The Troubleshooter 6-12-24

Episode Transcript

(00:00):
Yeah, ripped up needed that,so you don't have come running. Just
as fast as we can. Shooter'sgonna help come. Man, this is

(00:21):
the Troubleshooter Show. No Tom martinoo. Hello, Hello, I'm Tom Martino.
Welcome to the show. You mightbe you're streaming. You can see
Brad O'Brien here from O'Brien Legal Services. We're here helping you to solve problems,
answer questions, say complains. BradleyO'Brien is in real estate law.
I love talking about that as well. Real estate is a it's a really

(00:44):
good thing to do when it comesto of course, uh, not just
living in it, but investing init. And then uh, Steve the
painters here doing my front door,and Brad just brought up something. He
says, Tom, are you noticingthese fumes? I'm getting a little high
here. No, I got toturn on my hull house fans. See.

(01:06):
I got I got everything I gotSteve the painter, I got a
QC hull house fan. I canI can plug everything in the world by
talking Brad O'Brien as a client.No, seriously, I hope you call
us about any problems you have,questions and complaints and is my compadre is
uh Mark on three O three sevenone three talk seven one three A two

(01:30):
five five Channon? Did Mark signon today? Is he he had the
helm of the last few days.Cassandra wants to talk about an issue with
a dentist. By the way,this hour brought to you by your people
at waterpros dot net for the bestwater systems ever at the lowest prices,
Paul the waterman waterpros dot net.I can't say enough about it. Right

(01:55):
now, they're finding all kinds ofcrap in water, including the chemical that
Parkins's disease. Every day it seemslike they discover more in water that's fresh
water as well, people because ofthe runoffs. Three h three eight six
two five five five four is Paulat towaterpros dot net. So anyway,
welcome and let's talk. Let's goto Cassandra. Now, Cassandra, what's

(02:20):
happening with your dentist? Cassandra,Well, back in December twenty twenty one,
I went into the dentist because Iwas going to have hip replacement surgery.
So wait, wait, wait,you went to a dentist because you
were having hits listen, I hadto have the teeth fixed before I get
my hip replacement. Okay, anyway, okay, So anyway, I started
this process and twined December twenty twentyone. I still don't have. We

(02:45):
opted to go with the upper implantand put a snap indenture. Yeah,
and that was ten thousand dollars upfront. He was paid in full up
front. Why would you have topay up front? I don't know,
but that one requirement. Now,what about your lowers? I'm just curious
about that. I still have morethan half of them? Okay, what

(03:07):
happened? Tell me what went wrong? Well? What went wrong was that
on May tenth, because I wentin for impressions beginning of February of this
year, which we hoped would bethe final. This is taking forever,
and well, yeah, why isit taking so long? Well because the
lab he was sending him to downin Florida are absolutely ridiculous. I mean

(03:28):
there was minor two. So youfinally got impressions a few months ago.
Well, that's like the fifth setof impressions. Because I don't know what
the problem is here. But heup and closed his office on me.
I went, I was trying toyou By the way, let me ask
you this, do you have theimplants though, you do have the implants?

(03:50):
Yeah, those are in Yeah,they're in my job. Yes.
Now he did those right, Well, he personally didn't, but the dentist
that was working for him, doctorPivots did. That's what I'm so for
the money that you paid, howmuch did you pay up front? Ten
grand? Pay? Okay, andyou got four implants so far? What
else did you get? Well,you got five implants, Yes, I

(04:13):
do, because I'm a little olderand osteopenia or whatever it is that makes
your bone loss kind of yeah,so you had to put five of them
in. Anyways, what was sohold on? What I'm trying to get
at is this let me let mejust cut to the chase, because I
think you know what I'm trying toget at. No matter what, if
the guy goes out of business,he sucks, he's out gone. As

(04:34):
long as you got something for thatten grand and you got if you got
five implants for the ten grand,you're not behind the eight ball. Well
that's not true because I've only gotpart of the implant. What's actually in
the job. There's another piece thatgoes on and then there's a third piece
that goes on that actually snaps tothe denture. Okay, wait a minute,

(04:55):
So the implants that you have,the five that you have are s
bleed the implant into the bone andit doesn't have the adapter for the Dentis
there to two more pieces that haveto be at it? No? I
get it. They're adapters. Theyfor the restoration. You have the implants,
the adapters and the restoration, andusually you don't put on the adapters

(05:18):
until you have the restoration, sothey match. Well, No I have.
Okay, so I've got five piecesthat are in my jaw, and
I have three pieces that are attachedto three of the five. The OKQ
fell out because it was okay,so long. But here's what I'm asking,
and this is going to be crucial. Yea, did you get ten

(05:40):
thousand dollars worth of work? Now? Whether or not you like what they
did, if it was proper,did you in other words, if you
went to another dentist for exactly whatyou have? Five implants and three partial
three adapter three parts? Still youknow, just whatever is it worth ten
grand? Have you had another dentisttell you? I have not? But

(06:04):
we're only talking about those. There'sseventeen hundred dollars a piece for the little
titanium, the final piece, there'sseventeen hundred each. And I have documentation
to show all that. So youare you talking about the posts the Titanic.
That's what he's talking about. That'swhat she's talking about. She got

(06:24):
five posts. Those posts, Bobdoc are like two grand No, right,
I'm just trying to get a pictureof my head a little. I'm
sorry, only the little, tiny, tiny piece that goes Okay, so
you've got one piece that goes inthe jaw, and then you have another
piece of Cassandra, listen here,here's what I'm getting at. Okay,
Yeah, really, And I knowwhy you're calling because you know the guy's

(06:46):
out of business. But if he'sout of business, here's the question did
this guy? Did this guy doa malpractice or was he just a bad
business person? There's a big differenceand dan and cheap what's that? Well?
Yeah, but I mean he youknow, he said on his door,
when I tell me what you want, you can't tell me what you'd
like to be able to find theguy? I mean, I said,

(07:10):
why why? Well, because Ithink he needs to rectify this. Okay,
do you really want this clown?Do you really want this clown to
continue working with you? No?But I don't. I mean I'd like
to be able to get do something, to be able to he's only done
about twenty five hundred dollars worth ofwork. No, you're wrong. If

(07:32):
you don't have five posts, you'rewrong. I'm sorry we're disagreeing in this
one. Well we are because Ihave an on documentation that it was X
amount to pull the teeth, xamount to put the Wait a minute,
wait a minute, he pulled,he pulled your teeth, plus put in
five posts. And you don't thinkthat's ten grand? But there's no,

(07:55):
it's not in the doctor. Howmuch do you think it is, Cassandra.
How much work do you think wasdone? How much? About about
three grand? Okay, well,then here's what you do, Cassandra.
Call the dental board and make acomplaint and then take the guy to small
claims court. We can help youfind him, but you're gonna lose,
Cassandra. I can't. No,really, there's nothing I can do for

(08:15):
you. Okay, there's no wayfor three grand. You can't even get
okay, you can't get never mind, Doc, do you understand what I'm
trying to get at? I don't, Cassandra, You're not gonna go anywhere.
Even if you find the guy.The guy went out of business.
Okay, it's not malpractice. Youhave five posts, He pulled all of
your teeth. You don't have infection, you don't have anything. You're ready

(08:39):
to go from here forward. Iam telling you that the ten grand is
not a complete ripoff. Maybe,okay, maybe I'm overestimating. Maybe you
may be behind the eight ball bytwo grand. Maybe, Doc, what
do you think you've seen enough?You have enough friends were dentists. Do
you really believe that they can pullall her teeth and put in five posts

(09:00):
if they did nothing else, justfive posts and pull all those teeth that
she wouldn't eat up? Most ofthat tends it's at least ten grand?
Well, okay, and even ifit's eight okay, what do you want?
Do you want a two thousand dollarsrefund? You want a seven thousand
dollars refund? Go to small claim'scourt and lose, because Cassandra, listen,
I'm all about fighting for consumers.And what that dentist did sucked?

(09:22):
Okay, I agree with you onehundred percent, but you gotta move on.
You just gotta You're not going toget a refund. And I'm not
saying this because I don't want tohelp you. I do have the sixty
four hundred that I just found,the figure for the the extraction and then
the putting in the what does itsay right here? It's a surgical placement

(09:46):
of implant body and then the extractions. All of that came to'm sixty four
hundred. Okay. If that's whathe charged, If that's just six okay,
if you had that and he owesyou, okay. So if you
have that by contract, then hewould owe you I he okay, Then
you should use that contract to takehim the small claims court because, unlike

(10:09):
a regular corporation, if he abandonsyour care, I think you could win.
You need to help find him,right, You need help finding this
guy. Okay. Hold on,give all the information you have to Kashina
and I'll get sues, maybe sues. You can get one of our investigators
to find this guy. Okay.So let's see if we can help you
there. Three oh three seven onethree talk three oh three seven to one

(10:33):
three eight two five five. Youknow I don't blame I do not blame
her for being upset. I wouldbe two. I guess right. Okay,
so you can't You can't say muchabout that. By the way,
Frank durand the real estate Man willdo an evaluation of your home for the
asking. Frank Duran, the realEstateman dot com. You ask him and

(10:54):
he'll give you a complete analysis ofwhat your property will sell for without any
kind of obligation. Three oh threenine two zero sixteen twenty two. Go
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're content than timefor an insurance check up free, no

(11:20):
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven seven to one. Help.
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 oh three nine two
zero sixteen twenty two. Hey,I'm Tom Martino, your troubleshooter three oh

(11:43):
three seven one three talk seven onethree, eight two five five. Now
we're going to talk to Joe.He has an issue. Oh wait,
are you there, Joe? Didwe disconnect? No? I'm here,
Joe. Hi, Hi, what'sgoing on? Man? Well? I
had sent pictures and let you knowabout the problem I had with the window

(12:07):
installation job. Been in my housefor over twenty years, and then I
had these Marvinn Infinity windows put in. Now, they're supposed to be really
good windows, right, Yeah,that's what I thought. They were fiberglass
and that's why I chose them.Yeah. Now, hold on, when
did you have this done a littleover two years ago? And who did

(12:28):
it? It was Next Gen Windowsand Fort Collins. Okay, so next
Gen was a dealer, right yeah, distributor dealer there. And okay,
are you having a problem with thewindow or the installation? I believe it

(12:50):
is more installation than it is windows. Okay, because there is no doubt
that Marvin would stand behind the productitself, right, that's I would hope.
So no, I'm thinking they will. They have a good name.
Joe. What where is next Gen? And well, first tell me what

(13:13):
your problem is. What's the problemthat started in less than a week after
installation, and what I have isan extreme air leakage coming around or through
the windows and going to the outside. So hold on in the way.
So this air leakage is your mainproblem, right, oh yeah, yeah,

(13:35):
okay, And are you getting anymoisture coming in? Not coming in?
But when they heat, when it'sin the winter time and it gets
really cold, it blows through andaround the windows. It goes right through
the brick mold. Even I getit, and then it starts, Then
it starts forming moisture and condensation.Well okay, I gotcha. Now that

(13:58):
is definitely faulty, definitely faulty installation. So my obvious question is this,
did you call next gin? Oh? Man? Yeah, It's like talking
to a garbage can. So thesepeople have not had the courtesy after selling
you a house full of windows tocome out and check it. Well,

(14:20):
even before they come out, theymake excuses that humidity, the sightings rotten
and falling off. They didn't buildmy house, right, I could just
go on and on. Well,okay, listen, all of that.
All of that could be true.But if what I'm saying is this,
if they put in a window,the other ones weren't doing this, then

(14:43):
the new one shouldn't do this.They should be able to calk or seal
around them. Oh, I agree, one hundred percent. But when I
did a complete tear out, Ihad efficient wood windows, a full jam
window in the house for over twentyyears. Can okay, hold on a
second, Just hold on, Joe. I want to get an expert on.

