveyor goes off of that error,
and then the next survey goes offof that surveyor's error, it gets bigger
and bigger and the error could endup. Jay brought up a very good

(55:44):
point, Dan, but that's reallylisten, that's really what you need to
do. And if you do needa real estate attorney. Brad O'Brien O'Brien
Legal services. I'm telling you olslawdot com. He handles this. This
is exactly the kind of stuff hedoes. And speaking of real estate stuff,
Bill, you have a property,you have property access question. Then

(56:05):
I have to take a quick breakbecause I got behind my fault. Bill,
go ahead, Hey, do Ihave to allow access onto my property?
When see my neighbor's tree fell throughmy fence into my yard and he
has access, but it's easier goingthrough my yard. Well, here's the
point. Technically, you don't haveto if there is no easement or no

(56:30):
right of way technically, but theonly I can't think of a reason why
you wouldn't if it fell through ithe wants to fix it. Well,
because they came, like the treecompany came with this gigantic panel truck.
Oh, if you don't want themto chew up your lawn and all that,
I get that part. Yes,And so they went around on his

(56:51):
side. Yeah, it's got stuckin the mud in his property. Okay,
No, no, no, Idon't blame you for not wanting them
to chew up and screw up yourlawn. No, of course not.
You don't have to let them dothat. But let them walk and theyke
a wheel back. No, no, I understand all that You should mention
that or make them put up adeposit of some kind. Three O three

(57:14):
seven one three A two five five. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. Youdon'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 coverageat dozens of insurance companies find out now

(57:37):
three oh three seven seven to onehelp. You'll think you're his only customer
when you choose Frank durand the realestate Man dot com to list your home
with Remax Alliance three oh three ninetwo zero sixteen twenty two. Hi Tom
Martino here three O three seven onethree talks seven one three eight two five

(58:00):
five. Jack's got a question abouthis father's Will Jack go ahead? What's
happening? Oh? My dad passedaway last Tuesday? Oh my goodness,
was this sudden? Jack? Well, he had help and he just wanted

(58:22):
to go home to pass away.He didn't want to dine in the hospital.
He just didn't want to go throughall of that anymore. And so
we were granting his wishes. Hewas happy. But when he passes away,
I had some things I had todo before because I live in Pitts,

(58:45):
Pennsylvania now. So I was herethe next day and a couple of
the grandchildren decided to take the will. I didn't like how it read.
Mostably, they took it to attorney. I don't know, but I've been
reading and it has to be fined. Wait wait, wait, wait,
wait wait, wait where let's goback. Your dad died and had a

(59:10):
will, first of all, right, and you knew about it. Yes,
do you have a copy of thewill? Well, I've been trying
to get a hold of the attorneysthat did it, and I haven't got
a call back. I've been whatdo you mean that did it originally?
Did it? Or did it afterthe grandkids took it to him? No,

(59:32):
he did this ten or fifteen yearsago. He did it, Okay,
the will that he did, youclaimed after he died. The grandchildren
took it and didn't like it.And that's what they told me. When
I got here. They said,one of them goes, well, there's
all these changes, so well waitwait wait wait wait wait what changes are

(59:55):
they talking about? Did your dadmake changes, you know, I don't
know. My dad didn't do anythingon his own. He went to the
lawyer to have it done. Didyour dad go to the lawyer? Listen,
Jack, I'm sorry, but whenit comes to legal stuff in this
you're being vague. So your dadmade a will fifteen years ago. Did

(01:00:21):
your dad go recently and change things? He made a change in twenty seventeen
to leave his brother mineral. Allright, that's the only change that's been
made. How do you know that? Oh? My cousin told me about

(01:00:43):
it. I have never seen thewill. Okay, then you don't have
a clue. Basically, you haveno idea what he did fifteen years ago
and what he did in two thousandwhatever seven? When did you say last
year or seventeen whenever? Yeah?Oh, I know what he told me.
Okay. My cousin was down hereafter he'd got out of the hospital

(01:01:06):
and she read it and she wasunder misunderstood what my dad had told her.
He left me the executor of thewill. Okay, So where does
this stand right now? What isyour question? Oh? I just need
a lawyer that is going to actuallyhelp me out here. Okay, Jack,

(01:01:27):
where did he die. He diedat home and buyers did did but
no one has a copy of thewill the way it was done in twenty
seventeen. I mean, what attorneydid you? What did the attorney say
when you said you needed a copy? And by the way, without seeing

(01:01:47):
the will, how do you knowyou're the personal representative? Because I don't
think my cousin would lie it.Okay, now, Dad, did your
cousin see the will? Yeah?She read it. Does she have a
copy of it? Your will wasin the drawer? I don't understand.

(01:02:07):
Well, then have her send youa copy? Well, you know what
I mean. If you want torefer me to an a lawyer, you
can. I know, I willgive you an attorney. I absolutely will.
Listen, here's what I'm saying.Even an attorney, Jack cannot help

(01:02:29):
you unless you answer the same exactquestions your If your cousin read from that
will, what would prevent her?I'm just curious, what would prevent her
from making a copy of it foryou? Well, she said, after
all of this happened, she saidthat she should have took up with her.

(01:02:50):
Okay, now where is it?Do you think? Is this?
I don't know. The boys tookit somewhere supposedly. Okay, and these
boys are who are they your kids? No, my sister's sons. She
passed away about a year ago.Not the okay, she passed away.

(01:03:15):
Okay, wow, okay, I'llgive you an attorney. Try Jack McKenzie.
Excuse me, Dan McKenzie, Danmackenzie, mackenzie law. He's a
great guy. I'm not sure.I'm not sure what he can do.
But here's his number, eight threethree co plans. Thought that eight three

(01:03:42):
three co plans p l A andsthis an extra that it doesn't matter.
It works, it works. No, it's not an extra, it's it's
all the seven letters. It's exactlywhat you need. So co plans,
it's eight three three co plans.He's in Denver, he handles Colorado estate
law, and he can do allof this for you. Again. I

(01:04:04):
hope he can sift through this threeO three seven one three A two five
five Go with a sure thing Denver'sbest roofer Excel roofing dot com. You
don't pay a cent until you're content, wait time for an insurance check up
free, no obligation. In comparison, call Compass insurance paying too much your

(01:04:28):
coverage at dozens of insurance companies.Find out now three all three seven seven
to one help. You'll think you'rehis only customer when you choose Frank durand
the real estate man dot com tolist your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino here three O three
seven one three talks seven one threeeight two five five. Dan McKenzie mackenzie

(01:04:55):
Law. We also have another questioncoming up on wills. But what do
you do with that one where theguy said that the grandkids took the will
and won't give it to them.What do you do with that? So
we've had this discussion a few times. I know you're unsatisfied with the answer.
But whoever is in custody at will, it's supposed to lodge it with
the county courts within ten days ofthe death. And if they're doing something

(01:05:17):
that ultimately causes your caller to missout on something like they're going to be
liable for that for hiding their willfrom him if that was what caused.
But what's to prevent them from changingit while they are hiding it? I
mean, you know it has tobe signed and all the formalities around will
execution that we have in place,as far as notaries and witnesses and everything
else. So I mean, sinceit was his dad, could he rush

(01:05:41):
to court and get the probate openedfirst? Or yes, anybody who has
an interest in the estake and petitionthe court to open the probate. And
then so if he opens the probate, does that give him a leg up
on getting the will? You canhave the court issuing order saying produce the
will and if you don't, soyou're going to be in contempt. So
that would be a good way todo it. So he's going to be