(15:05):
Hey, I want uh Kaschina.Can you get uh Markman's Mark Shamanski
back on? And I want toask him a few questions about Okay,
hold on, Joe three all three, Oh yeah, just hang on marrow
three all three seven one three talkseven one three eight two five five.
Brad O'Brien, Brad, I'm wonderingownership. People are asking about ownership.

(15:30):
There's a new not new kind.There's a kind of ownership that I truly
did not come across before. ButI it sounds a lot like a joint
tenancy with right of survivorship. Okay, right, that's that's it. That's
but what is joint tendancy in itsentirety is that a separate form of ownership.
This is something someone asks about.Hold on, there, there you

(15:52):
go, bro So tendency by theentirety is something that other states have,
just a few states, but notColorado. Okay, Illinois has it,
and it's particularly it has. It'slike genant, it's like joint tenancy with
right of survivorship, and it's onlyfor married coup couples and it has but
it's for creditor protection. So basicallywhat it is is that the debt of

(16:15):
one spouse can't be pursued against theother co owner's spouse. Okay, but
what if they have joint tenancy withthe right of survivorship, can you go
after the one spouse? Yes,in that case you could go the creditor
could go after the ownership of theentire property. Really based on just one

(16:36):
right, okay, all right,So we don't have that here in color
No, I get it. Arethey doing away with it or just some
states have it, some don't,right, Okay. So joint tenancy with
the right of survivorship is one formof ownership for partners or married people or
people that want to own the wholeand it gets passed on. Now,

(17:00):
what happens then if there's a leanon that property from a creditor and the
person who owes the lean dies,does that other remaining owner who takes full
ownership still have to pay off thatdebt? Yes, the lean remains.
The lean of the person who diedremains on the properties. Can they die?
So I never knew this. Ithought that when you had joint ownership

(17:26):
or joint tenancy with right of survivor, you protected yourself from creditors. So
if let's say a spouse goes bankrupt, can you actually lose the home with
joint tenancy and right of survivorship?Yes, but we have something in Colorado
called the homestead exemption. Okay,and that alone is something that that deserved.

(17:48):
But okay, So absent of that, you could lose it technically,
yes, okay, So then ahomestead exemption. I hear about this all
the time, and can I attemptto make a very simple explanation. Is
a homestead exemption basically the part ofequity protected in all cases? Yes?

(18:11):
It is? Okay? Is thatbasically a simple explanation. It's a homestead
exemption exactly what it sounds like.There's a certain part of your equity no
one can touch, right like,for example, by the way it used
to be in Texas that no equitycould be touched none. In other words,
if it was home equity on aprimary residence. I don't know if

(18:33):
it's still like that in Texas.But do you know why I knew about
this in Texas because now my showwas on KTRH in Texas for a long
time along with other cities, andthere was a big scandal called Enron,
and a lot of these people withEnron transferred their equity into homes. They

(18:57):
would take their ill gotten gain andbuy a home, and the equity was
untouchable. So some of these scoundrelshad big giant mansions where they protected millions
of dollars in equity. Did theychange the law sits then? I wonder.
I'm just generally aware that the Texasand Florida have a homestead exemption that

(19:19):
covers the whole entire house right foryour primary residence, and so you can
have a two million dollar house,the whole thing's protected. Just my general
knowledge and know, and that's whatI think happened with Enron these people.
But I thought there were cries tochange it. I'm not sure. It
doesn't matter. Let's talk about Colorado. What is the homestead exemption in Colorado?
Right now, it's two hundred andfifty thousand dollars of equity is protected

(19:42):
from for a couple or for oneor for just a house either or okay,
just the house itself. There's oneexemption that an individual could have that's
the same amount if it's a couple. Now if the if the homeowner is
disabled or sixty years or older,is not too two and fifty thousand,
It is three hundred and fifty thousand. Wow. So nowadays someone could do

(20:07):
a bankruptcy and keep a home withthree hundred fifty thousand dollars of equity.
Yeah, except if the they theygive a mortgage and they gave a homestead
waiver. Wait can you wave it? Oh? Yeah, absolutely, now
you can wave it. When youwave it, do you wave it just
for that mortgage or when they foreclose, or do you wave it for everyone

(20:30):
just for the mortgage? Okay?And most mortgages have a homestead waiver in
there, so they can sue youfor the deficiency. In other words,
right, but another creditor can't say, Hmmm, that guy's got a lot
of equity. I'm putting a lienon the house. I'm foreclosing because they
won't get anything. Yeah, unlessthere's more than three hundred fifty thousand of
equity or two. When did thatgo up so high? But you know,

(20:51):
ten years ago or so, itused to be like seventy five thousand.
Yeah, but the legislature really bumpedit up significantly a couple of years
ago. So they're pretty much sayingthat it's sacred. Equity is pretty sacred.
Yeah, all right, that's reallyI did not know it was that
high. I'm going to talk toMarks Shumansky coming up with Genesis tootalexteriors dot
com, because really he does alot of windows and I really want to

(21:15):
know what the heck is going onthere. Three oh three seven to one
three talk seven one three eight twofive five. By the way, Dan
McKenzie is an estate planning attorney thatI hope you avail yourselves of. We're
talking real estate today. State lawis another very important part of law,
and Dan does it in a verylogical way, very very personalized attention.

(21:38):
He'll meet with you personally. Eightthree three co plans eight three three co
plans Go with a sure thing Denver'sbest roofer Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance cup free no

(22:00):
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens
of insurance companies find out now threeall three seven to seven to one.
Help. You'll think you're his onlycustomer when you choose Frank durand the real
estate man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. HiTom Martino here, Welcome to this show.

(22:26):
Three oh three seven one three talksseven one three eight two five five.
I'm gonna talk to Marks Shamansky nowfrom Genesis Total Exteriors about this case.
He's not he doesn't have any partof this case. I'm just asking
him as an expert. So Mark, Joe had some windows put in Marvin
Infinity windows. Pretty good window fiberglass. He had him done about two years

(22:48):
ago. Hey Joe, you haveit. You mentioned you have a brick
house. No, it's it's lapsighting. Oh I'm sorry. Okay.
Now you say almost a week orless than a week, you notice air
leakage around. In fact, youget so bad in the winter. The
cold air comes in around the windows. Are you going to say it freezes
or something. Yeah, it doeson the patio doors, but they didn't

(23:11):
seal them. Right, I hadwater coming in. I had two six
foot patio doors put in and itrained a couple of times right after they
put them in. They said theysealed them, but they didn't. And
I did Next Sheen did Next Sheen? Who did the installation? Did Next
Gen ever come out and inspect yourwindows? Well, they always come out,

(23:33):
but they would never do anything.They said, it's installed to their
standards. And they said that yourhouse is not built correctly. Is that
right? Yes? And I've gotthe original blueprints. It's got all the
stamps and a p. Did youhave it built, Joe? No,
it was somebody else. I boughtit used now, Joe. The wood

(23:56):
windows that were in there before neverhad air infiltration. I never had any
air infiltration. So I have asimple question. I have a simple,
simple question for Mark Schamansky, oneof our window experts Genesis Tootalexteriors dot Com.
Mark, if they didn't leak before, they shouldn't leak now now we're

(24:18):
talking air leak at you wouldn't youagree? Mark? Oh? One hundred
percent agreed, and I think it'sall they install. I'm ninety percent sure.
You know, windows come with afin on the edge of them,
on all sides. And I'm guaranteeingyou what they did with the old windows,
they took a saws all and justcut out the old windows and never
cut back the siding and install thewindows correctly. Well. And again it's

(24:44):
not that it's incorrect, it's justsomething I don't do. I don't install
my windows that way. But ifyou do, let's say you do cut
off the fins on the new windowseven and you just insert them, or
you get the windows with don't theycome without fins for brick and stuff.
You can order them without fins foryes of brickens. Do you think they
did that and and and put themin and then just it just needs to

(25:07):
be sealed around them. Yeah,I mean the best product is an OSI
foam that you know, injectable foamthat you spraying around the windows is what
you want to do. So Idon't think this isn't I don't think.
In other words, Mark, I'mthinking they don't have to redo the whole
installation. Are you thinking all hehas to do is get these things sealed.

(25:32):
Yeah, I think I think that'sright. I think I you know,
you can take whatever tram or brickmold is around there, take that
off and make sure it's properly installed. I mean, it's it's you know,
properly have this moment's hey, Joe, how many windows do you have?
I've got eight windows and two sixfoot sliding doors. Now is air

(25:56):
leaking on all of them? Ohyeah, yeah, and it's going right
around the window and through the brickmold. You've seen the pictures they've now
here's what I say. Here's whatI say, Joe. And it's a
very easy thing to do. Getan estimate to remove all the molding and
seal around the windows. Get anestimate. Yeah. But here's here's I

(26:22):
think part of the problem. Theyput about a two and a half jam
extension on because the mode windows werefour and nine fully jammed and they were
insulated from outside the inside. Buthold on, what does that mean mark
a jam extension? It's because thewindows thinner than the wall. And see
oh okay, okay, so theymade the windows. Why but you can

(26:42):
still seal them, Joe, whatdo you mean that's the problem. You
can still get an estimate for sealingthem. Right. Well, here's the
problem too, I says, Ican probably fix it myself. I got
Joe, what's the problem. Getto the problem, And the problem is
leakage. And if they've fully wrappedthat whole interior ro and fully insulate it

(27:03):
from inside to outside and see itall around because you got exposed to Joe
through it, keep going, you'renot finishing, keep going, And so
they have to fully rep that,seal it foment inside and then clear to
the outside. There should be fiveinches. They only put a couple of

(27:23):
inches of foam around the window,put the jam extension in tasing on like
a picture frame unit, and neverfoamed or insulated around the jam extension to
the window. So it's now holdon, Eric, Mark, do you
understand what he's saying and is hecorrect? I understand what he's saying.

(27:44):
Yes, I agree. You know, if there's only like an inch or
two of foam in there, thenit's probably not continuous. And yeah,
that could be the problem for sure. And then do they also flash above
the window and above the trim.Well, I made sure that they did
put a drip cap on it andthat's all there is, just like the
wood windows had. Right. Okay, So here's the solution, Joe.

(28:10):
When I tell you this and yousay here's the problem, I'm asking straight
up, you get or I'm tellingyou straight up, you get an estimate
for ceiling, and you keep sayingyou can. You can get an estimate
on what it will cost to sealthose windows? Is that right? Yeah?
But they tell me if I touchthem all the warranties. Boys,

(28:32):
Joe, you didn't let me finish. Now you can get an estemmet on
what it will take to seal thewindows. The warranty will not be affected
because Marvin is the one that doesthat, and if you're only ceiling around

(28:53):
a window, it will not interferewith the Marvin warranty. Once you get
an estimate, now you have damagesfor what I believe is a breach of
contract by next gen. So let'ssay it's gonna be under seventy five hundred.