(01:06:03):
calling you, but I do agreewith that. Now let's go to John.
John, you have another estate question. You're on with Dan McKenzie.
McKenzie law, go ahead, John, thank you for taking my call.
I had a friend who died lastThursday. He was in the hospital about
thirty days and he died. Hehad five kinds of cancer and all kinds

(01:06:27):
of problems. He told me beforehe died that he had named me executor
of his will and that his willwas in his RV which was in an
RV park in Bennett, Colorado.So after he died. I called up

(01:06:47):
there to see if I could getthe will. If they called up,
where where did you call? Idon't get where you called? Bennett cut
the RV park okay, And yousaid I need to get into it.
Yes, And they said they askedme questions about why, and they said

(01:07:11):
they cannot let me into. Idon't blame the park. You shouldn't have
mentioned it. You should have justgone there. But I would need a
password to get into the RV parkand I didn't have that, so I
get anyway. So where does itstand right now? Okay? So they
have told told me that in orderto access he's got a folder called the

(01:07:33):
Important Papers, and in order toaccess the RV, I have to have
proof of executorship. Well, theexecutive proof of executorship is in the document
that's inside the RV. So I'min a circle where I can't possibly win.
They want proof of executorship that it'sit's locked in an RV that I

(01:07:55):
can only get to if they willlet me in. John, What are
you doing? Case like that?Dan? It's probably the same advice I
just gave you for the last case, which is you can go ahead and
petition the court to open the probateprocess. I don't know, do you
have any idea like what the estatemight have in it, because I mean,
the first question, is a probategoing to be necessary? I think?

(01:08:16):
Okay, he's got a camper thathe paid eleven thousand dollars for that
is practically worthless now because it's notbeen driven for six years and all the
tires. And what about the mobilehome? Does he own that? Yes,
he owns that. He owns heowns the camper outright, And then
he had when you say camper,is that what he's living in at the

(01:08:39):
mobile home park? At camper?No? No, he lived in the
basement with a friend of a friendwho a lady who is poor. Okay,
So he lived somewhere else other thanthe camper, and the camper is
where he kept his documents, right, okay, And it sounds get into

(01:09:01):
that camper that that camper is ina mobile home park and nobody will let
you in there. Right. Isit a mobile home park or a storage
facility? It's a storage facility andwithin the Okay, got it? Important?
Doctor, got it. I don'tknow what you do in a case
like that, Dan, If youcould hang on or we call you back.

(01:09:23):
Maybe we figure out what to do. I'm Tom Martine three oh three,
seven to one three talks seven onethree eight two five five. We
got more coming up, and thenthe eclipse is gonna happen. Wow,
let's talk about that. Will wesee anything here at all? Stay tuned,
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You

(01:09:46):
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 findout now three all three seven seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three all three

(01:10:11):
nine two zero sixteen twenty two yearipped of news. You need advice so
you don't have come run in justas fast as we can. Shooter's gonna
help come Man six is the TroubleshooterShow Now, Tom Martino, Hi,

(01:10:39):
Tom Martino, Your troubleshooter three ohthree seven one three Talk seven one three
eight two five five waterpros dot netwhole house water systems around thirty four thirty
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(01:11:01):
three eight six' two five fivefive four waterpros dot net. Now listen,
the eclipse is taking place, ofcourse, and in Colorado you're going
to be able to see sixty fivepercent of the sun covered. I believe
it is sixty five percent. That'snot bad. In fact, a friend

(01:11:21):
of mine right now at the airportjust took a picture. I sent it
to you and sues, Yeah,he has a time, he has a
special camera. Now what you seethere is just a sliver, but that's
going to move over that sliver toabout sixty five percent, and he's going
to send me a picture along theway that we'll be posting over Colorado sky.

(01:11:45):
And that's how clear it comes outwith eye protection. Is that the
coolest thing? Huh? Wow?Anyway, Uh, get that on YouTube
as soon as you can. Markthat's pretty cool. We have Mike Wink
with us too from the Wink Lawfirm about bankruptcy. Some questions for him.
But Doc has a follow up andhere's what happened. I asked him
to call on an earlier case.This guy hired Patrick Silva five Star Restoration

(01:12:12):
and Construction to install a jetted tubin a bathroom, paid him half up
front twenty four hundred bucks, andgot absolutely nothing. Doc, what did
you find? Hey? First?I just wanted some question. Did John
ever ask the owner of the trailerpark if he would accompany him into the
property so that he could watch Johnjust get the paper and then walk out.

(01:12:40):
Try? Wait, Ma, Mar, Doc, did you hear what
I just asked about the tub?Yeah? Okay? And then you went
off on an I mean that's kindof confusing, like squirrel. I mean,
let's talk about that one. First. Did you call that contract?
I did? I got Pat onthe phone. He answered right away.
We had a we had a threeway conversation. And what happened was that

(01:13:03):
on some fam on one of thecontracts, Jack had put down the wrong
number. He put five six'nine instead of five to sixty six,
and Pat had called them multiple times. Let's voice some messages at the wrong
number. So as soon as wegot Pat on the phone, he said,
look, I'm really sorry I triedto get in touch with you.

(01:13:25):
I will gladly send you a refund, no questions asked, and you will
have it by the end of theweek. Well, let's let's follow that
up. Doc, put a tickleron the calendar. Now, what were
you saying as far as this guythat needs to get a copy of the
will, Well, he ever askedthe owner of the place to go with
him so they can watch him,just get that one document and then leave,

(01:13:46):
so that I don't think that's theissue. I don't think anyone will
enter that camper at this point.Well, I don't know. That could
be, but I don't know ifyou have if the owner can you know,
if the owner of the property canbe with him as a witness that
the only thing he did was getthe form that proved that he's the executor.
It might be worth a try.Well, let's find out John.

(01:14:10):
First of all, Dan McKenzie's withus. I know he's not with us,
but he was with us, andhe basically said what we thought he
would say, and that is,you open up a probate, and then
you compel the park to let you, as personal representative, enter the camper.

(01:14:33):
It's that easy, John. However, it's gonna cost you to open
probate. Are you there, John, Yes, I'm here. Can you
hear me? Yeah? How muchis it gonna Yeah? How much is
it going to cost? How much? Total? Do you think this when

(01:14:53):
this guy says, hey, bemy personal representative. I got some this,
I got some that. What doyou think his total state's worth?
How you figured it out the otherday? It's worth zero? Except he
has a ten pous Well, thenthen don't do it. Then just let
it go. Don't do it.He has a ten thousand dollars life insurance
policy that I have to access.He's naming the lady who he lived with

(01:15:17):
as the beneficiary of the policy.Then let her worry about her. Let
her worry about it. I can'tdo that. He asked me to be
the executive teach. Okay, okay, then spend three thousand, open up
a probate, and then let hertake the money. That's a really good
friend, by the way, areally good friend. That's very nice of

(01:15:41):
you, So thank you. Soopen up the probate, spend three thousand
dollars. Well, you got topay an attorney to open a probate.
I'm guessing. I don't know ifit's going to be three grand, but
i'm guessing. So what you dois open up the probate, pay the
money, and then get the willand all of that, have your friend,

(01:16:04):
have your friend collect the life insurance, and you've done your part and
you're out three grand. Okay,very nice of me. You can't afford
to be out three grand myself.Can it come out of the estate you
just said, there's no estate that'snot part of the estate. Okay,

(01:16:30):
not if she's a beneficiary. See, she doesn't need you to get that
life insurance. She doesn't need thewill to get the life insurance. If
she's the beneficiary, she doesn't needanything. Okay, how does she go
about getting to the life insurance?Then they'll contact her. Did he put

(01:16:54):
down her name in number? Iassume he filled her out as the beneficiary?
Yes? Or no? Oh?Yeah, yeah he did. Okay,
then they're going to contact her.Can we send them a death certificate
or something? Well, she cando that, John, You don't have
to do anything. There's nothing there. I'm just trying to honor his okay,