(29:15):
I don't know if it will ornot. What do you think,
Mark? How many windows? Eightwindows do you think it'll be and two
doors? Do you think that'll beunder seventy five hundred to do all those
ceilings? Yes, I would thinkso. If so, then Joe,
you can sue them in small claimscourt for those damages. That is what

(29:40):
I would do. I would calla legitimate company, next Gen. There's
no sense they already said they're notgoing to do it. I would call
a legitimate company like Genesis or someonewho has time to do this repair.
Have them estimate the repair. Nowyou have damages that you make a demand
to Next Gen or Will and ifnext Gen says no, you're take in

(30:03):
the small claims court for breach.That's what I would do. Three O
three seven to one three. What'sthat, sir? Let me tell you
this. They've even had a servicemanager come out and I showed them the
pictures that I sent to you,and they looked at it and he goes,
oh my god, they're not installed. Right, okay, Joe,
another week or two okay, Joe. As I said, get your estimate,

(30:26):
call us back please. And ofcourse Genesis their number is three oh
three six seventy nine eight five zeronine. Go with a sure thing Denver's
best roofer excel roofing dot com.You don't pay a cent until you're content.

(30:52):
Time for an insurance check up freeno obligation. Comparison call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three oh
three seven seven to one help.You'll think you're his only customer when you
choose Frank durand the real estate Mandot com to list your home with Remax
Alliance three all three nine two zerosixteen twenty two. Hi Tom Martino here

(31:15):
three all three seven one three talkthree oh three seven one three eight two
five five. Uh, Premiere windowwashing U is uh going strong right now
with the good weather. This Premierewindow cleaning and pressure washing. We clean
windows dot so if you need agreat job, we clean windows dot COO.
They also do window tinting. Weclean windows dot co. Now let's

(31:37):
continue, and uh we have DeputyBo. He has a Camping World update.
Now I know Mark really really waspissed off at them yesterday. Bo.
Can you recap the original problem hereand I'll bring it up. Yes,
Lady named Melissa bought a camper fromcamp being World over a year ago.

(32:01):
Yeah, and PA thirty eight thousanddollars. And it hasn't she hasn't
been able to use it. Right? You know, I used it for
a few days. She went ona trip two days after they bought it
and it started getting moisture in thecamper, so they brought it back.
They found a lot of cracks,and now this camper was brand new,
So they sent the camper back toLance, which was the manufacturer, and

(32:25):
they had it for like four tofive months and then sent the camper back
and apparently she still has the sameproblems with the They didn't repair the cracks
properly and the jacks do not work. So she left the camper there because
basically it's unusable. So she's beentrying to get a hold of the people

(32:45):
at Camper Camping World to take thecracks in the roof they were in there,
she called. The cracks were inthe basement and in the walls and
basically in the structure. And whenthey repair I guess I just did a
superficial repair. They just codd itwith something and put in lag screws.

(33:06):
She sent pictures that looked like aso what are we doing? Will they
do anything about it? Well,Tom, Melissa's called over there four or
five times. I called six timesto talk to their service manager and they
just will not return the call.So what I did yesterday I did a
little research and found out that thisMarcus Leminas is the owner of Knight Right.

(33:31):
So Marcus is the one that doesthat show the profit. Yeah,
So I was able to get ahold of his corporate offices. Yesterday.
I talked to his secretary, toldher the whole deal, and I just
wanted to make sure I had therite number and it was legitimate. So
I followed up with a call withMarcus Lemanus's office today he's in Illinois.

(33:54):
Gave her the story. I justwanted to make sure I had to write
people, and he and Marcus's secretary, sheryls was very receptive, but she
wants the owner of the camper tocall them direct. Well, there's nothing
wrong with that, yeah, andthat's fine. So I called Melissa.
I told Melissa to call Marcus Lemanus'soffice this morning and tell them his office

(34:19):
the whole problem and hopefully says he'sthe owner of the company, he'll be
able to give her a refund orto get her and I think she deserves
a refund or a brand new camper. I do too, because she bought
it new and they can't use it. I mean they haven't had been spent
thirty nine thousand dollars and they can'tuse the camp they only use the camper
once. I mean, yes,why do you Why was Mark upset because

(34:45):
they weren't calling back or anything?Yeah, I mean, I mean,
she spent all this money, they'renot calling us back to not calling the
owner Melissa back, they just willnot return her calls. Okay, you
know, I mean I think theyshould go on this sleeves brigade if if
this, I think he was supposedlysupposedly going to turn this place around because

(35:08):
they have such horrendous customer service.It sucks. We get to help this
link we get every time we geta complaint. We hear the same thing
about Camping World. It used tobe pretty good. Then it went down
the hill, and then he tookit over, and we thought it was
going to turn around. But ithasn't yet. So let's wait and see
what we find out about this.I'm Tom Martino. We have more coming

(35:31):
up, and we have some realestate issues to talk about that I think
you're gonna be very interested in aswell. Three oh three seven one three
eight two five five Go with asure thing Denver's best roofer Excel Roofing dot
com. You don't pay a centuntil you're content. Time for an insurance

(35:52):
checkup free, no obligation. Incomparison, call Compass Insurance paying too much
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seven 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. Yeah, ripped you need advice?

(36:22):
Who you don't have? Come runningjust as fast as we can. Show
Shooter's gonna help. Come Man sixis the Troubleshooter Show. No Tom Martino,
Hi Tom Martino here, Welcome tothe show. Three oh three seven
one three talk seven one three eighttwo five five Here to help you solve

(36:45):
your problems, answer questions, takecomplaints, get your calls in for sure,
and we'd love to help you onanything that you need help with.
So don't let things fester. Ifif if you have a problem, a
question to complaint, someone lies,you, cheated, you, ripped you
off. We want to hear aboutit and we try to help you by

(37:06):
warning you. We try to helpyou by exposing the bad guys so other
people don't make the same mistake.And it's just the only show that really
talks about all of this stuff.Remember you can call three oh three Martino
twenty four seven three oh three sixtwo seven eight four sixty six. I
got an email, very curious,listen to this one. My name is

(37:30):
Alec and uh I use Jeff Jolliffe. Oh my god, Jeff Jolliff.
Anyone listening right now, go toYouTube look up Jeff Jolliff on my Troubleshooter
network page, or go to LinkedInor Instagram, the real Tom Martino or

(37:52):
wherever, uh, and you'll seea video about Jeff Jolliffe. Jeff Jolliffe,
replace my transmission. It doesn't work. We do not, under any
circumstances, want to return it forwarranty work. Well, of course not,

(38:12):
because when you do, it's eitherstolen or not fixed. And he's
not fixed. Dozens. I've spenthours researching him, his old companies,
his lawsuits, his complaints. I'dlove to retain counsel and file a lawsuit
against him. Man, you can, but it's going to be futility.

(38:36):
What happens you get a judgment?This guy is such a dead beee.
Really, the only thing for thisis me talking about not this email.
He's got to be arrested. That'sreally what has to happen. He has
to be arrested. Arrested. Itsays there is no shortage of individuals.
This man is scammed. Instead ofpursuing an individual lawsuit, what about it,

(38:57):
we just do something as a classaction. You know, as Brad
will tell you. Brad O'Brien's anattorney, class actions. A lot of
people mistake a class action and whatit's meant for this would this kind of
a lawsuit you're talking about would morelike be a joinder lawsuit where you're all
being ripped off by the same guy. Class actions are usually how do I

(39:22):
explain it, Brad? A lotof people confuse that. They say we
should do a class action lawsuit becausethere are victims, But class action is
really a whole different animal, isn'tit. Well, I don't do class
action, no, of course Iknow they do. They look for commonality
of claims, and they look forbig claims in many planes and plentiful claims
because it takes on a giant classof people. Well, the court looks

(39:44):
for commonality, The lawyers who bringthose kind of claims look for the victims.
The money pot. Yeah, ithas to be a big pot of
money at the end that would justify. Yeah, they're doing it on a
comp basis and expect basis. Suingsomeone for a similar complaint is not not
necessarily a class action. No,you can have like three to five plaintiffs

(40:04):
without being a class action. Yeah, without being right. Yeah. Now,
usually what a class action is isthat there are so many victims out
there that you can actually start solicitingfor people who've been who meet these six
circumstances. In other words, itwouldn't be worth it to go out and
start advertising. Have you been avictim of Jeff jallaf? We're all going

(40:27):
to do a class action because,as Brad said, there's no money in
it, and also, a classaction is for public good. Now,
that doesn't mean it wouldn't do thepublic any good getting Jeff out of business.
It would, but not the publicin general. It's a weird distinction.
But you're not going to get aclass action. You're just not going
to get one anyway. He wantsto know if I would be interested in

(40:52):
pursuing class you can. Here's whatwe should do. We should try to
get him arrested. We should tryto get this state attorney general to take
action against him. He's a flagrant, repeated violator of the consumer protection loss.
He is truly what a state attorneygeneral should go after. And I

(41:14):
say a state attorney general because he'sin different jurisdictions at different times, so
a district attorney is not going todo it. So I believe you should
go after go to the state attorneyGeneral's office. We should get a list
of victims and just try to getthe guy truly in trouble with the state

(41:37):
attorney general. That's what I believeneeds to happen. In three zero three
seven one three talk three oh threeseven one three eight two five five.
Now these guys erased my uh erasedmy questions for you that came in on
text, So I need to UHfind them, Okay, Brad O'Brien O'Brien

(42:02):
Legal Services for real Estate. One, when we talked about primary residences and
we talked about the homestead exemption,you can protect up to three hundred and
fifty thousand dollars of equity if you'reover sixty, and that's a lot of

(42:25):
equity. But the definition of aresidence, because you brought this up,
it's more than just a house,right, Well, the homestead or dwelling
is widely defined in the statute.So it could be things like a houseboat,
or a trailer or a trailer coach, mobile home. Oh, like
a motor home, a big motorhome. Yeah. It could even be

(42:47):
a shipping container if that's what youlive in. Wow, it could be
a yurt. So if it's aprimary residence, it can be covered up
to three hundred and fifty right.Okay. Now not vacation homes though,
right. Not second homes, notat all? Okay? Can you switch
what is the first home in asecond home? If someone starts coming after
you. If you have like anexpensive home in the mountains and you have

(43:10):
a primary residence in Denver or somewhereelse, can you switch you if you
sniff lawsuits coming, can you goto the more expensive house and call it
a prime and switch your primary residence. It's the house that you intend to
be your primary dwelling, and youcan switch that even, right, And
a married couple can actually split havetwo if they're both owned Wow, jointly

(43:34):
you can claim a homestead exemption ontwo homes. Wow. So you can
have two joint homes. Your wifehas one primary residence and you have another.
Right if in fact each one hasuses the separate house as their primary
residence. Well, use and declareare two different things. I mean,
I doubt that the trustee is goingto go check the bedrooms to see you

(44:00):
sleep in there. Well, whensix figures of equity is at stake,
people will look into the facts ofeventually, Actually, how did you use
the residents? You can be gonetemporarily. It doesn't have to be occupied
like all the time, But aslong as you have an intent to return
after a temporary basis, it canstill be your primary Then what about when

(44:20):
it comes to HOA lawsuits against condopeople and town home people, because that
happens a lot with leans, dothe hoay's supersede homestead exemptions? That's a
good question. In other words,hays are forever threatening to take people's places

(44:42):
for violations when fees add up.I'm not one hundred percent short of the
answer. I think that if theHIA documents include a homestead waiver, then
it would be oh oh oh,so that you can actually then wave it.
You can wave it if you boughtan expensive boat or ca. Yeah.
The only type of lane that Iknow automatically goes outside of the homestead

(45:05):
exemptions. It is a federal taxlane. Right of course, taxes,
I mean I imagine state taxes too, I imagine any taxes. I'm just
not sure about the HOA lean.So that's a good point, though.
You need to look for those waiversbecause there are many times you could sign
a separate document waiving your right toa homestead exemption, which would give the
creditor a right to come after it. Right when you sign a mortgage or

(45:28):
a DTA trust, it's going tobe buried in the fine print, probably
on the last page where it sayshomestead waiver. And maybe do you think
regular consumer lenks might start doing thatbecause it is such a big yeah,
I think so. Anyway, youlook for that, that's something that people
and then of course if you dooppose it, people are going to ask

(45:50):
why are you opposing it? Imean, in other words, why would
you oppose the homestead waiver if youplan on paying me really. In other
words, that's a good point.They could say, well, we're not
going to loan you the money.I mean, if you list your home
equity as an asset on your loanapplication and you're showing and that's one of
my assets. In fairness, that'ssomething that the lender ought to be able

(46:12):
to recover against if you're using itto justify the loan. Okay. Three
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(47:16):
Three all three nine two zero sixteentwenty two. Hi Tom Martino, welcome
to the show. Three oh threeseven one three talks seven one three two
five five. Let's go to William. He has an issue with an extended
warranty and people. You can alsocall three oh three Martino during the show

(47:37):
after the show tonight, anytime,and we'll get back to you. Three
oh three six two seventy eight foursixty six. Hey William, what's going
on? Oh? Thanks for takingmy call. Yes, sir, I've
got a tackle two doAnd thirteen fortyfour and if we bought a seven warranty

(47:58):
on it years ago before I knewthat, Don Martino said a bad thing
to do. Well, I don'tlike them. Under most circumstances, I
don't like them. So what howmany miles eighty three thousand? Well that's
low mileage. Yeah, it's reallygood car. It'swiice car. We took
it in to get it serviced.The shop got the whole of us.

(48:22):
Said, hey, you're they callit a PTU since it's an old wheel
drive car. But it's basically thelittle transfer case. Okay, there's never
been any drips, but it's theoutput chet seals starting to fail. Well,
they're kind enough, they do thiswork with these companies, so they

(48:44):
started playing for it. The inspectorwho's a contractor, he had worked for
the company. He comes out,does the inspection, but in his report
he said something up to the pointthat it's cracked. Day. Well yeah,

(49:05):
and you know he advises it aneasy replaced. Well, they do
not cover a cracked engine block oranything like that unless it's a mechanical failure
that it causes it. But theydo, however, cover seals and gaskets
up to one hundred and fifty thousandmiles. Well, because he said it

(49:29):
was cracked and they didn't really lookat the pictures very good. I'm like,
they show a crack and they've deniedit. I've had it up in
the driveway last weekend, exceptionally beautifulpictures and there is no crack. It
just shows that I've done enough gearbosses of my life that it shows the
capillary movement of it. It showsthe wet where it's coming out of the

(49:52):
seal. But since somebody put crackedand I have called them and I've talked
with them extensively, and they won'tdo anything. They won't open another claim.
What is my recourse. I'm goingto replace period. I mean,
I don't wait for the fail nowunder the terms of the warranty. Under

(50:13):
the terms of the warranty, ifit how okay, they would replace the
seal, if it was just theseal, right, well they have.
It is a common failure that Iunderstand that I'm asking you this. Under
most extended warranties, they won't coverseals. They will say that's normal wear

(50:36):
and tear. So tell me youhave one of the rare ones that will
actually cover seals. Yes, you'reabsolutely sure, because I've never heard of
one that covers normal seals unless they'reblown out. I've read it back and
forth and under the powertrain it saysthey cover seals up to one hundred and

(50:58):
fifty thousand nigh. Okay, okay, good, that's excellent. Now you're
saying they're turning this down because ofa so called crack that's not there,
and I believe it was probably doneon purpose, where they don't they didn't
want to cover it, and thatthis guy is probably he probably gets paid
on how many claims he can getdenied. What I'd like to know is

(51:23):
what's the name of the warranty company? Endurance is what endurance? Is it
a warranty or is it a servicecontract? It's an extended warranty of the
vehicle. Okay, here's them.One time we had something went out and

(51:45):
it was a freeze, an absolutebreeze, and it wasn't a big job
done. Now, how much willit cost to replace this seal? Well,
once again where I's going, Theydo not. It's the non rebuildable
part as per oem, so theyjust replaced the whole thing. Will be

(52:08):
Well, do you think your warrantywould have to replace the whole thing?
Because your warranty says seals. Soif the seals can can't be warranted,
can they pro rate the new oneand just pay for the seal part?
That's first of all, that's whatthe warranty. Well, here's whatever they

(52:29):
would cover you're entitled to if thisguy made a misdiagnosis. That's the bottom
line. Whatever they would cover.So what is your recourse? Your recourse
is to have us fight with them, but they don't care normally, or
to take them to small claims courtfor the cost. That's what I was
looking for because I can have itrepair, take the part, have a

(52:52):
certified inspector inspected, more pictures andwhatnot. And that's what I was wondering.
Can I take it for it?Well, you can, and you
can't. If they have an agenthere in town, you can. If
they're not here, I don't haveto go where you have to go where
they're located. Okay. The numberwe got to contact with somebody was a

(53:17):
three H three or a seven twozero, I believe. Okay, well
that's good. If they have manyof them will have an agent here because
they're doing business here, and youcan serve that agent the registered agent.
So just look it up at theSecretary of State. I believe you'll win

(53:38):
if you can show there are nocracks in that thing. I believe you're
going to win. That's exactly whereI'm going with it, and I needed
to I needed your stamp. Buthere here, let me explain something to
you. You have to show thereare no cracks. They're going to try
to make a settlement with you.But you have to explore the part of
your warranty about replacing it. AndI don't know if you replace it with

(54:01):
another used one or a new oneor you I don't have your warranty,
so you're going to have to figurethat one out, okay, And then
and then you see accordingly for yourdamages, not what you you know,
not just you know, getting abrand new one now maybe a new one.
I don't know. And have youhave you tried contacting the inspector directly

(54:27):
to see if he'll change. Ihave. And it was the inspector that
said, you know, you needto go through you need with the well
hold on, does he maintain it'sa crack. He does not maintain it's

(54:47):
a crack. He said. Theonly way for them to do it again
is I have to go back tomy shop. My shop has to call
the warranty provider again start a newclaim. You know, but my pictures
or whatnot. It says, well, why don't you do that? They
won't do it. They have.I've been that route and I got contacted

(55:10):
by the shop Yesterdy and says theytold them this is it, it's over,
it's done. We won't go Wewon't shore food twice? Basically,
yeah, you know what that man. I just hope people are listening to
this. There is no way,there is no way that people should get
these warranties because they suck. Theyabsolutely suck. How much did you pay

(55:34):
for this warrant? How much didyou pay for it? Oh? It
was eighty five dollars a month forI don't know how many years. That's
not an extended warranty. What thatis is a service contract. Well,
okay, extended warranties are not purchasedby the month. They're just not well,
they're purchased with a lump sum.If you're paying by the month,

(55:58):
it's a service contract. Totally differentanimal. So, I mean, it
doesn't matter what it is. Ifthey did you wrong, they did you
wrong. But you said you paidso much a month. Are you still
paying it? No, you paywhen you either could pay it all at
once something. You can pay itso much a month for so long and

(56:19):
then you're done. Oh, Imean it's been paid for a couple and
it's been paid for like a yearand a half. That okay, it
might be then that okay, thatmight that might be an extended warranty.
I don't know what you had,but but in any case, you're on
the right track of going after theseclowns three all three seven to one three
talk seven one three eight two fivefive. Okay, so we have more

(56:45):
coming up on the Troubleshooter show.Waterpros dot net. Get a whole house
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(57:07):
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(57:29):
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 hights To'm Martina
here threeo three seven one three talkthree oh three seven one three eight two
five five So, David, let'stalk about Johnson's auto sales. What's going

(57:55):
on? David, welcome. Ihad some issues with my pickup, so
I have to shave the pick uptwenty twenty, and I had some issues
with the lifters. So I tookit into their dealership over here, and
they told me they did their diagnosticsand everything, and came back and told

(58:16):
me that I had a bad lifteron number seven cylinder. So I asked
him how much you did charge meto fix it. They ended up charging
me six thousand dollars to replace thelifters on my pickup. Wait a minute,
all the lifters were replaced for that. Now, this is what they
told me. They told me theyreplaced all the lifters and they charged me

(58:37):
six thousand dollars. Now you havethat in writing, Yes, I do,
okay. They So then when Iwent in and talked to him,
they told me that they only replacedthe lifters on the driver side. Are
you clear? Are you really clear? On your invoice it says all lifters.

(59:00):
It says right here. I canread it to your word for word.
Read hold them. This is interestingbecause that's like a contracts Yeah,

(59:25):
David, and okay, go ahead. So this is something to do on
the on the invoice here, I'lltell you what. Hold on a second
day. Just hold on. Iwant you to read it over and then
find the place where they violated whatthey said they would do. Six grand
to me, sounds like they shoulddo all your living? How many?
How many cylinders? Is this?Is this an eight? Hold on a

(59:50):
second Also, Kachina, could youget Kevin Calkin on or Jeff Jeff Vick.
I want to try to get oneof those on to comment on this.
Three zero three seven to one threetalk. Meanwhile, while you're looking
for that, I'm going to goto Chris, who has a comment on

(01:00:13):
extended warranties I just talked about.Go ahead, Chris. Hey, Tom,
are you good man? What's goingon? So? I've been in
the service industry, automotive service advisorfor like twenty five years, Okay,
I would I would suggest just becauseone repair can cost almost what a service

(01:00:34):
contract costs you. An AC condenser, for example, uful is twelve thirteen
dollars. A compressorsor is another thousand. I heard the comment about the guy
with the Ford with the transfer case. Now most of these extended warranties will
cover all the seals. The inspectors, from what I've talked to over the

(01:01:00):
years, they don't get paid ifthey find something that they don't have that
the warranty company doesn't have to payfor. However, the service writer in
this aspect should have gone to batfor the customer with the warranty company and
explain the situation. Because if youdon't do the work at the repair shop,

(01:01:22):
the service writer is not getting paid, You're not taking care of a
customer. Thus you lose a customer. It's just bad all the way around.
But Chris, do you think doyou think that the service writer should
have argued with the adjuster at thetime. Absolutely, I agree that that

(01:01:44):
would be a good thing to Sohe doesn't even submit the report to begin
with. Well, and if hewas a good service writer, I go
back with the adjuster and I showhim and if he goes there's a crack,
and I say, show me,show me the craft. And a
lot of those adjusters they are exmechanics, but a lot of times they

(01:02:08):
don't look hard enough. And youshould have the mechanic who originally looked at
the car that's working at the shopwith you explaining things, because most of
these adjusters are really easy guys,easy to get along with. You know,
they're they're just there to look atsomething, take some pictures right what

(01:02:30):
they see, and send it inthey get paid. Now, Chris,
Chris, let me ask you something. Do you really believe that, in
most cases you've seen the service contractsor the warranty, whatever you want to
call them, they come through forthe consumer most of the time. Or
do they fight like that? Okay, I can give you a perfect example.