(01:17:19):
but get that fine and honoring Whatif honoring it was taking over his
estate and you owed a ton ofmoney, would you honor that? No?
Okay, you're not obligated to honoranything if it's not to your benefit.
I mean, why would you.It's only going to cost you money

(01:17:40):
at this point. If this womanis it, it gets a ten thousand
dollars policy, How does that helpyou? How does that help the estate?
How does that help anything? Doyou know if you open up the
estate, they're going to want youto get that camper out of there?
Did you know that part? Andthey're going to start accruing by the way,

(01:18:00):
they're going to start accruing bills againstthe estate. Do you want that
to happen? No? Yeah,You see, people don't understand when they
take on an estate, they takeon the obligations of the estate, not
personally, but they have to disposeof all that stuff. It's best to
walk away from an estate that doesn'thave anything. Three oh three seven three

(01:18:25):
eight two? What's that, sir? The estate is separate from the insurance,
so she can get the insurance andjust walk away. From the state.
That's right. That's unless unless holdon, Let's say he did not
name a beneficiary, then the willcould name a beneficiary because he overlooked it.

(01:18:48):
But that would be kind of stupidbecause then it could subject because then
it could subject the the life insuranceprocess needs to the estate, and then
the estate is subject to bills,whereas if it goes directly to a beneficiary,

(01:19:09):
it's outside of the estate. Yousee, there are so many oncees.
What how do I walk away fromthe estate just just don't have anything
to do with it? Exactly.There's no obligation. This was very helpful.
There's never an obligation. You see, what if the estate was messy

(01:19:31):
and dirty and disgusting. Hey,by the way, speaking of estates,
Mike Wink is with us from theWink Law firm. Mike, do estates
ever This might be a silly question. I don't know. Do estates ever
go bankrupt? Estates? Yeah?I mean I think they do. Yeah,
that's not the kind of work wewould do. But you know,

(01:19:56):
and I think in instances where therewere assets that were being fought over and
an administrator an executor type, itwas over their head and dealing with it
by bankrupting it. You could putit into the trustee of a bankruptcy to
administer the estate. Okay, thankyou. And another question for Wink that

(01:20:19):
was texted to us. If somebodyhas credit card balances, they don't have
any money, they want to doa bankruptcy. Now I don't know of
them. You know, I'm nottalking about fraud or anything, but what
if they wanted to put your feeon a credit card and you know they're
going bankrupt? Is that considered wrong? Yeah, that would be fraud.

(01:20:43):
So we don't We don't process anycredit cards okay for payment? Yeah,
okay, oh no, no,that's good to know. Yeah. Yeah.
In fact, I get I gotsolicited into a merchant processing account and
I started using it and then theywere like, oh, you're in debt
relief and now was just on ATMsright, Like I still wasn't taking credit
cards, but they basically, ifyou're in debt relief, it's very hard

(01:21:05):
to even get a credit card processor. Okay, I get what you mean,
because they don't want people putting yourfees on there and then going bankrupt.
Wasn't there a guy in town onetime doing that and he got in
big, big trouble. He wasan attorney, he was he was financing
his fees, right. I thinkit was less to do with the credit

(01:21:26):
cards part of the problem. No, No, his was he he went
after him after bank reaffirming the debt. Right, So it's it's it's tough,
right. The law just saysn't facilitated. But if somebody's broke, let's
say they're being garnished, so nowthey really can't afford to pay you.
And what he was trying to dowould be to say, okay, I'll
do your bankruptcy and then you're gonnaowe me. But then on the other

(01:21:49):
side, you're getting them to reaffirmthe loan, and there's there's a lot
of conflicts of interest, and soI mean it kind of sucks, right
because it's not a terrible thing thatyou know, that could be. It
could be valuable to people, especiallyif you're already being garnished and you can't
afford the fee up front. Thatyeah, is that a guy? Is

(01:22:10):
that an attorney still around? Ithink he got disbarred. I did.
I think he did. I'm tryingto think, Okay, you don't want
to probably tell me who it is, but I was just curious. And
yeah, there were all kinds ofstuff going on. There was one bankruptcy
attorney and I can tell you aboutit because he's dead and he I think
he killed himself. But he wassometimes trading sex for fees. I know.

(01:22:38):
Yikes, yikes. It takes allkinds brow Yeah, yeah, I
mean, no seriously serious six stuff. Yeah, and in any case three
oh three seven one three talk onthat nice note. We're going to take
a break. Go with a surething Denver's best roofer Excel Roofing dot com.

(01:23:05):
You don't pay a cent until you'recontent. Time for an insurance check
up free, no obligation. Incomparison, call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three oh three seven to
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot comto list your home with Remax Alliance three

(01:23:29):
oh three nine two zero sixteen twentytwo. Hi Tom Martino, your troubleshooter
three o three seven to one threetalk seven one three eight two five five.
So when we look up in thesky at the peak. It depends

(01:23:55):
on where you are in Colorado.Anywhere from sixty five to seventy seven percent
of the sun will be covered bythe moon of the shadow. And I
have a friend who has a specialcamera taking pictures and I'll show you the
ones, but I don't know exactlywhat percentage will get there at Centennial Airport,
But in any case, that's whathe'll be doing. And then we

(01:24:19):
have other people taking pictures as well, and we'll post some of them.
They're kind of you. You'll seethem all over the place anyway, probably
three oh three seven, one,three eight, two five five. So
what is this possible hot tub scam? Bob? What's going on? Bob?

(01:24:42):
What's going on? Bob? DarthVader? What's going on? Bob?
We can hear you breathing, Ias We'll go to Janet, Janet,
go ahead, Janet, what's happening? Hi? I contracted con protected
a contractor last June from the hailstormthat we had and to do the roofing

(01:25:05):
repairs. And now, how'd youfind the contractor, Janet? I believe
I came, h became one ofhis workers, came to the door when
everybody was walking around the neighborhoods,you know, trying to which is exactly
which is exactly the opposite of whatyou should do. So okay, that's

(01:25:27):
cool. Was this a roof repair, Yeah, And there was some little
chips in the vinyl here in thewindow that were to be repaired, so
you had various storm damage. Wasthis a roof for you hired a roof
Yeah? Actually his businesses actually roofingand construction, residential, commercial, roofing.

(01:25:59):
What's the name of the company.What's the name of the company,
ISSP Integrating Successful Projects, Roofing inConstruction, Integrating successful Projects. That's the
name of it. Yeah, okay, and it's roofing in construction. So
what went wrong? Well, stillstill my house still isn't done. For

(01:26:24):
one, I'm the only one.Well when did when did you sign a
contract? September sixth Oh my god? And the and the initial estimate for
that that contract in repairs was eighteenthousand dollars, which I figured, okay
with with the damage that's probably okay, And now it has gone to forty

(01:26:49):
three thousand dollars. Okay, okay, my house is getting more damage done
to it than three pairs. Theyare doing stuff to my house that should
not be done. There is Waita minute, when did they start the
job? Somewhere around September sixth ormaybe the week after. Oh so they

(01:27:16):
did start last year and they're stillon the job. Yeah. Well,
they come around every once in awhile. It's not very it's not every
day or not. Wait a minute. They've been working on your home September,
October, November, December, January, February, March. They've been
working on your home seven months.Yes, sir, well there's something terribly

(01:27:44):
wrong. Yeah, I know,but in the meantime, I've also been
dealing with my husband here at homedying from cancer, so he's kind of
taken president over me dealing with thecrew. What can we do to help?
I hope you right now, Janet? What can we do? I
need somebody to come to my houseand find out all these extra things that