(01:02:52):
I had one in twenty nineteen.Suburban had check engine light misfires.
It needed camsh acting lifters. Justlike the guy that was just talking to
you. It was a seven thousanddollars billiay to put camshaft, all new
lifters, all the gaskets. Amonth later, light came back on with
the same code low oil pressures misfires. Put an oil pressure center and an

(01:03:15):
oil pump in. Months later,it came back on. It needs an
engine because there's debris from the camshaft, delaminating metal going through the engine,
plugging the oil ports, on andon. And what happened, Well,
they originally didn't want to put anengine in and I said, look,
this is nobody's fault because I gavehim the option to put an engine in

(01:03:37):
when it first came in. Theysaid, oh no, no, no,
we just want to do what itneeds. I said, okay,
fine, I dot did they keeppaying? Did they keep paying? Yeah?
What was the name of that oneputting the engine? Was fourteen thousand
dollars? No? No, whatwas the name of the warranty company?
Oh? Ally, Ally, Ally, They're a very good company, are

(01:04:00):
very easy to now, Chris.I also have had reports from some of
my own sponsors that people like Carshieldhardly ever pay. Ever, there are
some very bad extended warranty companies outthere, very bad. I'm not gonna
lie to you. When people buythis, a word of the wise,

(01:04:20):
don't buy it on the internet,don't buy it buy a phone call,
don't buy it from a postcard.Go to the dealership. It may be
a few dollars more, but thedealership will stand behind the warranty that they
sell. And well, if it'sa good dealership, if it's a good
dealership, it will You're right,Chris. While I have you on the

(01:04:44):
phone, I want to ask aquestion. The guy that said he had
his lifters replaced for six thousand dollars. Mm hm. How many lifters would
you expect to get replaced for thatprice? All of them? Okay?
Now that's on an eight cylinder,So how many lifters would that be?
Is that two for each? Oris that yes? Sixteen lifters? Okay,

(01:05:09):
if they're doing the lifters, chancesare if it's a GM product,
because it's kind of a problem withgms, the lifters, the roller lifters
kind of delaminate the camlobes and theystart the camlobes flake off or the rollers
on the lifters flake off, sendingmetal through the engine. Okay, so
but Chris company, Yeah, Igotta I gotta move on, but I

(01:05:33):
listen. I really like this call. Feel free to call in at any
time with your expertise. Kevin Caulkin, I want to since you're on from
Sheridan Auto Tech. This guy wastotally need lifters. Now, David,
I want to bring David up.David, how many lifters did they end
up doing for that six grand?Okay? On me twenty four the original

(01:05:59):
invoice, so that says sixteen lifterstotal of one and seventeen dollars for the
lifters. Okay, So well Ithought you said six thousand. Yeah,
yeah, No, that's that's justfor the lifters right there. That so
there's also charging for the gaskets andeverything that goes with it to replace those
lifters. You know what I mean. But hold on now that here's what

(01:06:21):
I'm asking. The total job toreplace your lifters was quoted at six grand,
Is that right? Yes? Yes, and that's for eighteen lifters.
Sixteen are six at sixteen, that'sright, That's what I meant. Okay,
So but you're saying they actually onlyreplaced how many four? How do

(01:06:45):
you know that? Oh? Sothat's been half okay, So so this
was on This was on May twentyfourth. They gave me my trust back.
I had it for four days andthat same cylinder went out again.
So I took it back to him. David. I don't need the story,
just need to know this. Howmany actual lifters did you end up
getting done for? Six grand?Thirty two? Thirty two? They did?

(01:07:13):
Okay, they said hold on asecond, man, just hold on,
hold on, just hold on please, I am so thirty two.
Yeah, listen, So they chargedme for sixteen the first time fourteenths later,
I took it back. What's thesame problem. They opened it back
up. They said that they hadn'treplaced lifters again. And that's when they
told me that they had only replacedthe lifters on the driver side, which

(01:07:38):
was take hold on, David.The first time you paid six grand,
they only replaced eight even though thecontract said sixteen. Is that correct?
Okay? Then you were shorted onthe first repair, then you went back
for the second repair. How manydid they do? They told me they

(01:08:01):
did sixteen again, And how manydid they actually do as far as I
know? And what did they chargethe second time to replace sixteen? Well,
here's a catch. How much didthey charge the second time for sixteen
lifters and then charge me the secondtime? Okay? Then did they finally

(01:08:26):
replace all sixteen lifters? No,they replaced the whole engine. Okay,
hold on, we'll come right backto you. Now, God almighty,
now we're on the whole engine.Hold on, go with a sure thing
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(01:08:47):
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(01:09:11):
two. Hi Tom Martine, you'retroubleshooter three old three seven one three talk
three O three seven one three eighttwo five five. Welcome to the show.
Let's talk now, Kevin Calkin,I need to have you listen to
this, but I just want tosum this up because we heard a lot

(01:09:34):
of information we don't need right now. Right now, all we know is
for six grand, he has sixteenlifters replaced. Sure he had to go
back, it doesn't matter. That'swhat he had done. But now they're
saying he needs a new engine.So, David, are they willing?
Why are they saying you need anew engine? That's the part they need
to know. Don't go back intime. They did sixteen lifters, six

(01:09:58):
grand, Why now do you needneed a new engine? I got the
truck back drove four days the sameproblem happened, backfired took it back in,
they took it apart again, foundthat the camshofts have you laminated and
was pitted and so was the numberseven lifter on the on the mot okay,
So David, are they taking anyresponsibility for it? Or are they

(01:10:21):
willing to credit you the six grandfor another engine? How? What are
they saying? So they said theywere going to replace that stuff, right,
so they did. When the checkwas putting an engine back together,
he shipped the bullet off in themotor. And are they willing to do
anything toward this new engine? Sothey're saying it's all on you, and

(01:10:43):
that six grand you spent is outthe window. You're going to replace the
engine and it still doesn't It stilldoesn't work. David. Did they charge
you for replacing the engine? No? See, you got to answer my
questions accurately. You told me itwas all on you, then you said
they didn't charge you. I can'tget an accurate answer. Go with a

(01:11:04):
sure thing Denver's Best Roofer Excel Roofingdot com. You don't pay a cent
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(01:11:25):
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list your home with Remax Alliance threeoh three nine two zero sixteen twenty two
ripped so you don't have run anxiousas fast as you can. Show Shooter's

(01:11:51):
gonna help. COMEX is the TroubleshooterShow. No Tom Martinez, Hi Tom
Martino here three O three seven onethree talk three old three seven to one
three eight two five five, Welcometo the show. We got Brad O'Brien

(01:12:11):
with me. He's a real estateO'Brien a real estate attorney at O'Brien Legal
Services, and we did talk alot. I'm going to retap about certain
things and I do have some otherquestions. We also have Kevin Calkin waiting
to make a comment on this oneproblem and listen to folks. Sometimes these
problems are not as first represented.But the bottom line, I just want

(01:12:32):
to sum this up because every timeI asked David, he says I had
to pay for it all. Thenhe says, no, they did it,
and really, if you listen tothe call, I swear to God
we should have gone right to it. And this is what it is.
They attempted to fix his engine andfailed to by replacing lifters. So then
without charging him another dime, theydid the lifters twice and now replace the

(01:12:57):
engine. Okay, that's where weare right now. So what is the
problem now, David with the replacedengine. So far, you have a
total of six invested here right,yes, and you have an engine.
Is the engine rebuilt? Is ituse or is it new? Okay?

(01:13:20):
Now tell me your problem right now. Okay, So I'm having the same
problem. Okay, So the dayI took that my truck after they supposedly
changed my engine, they had acam shaft and sixteen lifters right then,
and they and they told me theychanged the motor. I'm having the same
problem with the motor again, andthe same exact Hold on, you're having

(01:13:44):
the same exact problem, the sameexact problem. I have no power,
the same problem, exact problem now, motor, Why would you hand me
lifters and a cam shaft? Idon't know almost let me ask. I
don't care about that part David,here's the questquestion. Just don't fog it
up. Here's the question, didthey replace the engine or not? I

(01:14:04):
have no idea. Well, theremust be a way of telling Kevin Caulkin.
Kevin Caulkin, how would he knowif they replaced the engine with a
rebuilt or not? Well he didn'tlook at the block and other components and
see. Okay, David, David, hold on, please, David,
you have a way, David.I want to help you, bro,
but you have a way of justcomplicating things. Right now, there's one

(01:14:26):
question, did they replace your engineor not? Go ahead, Kevin,
Yeah, and it's something we cando a quick inspection and determine if that
motor's been replaced. Absolutely, okay, David. There you go a free
inspection to find out. Then wecan take all the guestwork out of it.
And then the question would be this, Kevin, if they did replace
it, why would he have thesame exact problem? He wouldn't. That's

(01:14:49):
not really possible. No, No, it doesn't sound like they were doing
it right from the start. Imean, you never replaced lifters without looking
at a cam and other things.It just it doesn't work out. And
I think that's why they replaced theengine for them, I think, But
I don't know how they do allof this for the original six grand.

(01:15:09):
No, that's that's pretty tough todo. I mean, how many miles
were on this It had one hundredand thirty thousand, So why would they
do even Listen, even if theydid, the lifters wrong to rebuild that
engine and not charge you a littlebit of betterment on top of that six
grand? Like, there's something notmaking sense except this. We have gotten

(01:15:35):
a lot of complaints about Johnson,so you're not the only one. David.
We don't know what's going on.But if I were you, I
would start with an inspection from SheridanAuto Tech to see what the hell they
did. That's what I would do. I'm happy to do. You have

(01:15:55):
an invoice where they say they replacedyour engine. Good, hold on a
second, Kashina, get him Kevin'sinformation shared an autotech dot Com three oh
three four five five seventy two.Kevin, this would be a good one
to check out to see what thehell we find This guy is all.
Yeah, I feel bad for him, but we've had some issues with Johnson.

(01:16:19):
I don't know what's going on upthere, but we've had some issues.
Kathleen now wants to talk about WellsFargo. Kathleen, what's going on
with Wells Fargo? Yes, SirRisally. In November, my mother and
I stepped into the bank tooply forcredit cards, and I told him my
mother lost her hearing aids. Theyasked her a question, and then they

(01:16:43):
said she didn't understand the question.That she did, They asked her why
she wanted a credit card. I'mworking on our house to sell our house,
and she Stephanie called over Jesska.She said, we're refusing your mother's
service as well. And I said, write me in outse and my friend
in New York will step into thebank and handle with a note. And

(01:17:04):
Stephanie said, no, we're goingto call the police on you. Have
you bodily removed the two of you. Wait a minute, Wait a minute,
how did this turn into we're goingto go to the So wait,
you and your mom wanted a creditcard? They didn't like what they heard
from your mom. And let meget this straight. After that, you

(01:17:26):
said, what after after they turnedyou down? You said, we have
a friend in New York. Yes, he's a he's a movie producer and
investor rolland bets and I was andtell me what but what so? So
I don't understand how his name cameup. You said, well, I
have a movie producer friend or somethingin New York and he'll tell that.
I just said, I have afriend in New York who I'll send him

(01:17:49):
the note and he can step intothe bank and give them the note.
Is why you're refusing my mother's service? Well? Did this sound like a
threat to them? Like a gangster? Hey, I know a guy in
New York. Oh no, II'm very fliit. I just said,
well, can I have a note? Please? Skating? Why you're refusing

(01:18:09):
my mother's service? Because my mothersaid to them? My daughter repeated the
question, and I answered you,I said, I'm applying for a credit
card. Well, did they giveyou the reason? First of all,
did they give you a reason forcalling the police? No? Why they
were rejected? Why was it justyour mom applying or you? No?