(01:28:08):
are being done and in the introimof everything else. Well, hold on,
they can't do extra things without yourpermission. Did you sign a contract
with them letting them do this?No? What do you mean? No?
For I signed the original contract forit. But did the original contract
have wording on it that says thatif they find other stuff, they will

(01:28:31):
put in auxiliary claims. Right,but Netting was signed for that. Well,
no, I'm sure it was.I'm sure it was not. I
am not authorizing, Janet. Theylet me explain something, Janet. Please
listen on the original contract, ifthey leave it open for auxiliary claims,

(01:28:54):
you do not have to sign foreach and every August sailery claim. Okay,
they put in eighteen thousand plus supplements. That's what that extra money is.
Do you understand what I'm saying nowthat you don't have to sign for
each and every supplement. But they'rejust doing stuffs in my house that I

(01:29:17):
didn't want done. Well, tellme give me an one of the biggest
items they did that you didn't wantdone. They put like I had my
windows done a couple of years agowith a company that did a great job,
and now instead of fixing the holesthat were put in the bottom part

(01:29:39):
of the vinyl stripping on the bottomof the windows, now there's like plywood
borders around my windows. That whatdo you mean ply So that's how they're
fixing your windows by putting plywood aroundthem. Yeah, little borders, decorative
borders that are not put up properly, and they're not shields, they're the

(01:30:04):
When you listen, Jennet, youpicked this You picked this company because they
knocked on your door. Did youcheck them out before? Yeah? They
only had the Better Business Bureau.The Better Business Bureau doesn't mean anything,

(01:30:27):
the Better Business How many times canI say this? I should start out
every show by saying, the BetterBusiness Bureau is a dinosaur. The Better
Business Bureau only knows what people tellsit what people tell it, and the
Better Business Bureau does not know anything. I mean, I don't even know

(01:30:47):
what they do anymore. They're adying organization. They are a dinosaur,
you know, So you actually holdon? How did you wait a minute?
How did you find out? MayI? Janet? I need to
ask some questions? How did youfind out what their rating was? Janet?

(01:31:08):
Hold? Put her on hold?Put her on hold? Janet,
if you want help, I'll helpyou, okay, but it's not going
to happen unless you let me helpyou. Okay. I need to know
how did you find out about theirBetter Business Bureau ratings? You mentioned they
had good ratings at the Better Businessbrow so I need to know what that

(01:31:30):
means. Can you help me outhere? I want to know what do
you mean by that? I lookedhim up on the Better Business Web?
Right Okay? I understand the BetterBusiness Bureau website hurts more people than helps
because they have people on there thatwent to prison for fraud listed with an

(01:31:50):
A plus rating? Right Mark,Am I lying? That's what they do.
If you're lying, you're dying.Now here's what I want to say,
Janet. I'm not trying to makeyou feel bad for picking this company.
I'm trying to help others who arelistening right now. As I have
a two prong approach, I helppeople who are listening, and then I

(01:32:10):
help people who are calling. Sothose listening never ever ever depend on the
Better Business Bureau. Ever, itis a dying organization. People businesses shouldn't
waste their money being part of it. They are nothing. That's my opinion
based on how many years we've beendoing this where they don't do anything to

(01:32:32):
help. Oh, by the way, let me just ask that, since
they rated them so great, didyou call back the Better Business Bureau to
ask for help? Yes? Idid. I called them, and I
have to do like an email andtell them what happened, and then what
are they going to do? Giveme a case number? And then oh

(01:32:53):
really, and then what are theygoing to do? Here's what they're gonna
do. You know what that is. That's a tap dance. That's what
the Better Business bro is good at, doing a tap dance. So rather
than this, we're gonna help you, we're gonna try. We're gonna call
this company and we're gonna have somebodygo out and actually look at your home.

(01:33:15):
Excuse me, hello, better businessbro? Will you do that?
I doubt it? Yeah, okay, so here's the deal. We're going
to have somebody go out and look. I would like Mark Genesis since they
do everything, to go out andlook at it. If Mark would be
a what part of town are youin, Janet Centennial? Okay, that's

(01:33:38):
good, that's a central location.Now, I guess I don't get this
supplemental issue with her. I mean, I don't know what kind of work
they're doing. But if they're doinga roof, for instance, and they
dig down and they need extra moneybecause they couldn't see what's under it,
what's the big deal a mark holdon? She's saying, though, this
is what she's saying, and Idon't know if what she's saying is right

(01:34:00):
or not. That's why I wantsomebody to look her problem with the supplements.
I already explained to her. Shealready approved the supplements when she approved
the first contract. But the problemis she says they're doing work that is
shoddy and doesn't need to be done. Now, the only way we're going

(01:34:20):
to know that is having somebody lookat it. So that's what I want
to do. And again, insteadof giving her the old tap dance like
the Better Business Bureau, We're goingto actually send someone out there. By
the way, I want to askanyone in the universe. Yeah, we'll

(01:34:42):
go out to the universe. Whohas ever had the Better Business Bureau send
a contractor to their home to checkthe work of one of their members.
Who's ever done that? Has anybodythey're on their side? Well, I
don't know if they're on their sideor not, but here's what you get.

(01:35:03):
They're looney, that's what you get. So here's what I'm gonna do
for you. Seriously, let's getserious now on a couple things. First
and foremost, I'm gonna have Genesis. We're gonna have Mark Schamansky go out
there if he'll do that for us. If not, we'll try to get
somewhere. She located in Centennial.Oh okay, good, so, Kachina.

(01:35:26):
Let's ask Mark to take a lookat this. Now. The next
thing I want to ask you about, how's your husband doing? My husband
died March thirty first. Oh mygod, I didn't know he already died.
I'm so sorry. Ah, well, Janet, are you feeling overwhelmed

(01:35:50):
by this stupid thing? I don'twant this to have I don't want this.
You have any if actually called melast week, she said that they
would be here to to do work, and I said, okay, and
no call, no show. Janet, do you have a lot of Do
you have a lot of open constructionaround your house? What do you mean

(01:36:11):
here? Hold on, hold on, Let's get Mark Samanski out there,
see what we can do. Let'stake this one step at a time.
Three oh three seven one three eighttwo five five, don't forget eight eight
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for any plumbing issue twenty eight bucks. They'll come out for your electrical panel

(01:36:31):
twenty eight bucks. Whatever you haveto come out, they'll do a basic
service water heater twenty eight bucks.And if you need anything else that twenty
eight dollars is credited. That's eighteight eight heating dot com a great company
three oh three seven seven zero twoseven seven six. Go with a sure

(01:36:53):
thing Denver's best roofer Excel Roofing dotcom. You don't pay a cent until
you're content. Wait time for aninsurance checkup free, no obligation. In
comparison, call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three all three sevenseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to

(01:37:16):
list your home with Remax Alliance threeall three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter Dallasis in the dark. I think
it's only less. It might beout by now, But how cool is
that? You know? I experiencedthat with Ross Kaminski and Shannon went with

(01:37:39):
us. We went out. Iwent out in my helicopter in twenty seventeen,
we landed in a field. Wedid our shows. Honest to goodness.
I wanted to go this year,but yesterday it was pretty apparent with
the winds in the weather, Iwasn't going to do it. Sucks,
just sucks anyway. Mark Simansky's onright now with Genesis Totalexteriors dot Com.

(01:38:02):
I want to talk to him aboutsomething. Hey, Mark, this is
this is a prime example of peoplegetting taken advantage of. Janet hired a
contractor and she signs a contract upfront, which is what you want. But
the contractor has that wording in thereabout supplements that she approves the contract and

(01:38:27):
any supplements, so she doesn't haveto sign each and every supplement. When
they find more work, then theydo it. Now, there's nothing wrong
with that if truly there's more workto be done, because that's what you
do, right. Yeah, thecontractor shouldn't take it upon himself to say,
Okay, I found this extra work, We're going to do it without

(01:38:48):
talking to the homeowner. It's stillthe homeowner's home and they should make the
decision if they want this. Okay, not good point, Good point,
Mark. Now the original estimate waseighteen grand. It's now over forty.
She's a little concerned, and Itold her she's in Centennial. You could

(01:39:08):
swing by there. They're supposedly doingthe roof. They found some window problems.
She's very, very concerned, andshe was recently widowed so in March.
I mean, it's not a she'sall by herself. She needs our
help. And what I'd like youto do is just give us a general
idea of what that job looks like, because hey, if it turns out

(01:39:31):
it's good work, I know you'lltell me. You know, of course.
Yeah, Hey, Janet, Markis the one that will be coming
out there. Do you hear me, Janet? Yes, yes, sir,
I'm here. And you said oneof the problems you didn't one of
the things you did not like wasthat window repair. Right, you said

(01:39:55):
there were cracks in the window orholes. No, it's not in the
glass, it's the it's in thebottom strip. No, that's I know
what you're saying. Yeah, butthey put some trim over it, you
said, right, right, sometrim around it. The windows? Are
they vinyl windows? Yes? Thatdoesn't sound right to me, but Marco,

(01:40:15):
look at it. Genesis tootalexteriors dotCom. Hey, Mark, going
back to what you said real quickthough. I mean, if you're doing
a roof and you run into anissue with the roof, you would do
the supplemental without anything else. Right. Well, yeah, well what happened?
You know? Here, here'd bea great example, Mark, is
you you pull the roof off andyou notice that some of the decking underneath

(01:40:38):
it, you know, substandard,is deteriorated. Yeah, you go to
home depot and you go get asheathing, a piece of plywood, and
you put that on. You fixthat repair because you know you got to
get that roof dried and so thingslike that. Yes, but I'll say
if you're like, now, let'ssay, well we're doing your roof,
but oh we notice your windows arebad and we're going to do something,

(01:40:59):
you should have a kindnversation. Man. I agree. All right, So
we're gonna hook you. We're gonnawe're gonna hook you up. Kaschina is
gonna tell you that address and stuff. Genesis tootal Exteriors dot Com three O
three six seven nine eight five zeronine. Thank you very much, Mark,
I have to take this break.We've got more coming right up,

(01:41:23):
Go with a sure thing Denver's bestroofer 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, callCompass Insurance Paying too much your coverage at
dozens of insurance companies find out nowthree oh three seven seven to one.
Help. You'll think you're his onlycustomer when you choose Frank durand the real

(01:41:46):
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. HiTom Martino, your troubleshooter three oh three
seven one three talks seven one threeeight two five five. All right,

(01:42:08):
sonya, what's going on? Hi? I've lived in Denver since two thousand
and well, I bought a housein two thousand and nine in the city
of County of Denver, Okay.I have a neighbor who is extremely evil.
So we have a fence, rightmutual fence in the back. Well,

(01:42:29):
according to her, she bought it. She paid for the fence back
before I moved in. Anyways,fastward to now the fence is coming down,
blowing down and whatnot. So I'veput pickets up, we've fixed it,
we've done it. Well, she'lltake them down and go throw them

(01:42:50):
on my front port. Noll.Wait a minute, Wait a minute.
When you put the pickets up onthis fence, what do you mean she
takes them off? Are they nailedon top of the fence, So there'll
be some of them that fall off, So like there's a hole, So
there's like three or four missing,right, And you put new ones up
correct where it's flush with her,you know, her side, so it

(01:43:12):
looks like right, you know,they're just new, just a different color,
and she literally tears them off,yeah, and puts them on my
front porch. Yeah. But why, I mean, there's got to be
a reason. No one in theiryou know, right mind? Does that
plush? Why does she not likeyou fixing them? I mean, I
want to ask a few questions.First. Is this fence really old and

(01:43:34):
ugly? Ah? No, she'sa young I so in two thousand and
nine when I moved in, I'venever seen her ever, No, not
her the fence. Oh yes,it's old. Sorry, hold on,
sorry, sonya okay, that's funny. That's really funny. You thought I

(01:43:54):
was asking if she's old and ugly. Hold on, Sonya, I do
want to talk about this because Ihave some ideas. Usually fences are not
right on the fence line, whichmeans you could put up your own.
We need to explore that there's usuallya setback unless it's a very old property.
That's one of the things we'll talkabout. We may have some other
remedies. Hang on, I'm Tomno more coming up on the Troubleshooter Show.

(01:44:17):
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You
don't pay a cent until you're content. Plea time for an insurance check up,
free no obligation comparison call Compass Insurancepaying too much your coverage at dozens
of insurance companies find out now threeO three seven to seven to one help.

(01:44:38):
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three three nine two zero
sixteen twenty two ripped news. Youdon't have come running just as fast as

(01:45:02):
we can. Shooter's gonna help,come man, This is the Troubleshooter Show.
No Tom Martino, Hey I'm TomMartino. Welcome to the show.
Three O three seven one three talkthree ye old three seven one three eight
two five five. This are broughtto by Frank Duran, the real estate

(01:45:24):
Man dot com for your market analysisof your home, what it will sell
for based on the neighborhood, thehouse, the comps, the interest rates.
Frank will give you a pretty accurateprediction or assessment or analyst, anal
or excuse me, evaluation three ohthree nine two zero sixteen twenty two.

(01:45:47):
Frank durand the real Estate Man dotcom. Well, Mike Wink is with
us from the Wink Law Firm andhe does bankruptcy law, and we had
a number of questions for him.But there was a question about a chapter
thirteen over a chapter seven. Achapter thirteen and a chapter seven. Could

(01:46:09):
you, in a very basic waydescribe the difference? Sure? And then
after that I want to ask whyanyone would do a thirteen. So first
and foremost, explain those in avery simple way that we can understand that
sure. Chapter seven bankruptcy is aproperty based bankruptcy that can cost you based
upon your property. Law says youget to keep certain property and if you

(01:46:31):
have property that's not on that keeplist, A trustee can take it from
you, liquidated for your creditors.Whatever's left doing is wiped out. Okay,
So basically then you normally it's calledliquidation. Right, So if you
have anything, you don't get tokeep anything valuable? Right? Oh?
No, No, you get tokeep lots of stuff. In fact,
most cases in Colorado, most Chapterseven cases in Colorado, the debtor keeps

(01:46:55):
everything. We call that a noasset case. That is the most county
emb by everything. Give an example, they don't keep one hundred and fifty
thousand dollars piece of art. No, no, you get to keep six
thousand of household goods in fifteen hundredof clothing and two thousand of jewelry,
fifteen thousand of motor vehicle equity toon a fifty thousand of home equity,
that kind of stuff. And Ikeep one case a retirement to keep what

(01:47:16):
is called exempted property, right,yep, correct, okay? And what
is exempted as far as financial instrumentsinsurance? What about annuities. If they're
in a retirement account, they're protected, and if they're not, they're not
protected. But in a qualified planthey can't make you cash that in.

(01:47:38):
That's correct. If it's if it'sa risk of qualified totally protected. Well
what if it's just a qualified plan, not a risk of for example,
like a not a like an iraan iray is protected any any basically qualified
retirement accounts are protected. But ifyou have an annuity or an investment account,
you know, then that wouldn't beprotected. Crypto typically not going to

(01:48:01):
be protected. How about unless theannuity is a qualified annuity, right because
there are so okay, got it? Nowns are not right? Well they've
now they changed that. They addedso you could do you could protect up
to one thousand dollars of firearms.Wow. So yeah, yeah, so
for you generous which call them generousexceptions, Yeah, cenerous exemptions. Absolutely.