(01:18:30):
I had an appointment after her andyou were both rejected. Right? Yeah?
She said, Well now that I'mnow that I'm refusing your mother sirs,
I'm going to refuse you too.Okay, Now, care about me
that and then my mother started crying. Since that I understood the question.
I was born Razor, I speakperfect English, and I was asked,

(01:18:50):
why so, what do you tellme what you think is going What do
you think is going on? Idon't know, because when they called the
plea, I had also called thepolice. Why did they call the police?
I don't understand why someone would callthe police. Yeah, they said
I was causing a disturbance by askingfor that note. Wait, were you

(01:19:12):
just talking very calmly like you arenow? Yeah, it's I'm sure it's
on camera. Kay. They gotangry because I wanted the note. I
said, you're refusing my mother's service. She answered the question twice. You
you well, why does she loseyour hearings? I don't she just happened
to lose your hearing And hold ona second, hold on a second,

(01:19:33):
you know, just so you know, they don't have to they don't have
to do business with you, Okay, But what I'd like to know is
this, why don't you just applysomewhere else? Well, the thing is
we've been with them eight years andthey refinanced our house orry eight hundred thousand
dollars home in twenty twenty, andthey've boss been kind of yeah, that's

(01:19:57):
why. And Stephanie, I said, you were rude enough making my mother
and I wait forty five minutes,just sit and shoes you see. Okay,
but you know you can't make them, you can't make them do business
with you. Right, but yougo on a different branch of Wells Fargo.
What's the big deal? Well,why why bother just go online and
get a freaking credit card? What'sthe biggest real like, that wasn't the

(01:20:20):
problem because we've always done business withthem. And I asked Jessica, so
what would you like? Then?You want us? You want us to
contact Wells that's the problem. No, that's not the problem. So when
they called the police, I happenedto know the police officer Cooper. We
stepped outside. She said, thisis a ridiculous, Kathleen. I was

(01:20:41):
complaining, which I did. AlFargo sent me a letter saying my mother
continue, continue being a customer,and I couldn't. Then there's another letter
apologizing. So what happened is justtwo weeks ago. I didn't realize why
we were having problem getting her balance. And then they said, well they
canceled your mother's debit card. Isaid, why do the suspicious activity?

(01:21:03):
Did she go to the seven eleven? Yes, and she I said,
she tried to withdraw money on heroverdraft protecking fine reclines and they declined,
so we said forget about it anyway. So her social Security check came in
on the third and I called themand they said, well, we put
a freeze on your mother's account.Why don't you just well listen, Kathleen,

(01:21:26):
won't just close everything and move toanother bank. Yeah, they won't
let us. We went six timesto the banking comrace. Wait a minute,
how much is in the bank thatthey froze on? Seven dollars and
they say they're going to keep it. Yeah, what happened? My mother
says, Look, did they saythey're going to keep it? Yes,

(01:21:49):
okay, they did so they said, we're sorry, Kathleen, We're just
going to keep your money and closeyour account. No, they released it.
I just got my check. Hey, on your mother's account. On
your mother's account, they just saidwe're going to keep your mother's money.

(01:22:10):
This is what they told her thefirst time before, the first time we
went, they said, just showme, show your idea with mother's ID
and we'll release her phone. Andthey didn't do it. We did what
the banker said, tried to casta check a King super n again.
So six times we went, sixthtime we went. She said, I
don't understand this. Catheline and Margaret. So she called the banker. He

(01:22:30):
refused the office. He talked toher and he said, well, tell
me is Gara. The only waythat we will release her funds is she
comes back with her Xcel Energy andDenver water bill and her mortgage and we'll
send a check to them. Okay, the only way we're going to release
her funds. So my mother startedcrying and said, look, I just
want my money. I want toclose this account. I'm going to another

(01:22:53):
bank, my daughter's bank. Andhe said, no, we can't let
you close your account now. We'renot going to release your fund all dogs,
Kathleen, All you have to iswhen you open up account or another
bank. No, but hold on, hold on, hold on transfer.
If they won't let them have themoney, the account is frozen. But

(01:23:17):
Kathleen, Kathleen, I want youto know something. This You're not the
only one this is happening to.This is happening. They just settled a
billion dollar lawsuit. I know thisis happening Bankatoon. He closed his account
because they kept five thousand dollars threemonths. This is happening all over the

(01:23:41):
country. I promise you, Idon't know why, but these the closing
down of bank accounts and the keepingof the money is happening all over the
country, all over. Yeah,a billion. What I would do if

(01:24:02):
you want to go through the trouble, I would sue them for it.
In small things, but that's whatI would do. I would make their
asses go to court, because whatthey will do is they will settle with
you and pay the money. Theywill, But we can have Deputy Doc
call over there. Doc, weshould call over there. This is ridiculous.

(01:24:23):
This is happening too much. Imean, Kathleen, all that story
about the credit cards and all thatwas all smoke and mirrors. The bottom
line is this, if they closedown your account for suspicious activity, they
can't just unreasonable, unreasonably keep yourmoney. This is a trend happening too
much in the banking industry. It'shappening too much, too much. What

(01:24:46):
they and they won't tell you.They won't even tell you what the suspicious
activity is, will they? Well, they talk on my mother's part.
They said it was the seven eleven, and my mother explained to them,
yes I went, my daughter,But what was it about the seven eleven?
They didn't like. I don't know. They said why it was suspicious?

(01:25:06):
Because why did you try three times? She said? Because why not?
I went on only one hundred dollarsfor my overdraft? Wait? Why
so did she wait a minute?Did she go to an ATM machine?
Yes, that's the seven eleven,two blocks from us, you know,
okay? And how many withdrawals didshe make from that seven eleven? Well,

(01:25:29):
she tried three different times and gotnothing? Okay? And why because
her debit card was canceled? No, just speak. I don't know why
because before she's been able to withdrawin or overdraft section. See why was
she rejected three times at seven elevenATM? Why? We don't know.
Well, if she was entering,if she was entering her PIN number wrong

(01:25:53):
or something that would be suspicious,that would be no, she did it
correctly. How do you know becauseit's her birth year? What what reason
hold on? What reason would didthey give her for not going through usually
doesn't it say what does it say? Does it say improper pen what does

(01:26:16):
it say? No? They acceptas a pin number and just decline,
just decline. Yeah, because therewas insufficient funds. Yeah, were there
in hold on, Kathleen, thankyou dragon. Were there insufficient funds?
No? Because they let her withdrawlast month up to five hundred dollars on

(01:26:39):
her over No, No, that'sit. Hold on, Kathleen. I
just asked the question, did shehave money in the account or not?
You know, I think she onlyhad twenty five dollars. Okay, that's
what the problem is there. There'sthe suspicious activity. So that's what she
has draft I can no, Sorry, Kathleen, that's not an automatic loan.

(01:27:03):
They're allowed to shut down. I'msorry. Nope, it's not for
intentional it's not for intentional withdrawals.It's not for intentional withdrawals. Overdraft protection
is when you make mistakes. I'mdone, sorry, bye, Kathleen.

(01:27:23):
Sorry. Three oh three seven onethree talks seven one three eight 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. Time for an insurance check up free,
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coverage at dozens of insurance companies findout now three oh three seven to 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 nine
two zero sixteen twenty two. HiTom Martinez here, three zho three seven
one three talk three oh three sevenone three eight two five five you know

(01:28:12):
again, we want to talk toyou, We want to help you,
but listen. If you're off baseand full of crap, we're not going
to help you. I don't know, but at least you'll know you're off
base and full of crap. Howabout that? And I'm kidding a little.
I know you don't call here tobe insulted or preached too. But
truly, over draft protection, let'sexamine that. It's not alone, it's

(01:28:39):
not overdraft protection is not a preapproved loan. Do you see the difference?
She was using it as a preapprovedloan. It's not. It's not.
Every once in a while you writea check you don't have the money,
or they crisscross deposits withdrawals. It'llprotect you. It's not meant to

(01:29:01):
be alone. And her mom went, knowing she had twenty five bucks in
the bank and try to withdraw rentthree times. Well, okay, that
was suspicious in the eyes of WellsFargo. Trust me, I'm not look

(01:29:21):
good. I know banks are exaggerating. A lot of banks are doing this
to people. They are closing accountsfor so called suspicious activity, but then
they don't tell you what the suspiciousactivity was, and they don't give you
a way to remedy it, andthey keep your money. But one thing

(01:29:45):
I didn't understand in her story.If she only had twenty five bucks and
the account was frozen for suspicious activity, then why did she say she had
more than one thousand dollars they werekeeping. Did anyone pick up on that?
I meant to ask her that she'snot still on the line. Is

(01:30:05):
she no okay? Because she said, well, my mom only had twenty
five dollars, she is back good. I want to ask that question because
I didn't understand that part. Kathleen. Here's the part they don't understand.
They froze her account because she triedto take withdrawals out with only twenty five

(01:30:27):
dollars in the account. But thenyou said, now she has one thousand
dollars in there, they won't lether get access to I don't understand.
How can it be both? That'sthat's what you asked, and they froze
it because of this fish sect you. Then they on froze it and allowed
the Social Security to send a checkto the account while they do every month.
Oh and they said it's under reviewing. And my mother was this so

(01:30:50):
wait a minute. So after shetried, after she tried to get that
money from the ATM, Social Securitydeposited a check for seven dollars. Yeah,
every mindy did they say she canget that money? They said she

(01:31:12):
can't. Well, okay, sheneeds some money to pay our bills.
And we're like, oh, waita minute. Okay, So they said,
Kathleen, I want to get thisstraight before I have somebody call.
Are you absolutely positive? They saidshe can never get her money? Yes,
or I can even give you.Even the banker Acoma City said this

(01:31:33):
is ridiculous. You need to releasemissus. Doc. Will you call this
banker? I mean, are yousure? They didn't say, Kathleen that
she could get the money after areview. No, they said that they
released it. They told the bankerthey released it, and then they changed
your mind and said no, onlyshe brings her bills at her mortgage and

(01:31:55):
we'll send checks to her mortgage company. No, No, that's not good
enough. They should be able.She should be able to withdraw for any
reason she wants. They can't sendthem money. Why she said, that's
my money. I'm going to closemy account. I don't further want to
be with this bank. I've beeneight years with this bank, and they
said, no, we won't letyou close your counties. You know,
Doc, Doc, can you getto the bottom. Doesn't sound right.