(01:48:24):
They rewrote the law in April oftwenty two, and in doing so
they bumped up the homestead equity,which was huge, to two hundred and
fifty thousand from seventy five thousand.And if you're sixty year older or disabled
in the home then it's it wentfrom one hundred and twenty five to three
hundred and fifty thousand. Hey,no, you would get to keep exempt
at property otherwise you get rid ofit or whatever you're done. That's correct,

(01:48:46):
that's correct. And then thirteen isa payment plan where you're going to
be making payments into a to thetrustee is going to be distributing proceeds for
three to five years. Now,the amount you have to pay can depend
down income assets or certain types ofdebts. So for example, certain types
of taxes have to be paid,doesn't matter how affordable that is for you.

(01:49:10):
One reason that people file thirteen isif they're going to lose Let's say
you have three hundred thousand of homeequity and you can only protect two hundred
and fifty. You can go intoChapter thirteen, keep your home, no
risk of losing your home, andpay that fifty off in the three to
five year payment plan. Now securedproperty in both seven and thirteen, you

(01:49:30):
still have to keep the debt stillsurvives bankruptcy. Yeah. So the when
you said, what are some ofthe dumber things you hear? One of
them is what people say, well, I didn't put my house in the
bankruptcy, or I didn't put mycar in the bankruptcy. It is always
in a personal bankruptcy, always,always, always. However, most of
the time. The debtor gets tokeep that stuff right. And if there's
a lot, there's a lien onit, then you got to keep paying

(01:49:55):
the lien. Yes, the carloan or the mortgage. Do you have
to reaffirm it? No, wellyou do not. That's another thing people
do that they don't have to do. That's correct. That's correct. Now
people say, well, I reaffirmedit so I wouldn't lose it, but
I've heard it's against public interest forthem to foreclose on a car or a
home. If you're making your payment, that's correct, that's all correct.

(01:50:18):
Could you explain what reaffirming is?Sure? Sure? So when you file
bankruptcy, Let's say your car loanis like a two part transaction. It
has a note and a lean right. So when you file bankruptcy in chapter
seven, the note is discharged,but the lean remains right. So simply
stated, that means you want tokeep your car, you got to keep

(01:50:39):
paying for it. If six monthsafter bankruptcy the transmission goes on a car,
you don't want to pay to fixit. The lender could take the
car, and if they get lessfor it than you owe, you're out.
You don't have to worry about thatso called deficiency liability because it was
discharged in your bankruptcy. Whereas ifyou reaffirm that that loan while you're in
bankruptcy, and that's saying, scenarioplays out now, they can hold you

(01:51:01):
liable for whatever the deficiency was becauseyou signed back on to the promise to
pay. Yeah, so there's noreason to put your ass back on the
line if you don't have to.Now, a lot of lenders don't like
that, and they'll even send youa notice saying, you know, thanks
for going through our congratulations on goingthrough bankruptcy. If you'd like to keep

(01:51:23):
your car, here's a reaffirmation agreement. It doesn't say or we're going to
take it. But people get trickssometimes, Mike, Yeah, and we
do them. The scenario that comesup where we do them, which is
kind of a tricky thing. Youprobably know about a time called cross collateralization.
Yes, so if you have acar loan at a bank where you
also have other debt that car loanand the lean will say that your car

(01:51:47):
is collateral, not just for thecar loan, but for every loan you
have with that institution, and itis, and that's called cross collateralization.
Most bigger banks like Chase and such, they don't really play those games,
or at least try to enforce it. But your local credit union will definitely
try to enforce it, and soa lot of times we'll negotiate, we'll
reaffirm the car loan in exchange fortheir waiver of cross collateralization. So then

(01:52:12):
you keep your car by just havingto pay the car loan rather than having
to also pay the credit card orsomething. How does that exemption work if
let's say it's a husband and wifeand the husband is doing the bankruptcy only,
and the house is in both oftheir names, right, I mean,
and let's say it's one hundred percentequity. Let's say they don't even
know a nickel on it, butthe wife owns half of it. Right.

(01:52:33):
So the homestead exemption is unique inthat there's only one per property,
Okay, So it's not like youand your spouse each get one. Okay.
So the first three hundred and fiftyor tw hundred fifty, whatever the
exemption is, that's that's the baseline, and then the equity over that half
of it's your exes or half ofit's your spouse is and half of it's
yours. So that half is thepart that can go on in this state.

(01:52:56):
Now you can have like a youknow, a contest between the trustee
and the non filing spouse, thetrustee trying to get force and to sell
and it's it's a stressful situation.Normally we put that person into chapter thirteen.
We filed thousands of case. Hasnever had anybody lose a home,
and I'm not about to start thatnow. Okay, now, Anthony,

(01:53:16):
go ahead, Anthony, welcome,You're on with Mike wink Hi, Tom,
thank you. I just had aquestion. I'm actually about halfway through
a chapter thirteen with a five yearrepayment. We didn't do a chapter seven
because the attorney that we went throughtold us we didn't qualify for a seven.
Why would someone not qualify for aseven. Let's talk about that.

(01:53:40):
Too much income, that's that isthat would be the reason. Almost What
is the income limit on that?Well, it's basically so it starts with
just a gross income limit, whichwe compare your your household income to the
median income in your house and yourhousehold based on your household size. So
for a single person, it's sevenseven thousand, it's about ninety thousand for

(01:54:01):
a two person household, one hundredand ten for a three person and so
on, And so you probably hadtoo much income above that, above that
threshold to be eligible. Now,if you're over on the gross you might
still have you might still be eligiblefor chapter seven if your so called disposable
income is low, which means you'vegot large allowed expenses, say like domestic

(01:54:23):
support. So there's some people whomake a lot of money, but they
have to pay a lot of moneyand child support, and then basically that
child support shields their income. Sothey may still show that they can't afford
to repay creditors in a Chapter thirteenand be and then be eligible for Chapter
seven. Got okay, that answeredthat question. Hey very much, Anthony.
Talking about chapter thirteens and sevens,how many times to what would you

(01:54:46):
say the rate of not going throughwith to chapter thirteen and they end up
in a chapter seven fifty to fiftyninety ten. Well, that's right.
So typically let's say, I wantto say fifteen twenty percent of Chapter thirteens
are going to be dismissed because thedebtor fails to make their plan payments.
Oh so not much, but itdoesn't. That doesn't push you into a

(01:55:08):
thirteen. Right if you weren't likethis guy that called, if he wasn't
eligible based on income when he filed, he can't convert to a seven,
right that case, will never beable to convert to a seven. He
could dismiss if his income changed.And you know, but but yeah,
so about fifteen percent of thirteen andsevens like two percent or one percent,
and to dismiss almost almost all ofthem? And in discharge is the exemption

(01:55:29):
for the house or for the homemark. We have to take a break
hold on then, and Sonia,I haven't forgotten about you and the fence.
We'll come back to that and morecoming up. If they go with
a sure thing Denver's Best Roofer Excelroofing dot com. You don't pay a
cent until you're content. Time foran insurance check up, free no obligation

(01:55:56):
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three all three seven sevento one help. You'll think you're his
only customer When you choose Frank durandthe real Estate man dot com to list
your home with Remax Alliance three allthree nine two zero sixteen twenty two a
heart radio station. Okay, Sonya, haven't forgotten about you. Let's talk

(01:56:24):
about that real quick, Sonya.So yeah, did you check to see
if that fence is on the propertyline, like when you bought your property
a few years ago? Actually youbought it back in nine I'm sorry,
not a few years ago. Whodid she own it since then? Or

(01:56:46):
before then? Before then? Okay, so is that fence on your property
line? I am not one hundredpercent sure. This is some thing you
need to check, and I'll tellyou why. Most of the time fences
used to be put on the propertylines. They used to be really old

(01:57:06):
ones. But then with newer zoninglaws there were setback requirements, and the
reason they did that was to keepthis from happening. So somebody would put
the fence. There would be afour back or a four foot or six
foot a setback or a ten foot. If there's a setback, you can
simply put up your own fence andforget about it. If there's no setback,

(01:57:30):
you can put up your own fenceanyway a foot inside hers and just
leave that piece of property there soyou don't have to mess with her.
That's the quickest solution, yes,But there's a little bit more to the
story. And what is that likeif we, for instance, my brother
went up to go fix the fenceyesterday and she's like, you're on my

(01:57:53):
property. Get off my property.And my brother's like, hey, we're
just trying to fix the fence here, you know, and she's like,
get off my property. And thenthe other thing that we noticed, it's
a big so on you that hasnothing to do with what I just said,
correck, okay, meaning that shecan keep you off her property,

(01:58:15):
okay. In other words, shecan't keep you from putting a fence up
on your property. Okay. Ifyou if you made it so there was
let's say a foot between the fences, okay, Now you could nitpick saying,
well, why should I have togive up a foot of my property?
Blah blah blah. I mean,obviously, but if you want a
quick solution, you can put afence up. Well, actually you can

(01:58:38):
put it up within inches of herfence. You can do it, but
you won't be able to service it. So it's best to put a fence
up, But first see if there'sa setback. If there is, then
then you should set back. Ifnot, then do whatever you want.
But that's the quickest solution. Thenshe would have nothing to say. Ever,
if her fence completely fell down,it would not affect you. She

(01:59:02):
can keep you go ahead. Thereason why, also why I was calling
is because I mean, we havewe had to have put cameras out because
of the situation. Well we noticedthat, because what do you mean,
hold on, why do you haveto put cameras out? I don't understand
why, because she's throwing nails underthe cars. Now, well, that

(01:59:25):
has nothing to do with the fence. I mean, that's just you just
call the cops for that. Yeah, I was just calling to get helped
as like, this is terrible.There's nothing worse than having a bad neighbor.
I feel for you. But rightnow, the fence is one issue.
But where does she throw nails?That? You said that was a
back fence. So she's not evenalongside you on your street? Is she's

(01:59:50):
to the uh else of me?Okay? And uh so she has she's
had she's starting to have issues withmyself and the neighbor across the street.
So she hit the neighbor across thestreets car, and well, do you
guys call the do you guys callthe police? Well, when we look

(02:00:12):
at the camera, you can't yousee her out there, but you can't
technically see her doing what she did. So when she hit the neighbor's car,
it was at like five thirty inthe morning, you fear her get
out, she hits it, youfear get out, looks at the car,
looks at her car, gets backin and drives away. So I
guess I was just calling you morefor like neighborly advice, Like, Okay,

(02:00:34):
here's what you do. Here's someno, here's some advice. Okay,
really and truly on the fencing,you know how I feel about that.
Now, as far as someone breakingthe law, you have to get
evidence and you have to call thecops, or you have to sue her
civilly for damages, but you stillhave to have proof. You can go
either way criminal or civil. Andfor example, if they do damage and

(02:00:58):
it's under seventy five hundred, youto small claims court, okay, and
then you'll see how that stops it. Hey, what started with anyhow?
What started this? This Hatfield McCoything. I have no idea. I've
been there for two thousand and nine. I had my nieces moved in with
me, and she has boys,good excellent boys, been in football,

(02:01:23):
on a roll all that, andthey have cars. So I think she
thinks that the neighbors are too weretoo loud, and the people forking straight
are too loud. I get it. I have no idea. I have
no idea. I'm serious what Isaid, Sary. It's neighbors can ruin
your entire experience in life. Iswear to God. It gets to a
point where you don't even like goinghome. That's how it is. And

(02:01:45):
that's why I called, because Ididn't I know, you know a little
bit a lot more than I do. As far as like again, though,
there's no magic sauce. It's thatthere's strength in numbers. So if
you can get other neighbors, Mark, Mark, do you remember the neighbor
down and was it in Pueblo orSprings that she was out screaming at people
and pulling her hair out. Shewas the best man. Oh my,

(02:02:10):
kind of what this lady's doing?Yeah? No, this lady they had
her on video. She was justLooney Tunes, total Looney Tunes cop showing
up all the time. I'm prettysure she tried talking to this neighbor sonya
as a friend. Have you evertried, Yes, we have, and
she just tells us to get allher property, even one is on her
property. And the funny thing islike, if you walk up to her

(02:02:31):
property from her tree, it's pushedup the concrete. So I thought,
well, maybe I should go fallinto her on her personal concrete. And
she has a ton of cars outthere, but the city said we can't
do anything because it's on concrete.Is there fired cars, Yeah, they've
been out Those cars have been theresince I've lived there, since the past

(02:02:54):
fifteen years. He has an oldChevy Blazer. I don't know what to
tell us. Little actions can betaken, but only where damages are done
three O three seven one three talksseven one three eight two five five even
small claims court. By the way, you don't even have to hire an
attorney on that. Coming up,we're going to talk about the wins and

(02:03:15):
what they did to electrical and whatSolar UH customers can do about that.
This is one area where you're neveraffected. We got more to talk about
like that coming right up. Gowith a sure thing Denver's best roofer Excel
Roofing dot com. You don't paya cent until you're content. Time for

(02:03:41):
an insurance check up free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three oh
three seven to seven to one.Help. You'll think you're his only customer
when you choose Frank durand the realestate Man dot com to list your home
with Remax Alliance three all three tozero sixteen twenty two. Tom Martino your

(02:04:12):
troubleshooter three oh three seven one threetalk three oh three seven one three eight
two five five. I want totalk to uh. Let me get him
on here. Mark? Are youthere? Mark? You bet? Mark
is with UH pro bid solar andMark, we want to talk about uh,
the wins and what happened and allof that. Did you have solar

(02:04:38):
people call you saying thank god wehave the system? Yeah we did.
We actually had a few customers callthem from backup batteries as well. They
lost power if they don't have thebatteries, so they could have probably saved
a lot of essentials by having themand not having to throw a food out.
Now, there, Belle did thisa lot on a preventage of measure.