(01:32:19):
I'll call them Tom, Let's getto the bottom. Hold on, Kathleen.
Kathleen, I understand why they shutdown the I do understand that part.
Okay, let's not even argue aboutthat, Doc. They shut it
down for suspicious activity. Here isthe main problem, okay, is why
they won't let her have access tothe thousand dollars that was deposited by Social

(01:32:43):
Security. That there is no excusefor Wells Fargo keeping one thousand dollars of
this woman's money. Absolutely, Idon't know I don't know if she's exaggerating
when she says they refuse. Idon't know anyway. Three oh three seven
one three Talk three oh three sevenone three eight two five five. Brad

(01:33:06):
O'Brien coming up. I want totalk about this. I got a text
on it if you want to weighin on it. But I'm going to
ask you just first. Have youhad any people contact you since this just
cause law went into effect? Thejust cause? Do you know what I'm
talking about? Sure? Okay?Have you had any cases? Whether are

(01:33:27):
people asking about it? It hasn'treally started up just yet, but I'm
sure it will be coming. Yeah. I want to clarify what it means
and what it doesn't mean. Comingup, I'm Tom Martine three oh three
seven to one three Talk three ohthree seven one three eight two five five.
Go with a sure thing Denver's BestRoofer Excel roofing dot com. You

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(01:34:12):
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(01:34:53):
That's three oh three nine zero fourtwo thousand. That's married seventy two months
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Welcome to the show, folks.We have plenty of times for calls.
We've been taken at three oh threeseven one three talk three oh three seven
one three eight two five five.So I was casually looking back on my

(01:35:15):
calls, and we've had more thana few of banks shutting down your account
for so called suspicious activity. Now, there might be suspicious activity here and
there right there might be let's saysomeone did try to hit your ATM,
or let's say something online was suspiciousor whatever. I can see no circumstance,

(01:35:41):
and I wish if someone is inbanking or financing, can they weigh
in on this please. I canthink of no circumstance where the owner of
the account cannot go into a bankwith identification, close the account and take

(01:36:02):
the money. Why under what circumstancecould you see a bank not allowing that?
Where Why even if there was suspiciousactivity, Brad, you're an attorney
again, I mean, I'm curiousif you haven't accounted a bank and they

(01:36:25):
say, oh, you know,Brad, somebody tried to hit up your
ATM, or somebody tried to usethis or that or your debit card online
and we shut down and we frozeyour account. Okay, fine, Now
you go to the bank and yousay, you know what, You're right,
there might have been some suspicious activity, but you know, I really
don't want to wait for an investigationor everything. And here's my ID since

(01:36:47):
that is my money. It wasjust deposited the other day by SoC social
social security or whatever. I'd liketo just close the account. Can you
think of a reason why the bankwas that you can't close it? Are
they afraid more withdrawals might come inon it or what? What do you
think? Well, if they haven'tresolved the security situation, they're not sure

(01:37:09):
if if you're the right person toreceive the money. But if you were
the one that opened it and theyhave your ID and all that on file,
or they have your signature and yougo in with proper ID and your
signature and all that, you shouldbe able to close that account. So
they must be saying, before welet you have the money, we want
to make sure that you or someoneelse did not hit up your account for

(01:37:31):
more money. Yeah, sounds likesomething that is an issue with a larger
bank that has different departments, andso maybe when the account gets frozen,
it goes to a certain department thathas to look at it, and it's
kind of stuck in that department untilthey get to the bottom of it.
But I've been hearing about this moreand more, and I think what it
is. I think their automatic algorithmsare something that trigger what they consider suspicious

(01:37:57):
activity. The problem is is theydon't tell you exactly what the suspicious activity
was. They just said, we'vehad suspicious activity and we're freezing your account.
I'm gonna tell you, Brad,We've had at least seven or eight
calls on this. I mean,it's not a small thing, and people,
some people have been waiting three monthsto get their money. I just

(01:38:21):
think it's it's horrendous. And wheredoes this money sit? I mean,
is the money? Is the bankmaking money off that money, just letting
us sit there. I don't thinkthe bank is consciously saying at their in
their meetings, hey let's freeze abunch of accounts that we can make more
interest on them, you know,so they can't pull their money out.
I doubt there's a conspiracy going on, but there's definitely something going on that's

(01:38:46):
not fair. It's just not fair. They have to have a more expedited
process. In my opinion, ifyou're going to freeze my money for an
investigation, then I think you havean obligation to do it quickly. I
don't know why they would wait threemonths? Do you can? You think
it just sounds like bureaucracy, andyeah, exactly, requirement exactly. Anyway,

(01:39:09):
if anybody has had this situation,I'd like to hear from you,
because it is happening all over thecountry. Okay, Jeff your turn.
What's going on? Jeff? Hey, Tom, how are you, good
man? What's going on? So? I called yesterday. I was asking
Mark about public adjusters for a roofdamage that was happened during that last tale

(01:39:29):
storm up here in north and that'sthort. Yeah, and I just want
to know what your opinion of youone will think. I don't think there's
a downside if you have an honestone, there's no downside because if you
call an insurance adjuster a public adjuster, by the way, they're called public

(01:39:50):
because they work for you, andwhat they do is they look through your
insurance policy for look for reasons thingsshould be covered. Where As an insurance
adjuster who works for the insurance company, not a public adjuster, but an
insurance adjuster. They even call themsometimes independent adjusters, but they work for
the insurance company. Their job isto look at your policy and find ways

(01:40:15):
not to pay. So that's thedifference. The public adjuster is looking for
ways to pay the insurance adjuster islooking for reasons they should not pay.
Now, here's what happens with apublic adjuster. If they're honest, they're
going to say to you, hey, Jeff, this claim is small.

(01:40:38):
Put a claim in with your insurance. See what they are for you before
you hire me. You may notneed me. That's what an honest adjuster
does. In fact, what Iwould do in all cases, what I
would do personally is simply put ina claim first, and then if I
feel they're holding back or not beingI'm not being treated fairly, or I

(01:41:01):
would have an adjuster look at itno matter what. And then a good
public adjuster won't charge you for that. They'll look at you and say,
you know, Jeff, you havea lot more money coming in my opinion,
and then they take a small percentageof the extra. That's the way
I would handle it. I wouldget my first blush offer from my insurance

(01:41:23):
company, then hire a public adjuster. If there are any kinds of other
things involved, I would hire likea big loss and just have them look
at it. It doesn't cost youanything for an honest public adjuster like Paragon
Services to look at a claim andto see if they can do better.

(01:41:45):
Okay, okay, So, andit's more obvious to use a public adjuster
as you get multi items not justthe roof, you know, like multiie
or it's a messy, messy storm. Do you have any insurance damage right
now? Well, I've already hadExcel out to look at my roof and

(01:42:09):
he's he They said that there wasdefinitely damage to the roof and there's also
some damage to my windows. Thewindows weren't necessarily broken, but the shields
around them have been shattered by someof the What I would do is then
I would call and have them lookbecause a good public adjuster will not charge
you for looking at your claim.Okay, that's what I would do.

(01:42:30):
Okay. Three oh three And bythe way, uh Paragon services you can
find at referrals dot com three Othree seven one three eight two five five
go with a sure thing Denver's Bestroof of Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,

(01:42:56):
no obligation. In comparison, callCompass Insurance. Pay too much your
coverage at dozens of insurance companies findout 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 all
three nine two zero sixteen twenty two. Hey, I'm Tom Martine. You're

(01:43:19):
troubleshooter three all three seven one threetalk seven one three eight two five five
hector, what is going on withWells Fargo? Another problem here? Go
ahead? Okay, Well, thewhole situation started and I wanted to get
a new furnace and a new uhAC installed about three years ago. Yeah,

(01:43:43):
and uh I called six to twentyfour to seven because I used them
on my cleaning of the furnace andthe Yeah, pretty much the furnace at
the time, and everything was good. I mean, I'd like to work
and everything, but I got Itold him I wanted to install it,
and I wanted to get a quote, and I you know you, I
don't have sixteen thousand dollars in mypocket. But anyway, they gave me
a quote, and they gave mea program that I guess Wells Fargo was

(01:44:08):
the one person that would take thethe the cost and I guess through twenty
four to seven. Uh, Igot it. It's kind of like a
repair home repair only card or yeah, okay, And so I paid it
off last year and I've had tocall. How much was the total on

(01:44:30):
your card? I think it waseleven and that was that was for a
new HVAC system. Yeah, wellit was a I'd never had a AC
and and that's why I only hada swamp cooler. But they when they
replaced the furnace, I had themdo the both central air and the furnace.

(01:44:55):
Well that's a pretty good that's apretty good price for a new install
like that. Anyway, So whathappened. So anyway, they gave me
a card and they said it wasfor new home projects. And then they
told me, okay, now thatyou pay it off, you got you
got twelve five hundred, but youcan use But I'm trying to get rid
of the card because I can't useit anyware. Tell you you okay,

(01:45:17):
hold on and let's come back andtalk about this. This is a good
topic, by the way, Thankyou. And then I have a few
questions for Brad O'Brien O'Brien Legal Servicesabout the new just Cause lease and also
unrelated parties living in the same place, renting, and other kinds of legislation
affecting renters. All that coming upon the Troubleshooter Show. Go with a

(01:45:41):
sure thing Denver's Best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance checkup free no obligation comparison call Compass
Insurance paying too much your coverage atdozens of insurance companies find out now three
oh three, seven and seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate Man dot com to list your

(01:46:05):
home with Remax Alliance three oh threenine two zero sixteen twenty two. Yeah,
ripped news need advis so you don'thave come running. Just as fast
as we can. Shooter's gonna help. Come man, This is the Troubleshooter

(01:46:31):
Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the
show. Three O three seven onethree talk is our number three oh three
seven one three eight two five fiveAnd I can't tell you enough. Please
call, please, please, pleaseplease call when you need help. Twenty
four to seven. Three oh threeMartino three oh three six two seven eight

(01:46:57):
four six six. This hour broughtto you by Grossman Wellness dot Com.
I just went there the other dayfor blood work. Every three months,
I get blood work plus prescriptions andsupplements. It's all included. And by
the way, if you ever wantto get started, two hundred and forty
nine bucks to just see where youstand, no obligation to continue. It's
a concierge service. It's being veryproactive with your health. You oughtit and

(01:47:20):
you know, look into it.For two forty nine you get the blood
work, consultation and all of theinformation you need to see if you want
to do something like that. Grossmanwellnessdot Com Welcome. So anyway, we
were talking to Hector and about anHVAC account and a credit card, and

(01:47:43):
he financed an HVAC system on thisWells Fargo card and paid it off.
So that's where we left off thestory. Go ahead, Hector, Yeah,
I guess my question was I can'treally use the card for any other
home projects other than if I replacedall the windows or something to that extreme.
And I called them out here,well is there any charge to keep

(01:48:06):
it? No? But I justdon't want to. I can I can
cut it up, but it doesn'tthat going your credit before though, that
it's revolving account. Actually it's agood thing, not a bad thing.
If you paid it off. It'sactually better for your credit to leave it
inactive than it is to close it. If you close it, you have

(01:48:30):
less credit available, and so thereforeany credit you use is a bigger percentage
of the credit you have. Letme explain that. You know what I'm
saying. So, so let's justsay you have five cards available and you
have a ten thousand dollars limit oneach one. That would mean a total
credit, a total credit line offifty thousand dollars. Okay, let's just

(01:48:57):
say you had five cards ten thousandeach fifty thousand, and if you spend
twenty five thousand and we're making paymentson it, that would show fifty percent
usage. Fifty percent usage of yourcredit line, and that is not bad
usage. However, well it mightbe a little high. But let's say

(01:49:18):
instead of five cards, you onlyhad three cards and you had thirty thousand
dollars total, and you had thatsame twenty five thousand dollars balance. That
would show an excessive use of credit. So credit a credit score is not
just your payment activity, but it'sthe percentage of credit that you use.