(02:05:00):
So it's going to happen again,oh, no doubt. And not
just for wins. It's going tohappen for all kinds of reasons. And
I wanted to ask you. You'redoing a special with battery backups in honor
of this event. What are youdoing? Yeah? Four point eight kill
a lot system in a five killlot batter that would basically back up the

(02:05:24):
essentials so you're not throwing food out. We can get you in that for
less than twenty thousand dollars after thetax credit. Holy Renew has a yeah,
Colorado Renew has a great loan onehundred and seventy five per month after
the tax credit. It's a heckof an opportunity. Wait a minute,
Wait a minute, how much?Now? That's so you're talking about a

(02:05:45):
complete system with battery backup for undertwenty grand or financing with that tax credit
of one hundred and seventy five bucksa month, So I mean, what
the hell that? Now? Iwant to ask you something though on when
you don't have battery backup and youjust want to use that solar system.
How much will that solar system coverof a regular house? So the challenge

(02:06:10):
with solar is even if if thepower grid is down, unless you have
a different setup with a transfer switchand they're called it eight pluses that have
small memory of battery. You can'tpower a lot with just that. In
order to have power backup, youneed to have a battery connected to your
system that auto training. No,no, I unders know, No,

(02:06:31):
I get that part. What I'masking is this on a regular day to
day basis, where you're not dependingon the battery on a regular day to
day basis, what will that systemcover in your home? Probably on your
average home, most of it up, you know, up to about seventy
five percent. On a larger home, you're going to want a larger system.
But again that backup battery, youonly need a five A battery to

(02:06:55):
back up to yourselves. I getwhat you're saying. How long will it
backup? Those essentials is lawns,the sun to shine, and so what
you're really doing is you're powering yourhouse with the solar and the back Oh,
I get what you're saying. Ofcourse, of course. Yeah,
and then at night you're running offof that thing because I'm not running microwators
and washers and dryers, you're runningyour refrigerator and certain things. Okay,

(02:07:19):
gotcha? And is this a smartsystem where it picks the essentials? We
pick them for you. We putin a critical loads panel and that basically
is just like a being subpanel foryour home. The power goes down,
we make sure those circuits are backedup. Have you gotten calls since the

(02:07:40):
wind about it? Oh? Yeah, we've gotten quite a few calls about
you know, how can I dothis? How can I? How can
I not let this happen again?Right? Especially and by the way,
a lot of people are alarmed.Yeah. And by the way, Excel
and I don't know. Probably totheir credit, they they were proactive and
started doing some blackouts where they assumedthe lot lines were to come down anyway.

(02:08:01):
So we did do that, andthat's a big good reason. The
Marshall fire was a big reason forthat. They did not want to face
a situation like that. Again,Probdenergy dot com talk to Mark or someone
else and they do it. Theydon't just do the sales, of course,
they actually do the installations. Andservice three zero three six' two

(02:08:22):
three fifteen thirty one. Thanks Mark, I appreciate it. Thank you very
much everyday. Yeah. Thanks.So that is what we're talking about,
is solar backups as a result ofthe wins. Now we talk about it
for all kinds of reasons. Justreducing your bill. That's an incredible thing.

(02:08:43):
If you're paying one hundred and seventyfive bucks, even on a loan,
and it's covering most of your electricyou're going to save money right off
the bat. Or. Of course, if you have the cash, you
can take some tax credits. It'sunder twenty grand, so that's pretty cool.
Did Mike Wink leave Did he haveto leave? Yeah? He did.
Man, he had a court date. Ah yeah, because he's an

(02:09:05):
attorney creditor. Two. Now let'stalk about, uh, some crazy stuff
that I want to talk about.Did you did you know that people claim
that the eclipse can affect their mentalhealth? Now, I don't know why

(02:09:26):
they would think that, but Idon't get it. Does anyone get it?
How the eclipse some people had tostay home from work and they called
in I don't call it, whatdo you call this? Nutjobs? They
had to stay home because of thenegative effects of the eclipse. Yeah,

(02:09:48):
and you thought we were the onlyones that worked with Oh did I say
that out loud? I'm sorry?No, Seriously, So what would we
have done if if Kachina called inand said she couldn't work because of the
eclipse? What would have happened?I don't know. You know a lot
of people do think it's end timethough, I mean, you know,

(02:10:09):
as described in the Bible. Somaybe they're they're so convinced this could be
the coming or the resurrection or whateverthey get off freaked out the eclipse.
Yeah, the eclipse happens many times, many many times. It just so
happens that over a particular area,it doesn't repeat for a while. Yeah.

(02:10:31):
As far as Walmart, Walmart's beensued a lot lately, as far
as self checkout. They're saying thatthey're they're and I'm not saying this is
good or bad or other. Imean, people are actually getting pissed that
Walmart is cracking down on shoplifting.How do you get pissed at that?

(02:10:56):
How can you be bad at That'severybody though, Man Target's doing the same
everybody, but he's closing down thoseself checkout lands. They just lose too
much money. Now, also,we're being told that Walmart was sued by
a consumer who claimed that for yearsthe company manipulated the weight and the price

(02:11:18):
of packaged meat, poultry, andfish. And they actually went and did
some weighing and all of that fortheir evidence and brought that. For example,
turkey was supposed to be in oneinstance, they have ninety eight cents
a pound according to the sign,but they were actually marked at the register

(02:11:41):
when it scanned it one. Howmany times have you ever checked the scanner
based on the pricing on the aisle, hold you have to have a scale.
Well no, no, not thaton that one. I'm not talking
about that one. As far asthe that was the price per pound.

(02:12:01):
Oh, I see what you're saying. I don't know if they knew what
they meant was the price marked aton the aisle per pound. They the
price the poundage marked on the meattimes what it should have been came out
to be less than they were actuallycharged. I don't think in their meat
department. I don't think there's signslike you're thinking anymore, you know,

(02:12:24):
like rib eyes whatever. Well,this this lawsuit that I'm looking at actually
has the signs It says so muchper pound? Huh, isn't it?
And it has a yeah did yousay some supers? Yeah? Isn't it
a class action lawsuit? Yeah?The Walmart the pound stuff? Yeah,
well yeah, but it was itwas first brought by this one guy.

(02:12:45):
You're right, and then and thenit turned out to be a class action,
a big class action. And whatthey're like, they're claiming they went
back in time. But I don'tknow how you get members of a class.
For example, do you say because it happened to me. Then
you put out the word that anybodywho a shop meet over the last so
many years, because that's usually howthey find members of a class. They

(02:13:07):
say, hey, if you've everdone this, or if you've ever had
this car, or have you ownedthis camera, or if you owned this
whatever, the chances are you wereovercharged. Walbarton denies any wrongdoing, but
they will probably enter into settlement.It says forty five million bucks. I
know it. I just saw that. Forty five million and then we people

(02:13:31):
have to submit a claim by June. June fifth is the deadline to submit
a But how do you submit aclaim? Do you like have to go
and have pass receipts. I've oftenwondered how you find the right people in
a class with something like this,like would you ever put an acclaim?
How would you put an acclaim?And how much are you owed? That's

(02:13:52):
the point you got to hit thelink and go see it. But if
you want to submit a claim,there is a place to go. And
what it wants to see is whenyou've shopped what you shop for and I
guess they calculate some kind of aloss. You know what's funny about that?
What's that? Think of this?Man? I just I started thinking,

(02:14:13):
why would they do that? Howwould that get proved? I'll tell
you why the retailer makes around onepoint five six billion dollars in one day.
Hmm, Well think of that?I know three all three seven,
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(02:16:11):
and that is bearing out when itcomes to shoplifting, because all over the
country. Stores that were not doinganything are now actually doing something. And
what's amazing is there are actual lawsuitsfrom people who were stopped from stealing and

(02:16:33):
claimed it was defamation of character andit was defaming in some way even though
they were walking out with stuff.Now, how you reconcile that, I
don't know. In fact, Idon't even know how how anyone could even

(02:16:54):
get an attorney to represent them.But there, if you look it up,
there are people suing because they werestopped leaving a store with unpaid merchandise.
What would be the claim that youprofiled me? Yeah, I profiled
you. You had bulging pockets andyou had stuff hanging out your cart and

(02:17:16):
no receipt And speaking of receipts,some companies are going to the model of
costco checking receipts on the way outthe door to see that you paid for
things. And there are civil rightsactivists saying this is wrong. Now,

(02:17:37):
I have never been able to reconcilewhy trying to stop crime is somehow racist.
I've never figured that out. I'venever figured it out, or profiling,
but that seems to be what peopleare saying in some of these advocacy

(02:18:01):
groups. By the way, whenwe're not here, you can call us
at three oh three Martino, threeoh three six two seven eight four sixty
six and leave a message. Pleasedo that and we will put you on
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