(01:49:45):
So having that there that account andkeeping that card at home in a say
for shredding it or whatever is notgoing to hurt you. Well. That
was one of my main concerns wasthat having to having to make you know,
people have too many cards sometimes andthat shows that you've got a lot
of debt sometimes no no, Ihey, but but listen, hector,

(01:50:09):
it doesn't work that way anymore.Now, what they look at is not
just they look at the percentage ofcredit used on a monthly basis not so
they don't care how many cards youhave. It's how many you use and
pay off that counts. If youuse too many of them, even if

(01:50:30):
you pay them off, it's showingtoo much utilization and that's a negative.
But if you only use up tillI say twenty or thirty percent utilization,
it's it counts higher in your totalFICO. Does that make sense, Yeah,
because my credit was a shot uppretty good. So it's just about

(01:50:51):
seven fifty five, So it's gonnait's gonna actually help you. Man,
It's by right, and you know, there's nothing wrong with keep it for
emergencies. Right, well, thequestion was I had I wanted to do
some more projects, but nobody acceptsthat card. Oh wait, wait wait,
what do you mean accepts it?So what kind of is it a

(01:51:13):
visa or MasterCard based or what?It's neither? Oh? Home, it's
a home repair card that they gaveme when I signed up with six twenty
four to seven to a home repaircard. I've never heard of it.
Actually, I thought it was justlike a regular card. No, oh
no, no, no, it'sa It's not a visa because I even
went to the other banks like WestWest Era and they told me, well,

(01:51:36):
if it doesn't say visa or MasterCard, I don't know what kind of
car. See, okay, whatcompany? I'm just reading this now.
It's called a Home Projects credit card? Right, Okay, I see,
so the Home Project's credit card provideshomeowners. Oh with a okay that this

(01:51:59):
is a weird one. I knowever heard about this card before? But
they say many home improvement stores likeLow's, and I believe there's a bunch
of them that take it. Well, you know, I called the home
depot and they said they will takeit. But then they called Wells Fargo
and Wells Fargo said that I couldonly use the people on their list.

(01:52:19):
Oh okay, I get it.But all the people that Wells Fargo has
on their list are brand new windowinstallations and brand new doors installing. Well
they have heating and cooling. Theyhave furniture stores. I'm looking at it
right here. They have roofing andsiding companies. They have flooring companies,

(01:52:43):
but window and door company. Doyou know why, I'll tell you why,
hector because they probably pay a discount. So, in other words,
merchants may not want to be partof it. It's like with all credit
cards. For example, if youcharge something that's a thousand dollars, the
retailer may only get you know,nine and eighty bucks or something. There

(01:53:06):
might be a discount, and theymight be that that's how they make their
money. Yeah, I got awhole bunch of I got the list,
and I went down the list,and I will say I need a couple
of storm doors replaced and a windowin the bathroom replaced with you you know,
And so they said, okay,we'll come out and take a look
at it. And then when theygot here, I mean I got a

(01:53:26):
sales for the windows all the wayaround the house, and you know,
about an hour of talking to somebody, I said, I just need a
look at the promise here. Ijust need a Yeah, they're all trying
to make this into like a leadgeneration tool. What do you pay?
What interest do you pay on theWells Fargo card? None? Because I
paid it off and I'm not usingit and I'm banking with it. No,

(01:53:47):
But I'm asking what is the normalinterest? Is there an interest rate?
Or is it so much time topay with no interest? Well,
it was seven point ninety nine Ithink it was when I had my furnace
and a Okay, okay, butit doesn't cost you anything to just keep
the card. There's no annual fearor anything though. Okay, is there

(01:54:11):
a balance on it? Its justas you have twelve thousand if I wanted
it available for home repairs. Butlike I said, it's worth us because
I really can't use it anywhere I'vealready Well, the short answer is it's
not going to hurt you. Butthank you very much because that was a
very interesting call. By the way, Dave's got a comment on this.
Go ahead, Dave. What's yourcomment? Hey, Tom, how are
you doing today. Good Dave,what's going on? It's pretty odd because

(01:54:35):
I just went through the same thingyesterday. I had ac and a furnace
down the year and a half ago. Yeah, a little little plug Plumbline
did a great job for me.Good, So Plumbline uses it too,
Yeah, And it was was fortof carrier. The way the car is

(01:54:55):
listed came on a Wells Fargo payperwork cards, his cards, his carrier
on it, right, and thenyou have your account number, but there's
there's no expiration date on it,no pin, no nothing along those lines.
Yeah, but can you can youreuse it? Well? I tried

(01:55:18):
yesterday to do another plumbing repair.Yeah, and again with plumb Line,
right, And I said, canI put this on the card? And
he said, well, let's see. And then he looked at the card.
He said, well, there's noexpiration date on it. I can't

(01:55:38):
use it. Why because he can'tuse it like a regular credit card,
right, And there's a there's amagnetic strip on the back of it,
but there was no way that hecould input it. Well, are you
a parent? Let me ask youthis? Sure? Can you call them?
Well, maybe this account is revolvingsomehow. Well, That's that's where

(01:56:00):
it gets steeper. I called aftera paid plumb line. They got out
of here right in the excellent job. So I called Wells Fargo. I
said, what's up with this card? I said, I had, you
know, it's kind of right anda half nineteen and a half thousand dollars
credit limit on it. How long? How long did it? Did you
pay off your HVAC? Yes?I did, okay, And so what

(01:56:25):
did Wells Fargo say? They said, well, we closed the account because
of inactivity. Oh oh, oh, oh oh. How long had it
been inactive? Well, probably rightout a year? Yeah, but you
were already paying on your HVAC.But was it totally inactive for a year
or were you still paying back thehvac. The HVAC was paid off within

(01:56:49):
the first six months. Oh okay, that's why, so they icee.
So they closed it automatically, iswhat you're saying, right, with no
notification, nothing, then mail sayingyou know, use this, but I
get it. Just thought it waskind of odd. And when I called
them, they just I said,can I reinstate this? They said,

(01:57:12):
no, we closed it in March. The only thing you can do is
reapply. Yeah, well, oh, well, you know what, it's
not the great It's not a badthing, but it's not the greatest.
What were you going to use itfor? I was going to use it
on the the plumbing repair that Iwas having done yesterday. Well it was

(01:57:35):
still and it was still with thesame same company with plumb line. What
do you need done? Well,I just had to have a drain cleared
out. Okay, they got here, they got it taken care of.
It was yeah, that's only ninetythree for that's what they start drain clearing.
It just ninety three or it's freethey call it, So that's not

(01:57:58):
go costs. Like I was saying, I was just I head to card.
I think I'd give it a try. Oh, I see what you're
saying. Yeah, but they don't. It's not meant to be a regular
credit card though, it's a projectcard. Thank you very much for calling
and three o three seven one threeeight two five five We got more coming
up. I want to tell youabout Compass Insurance still doing insurance checkups to

(01:58:18):
make sure you're not paying too muchor you're not under insured. That's three
oh three nine nine six nine thousand, go with a sure thing Denver's best
roofer Excel Roofing dot com. Youdon't pay a cent until you're content time

(01:58:41):
for an insurance checkup 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 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

(01:59:05):
Martino here three zero three seven toone three talk seven one three eight two
five five. Glenn's got a commenton these home repair cards that the guy
just called about. Go ahead,Glenn. Yeah, So I actually,

(01:59:27):
uh had a small eating company,and uh we use Synchrony Provincial for consumer
credit processing on that and they generallyhave deals like low fixed interest for a
length of time or indefinitey uh noprepayment penalty. They also do like six
months cash. Isn't Synchrony. Isn'tSynchrony the same as Amazon's bank, you

(01:59:53):
know, I think it might havebeen for a while. I think they
got a city bank or somebody overthere. Too, you know. But
but Synchrony does a lot this consumerfinancing with promotional deals, and it's actually
really a nice plan. I mean, I got people that can't afford stuff
using I've got people that can't affordstuff using it. And it costs us
money, is the dirty little secret. So somewhere along the line it usually

(02:00:16):
makes everybody's sales numbers go up alittle bit to pay for that. But
it's wonderful for the client if theycan, you know, go out and
drop twenty thousand dollars on a nicenew system somewhere or ten or two or
whatever they got. Okay, soso they do pay you a discount,
right, you have to pay,You get a discounted amount. We get
a Yeah, we pay somewhere betweensix and twelve percent, depending on who

(02:00:41):
it is and what the program is. And usually the longer it's finance for,
you know, the more costs obviously. But it's it's specific to the
company that pulls the promo, andusually you can reuse it with the same
company with the credit card, youknow, harm no file. It's just
you can't run it on a cardmachine. You got to go in and

(02:01:02):
process a thing called a sales slipand then tell them what promotion you're using
the next time. Oh so theycan't just go and pick something up and
use the card, right, Yeah, you got to do it with the
same vendor, and the same vendorhas to run it through synchronous facts line
and get it approved U part right. But you find do you find that

(02:01:27):
it helps you to close sales?Yeah? Yeah, it's invaluable the most
company is big or small, andit raises your revenue because you're offering a
quite a chunk of the general populationaround here, you know, an option
to get something right now that theymay not be able to sing otherwise.

(02:01:48):
You know what, You're absolutely rightthat could be a real problem if people
can't get financed. I totally agreewith you, totally. And these guys
work with people clear down into thehigh five hundred. I mean, they
may not always give them a fullline for what they want. If you've
got a five to sixty score andyou want, you know, thirty grand

(02:02:08):
and you make thirty thousand of ayear, and you still have a mortgage,
that's probably not gonna fly. Sothey're careful, but they're very very
easy to deal with. All right, Thanks for calling about that. I
appreciate the information. Three all threeseven one three talk seven one three eight
two five five. You know,I am all for designations, but I

(02:02:31):
think sometimes it gets a little ridiculous. Because I read somewhere that Denver was
given a designation. Are you readyfor it? I'm not kidding you,
as the number one city for nakedcycling. Now, somebody's got to go

(02:02:54):
through some real extreme kind of publicrelations kind of stuff to put out a
survey like this number one for nakedbicycling. Come on, I mean,
give me a little break here whenit comes to that kind of stuff,
you know, I mean, howimportant is that? And in fact,
I have never seen, I wouldsay, in all of my years,

(02:03:15):
I have never once, not onceseen a naked cyclist ever. I don't
even know if it's legal, butthat is what I read. You look
it up and they had a wholesurvey, but I don't have it in
front of me. I was goingto show you, I was going to
tell you who else ranked here,but it's not even worth it. Yeah.

(02:03:39):
Also, there was a survey doneby Monster dot com about bosses,
and they categorize bosses into like adozen or more categories, actually a ton

(02:03:59):
of categories. But do you knowsome of these categories. I look at
him and I think, okay,do you have a boss like this?
Let me just tell you the onethat stood out, because I think we've
all had one of these. Thescreamer boss, the boss who shouts and

(02:04:20):
screams at everything and is pissed offat everything. It's called the screamer boss,
or the fearmonger boss. Hey,Tom, I think it's called the
wife. Oh come on, oh, that's not popular to say. Somebody
tell him where would you tap him? Dragon? And tell him the year
is twenty twenty four? Thank you, isn't it? Yeah, it's twenty

(02:04:45):
twenty four. Just in case you'renot supposed to say like things like that,
the screamer boss. What about thefear monger And by the way,
speaking of such, if that istrue, then deputy Doc got fired anyway.
The fear monger boss, the onewho wants you to fear for your

(02:05:06):
job all the time. That's asick feeling. Or the manipulator. This
is a smooth talking boss, butit's more of a smooth talker motivated kind
of but they want to get youto do things you see, they look
at people as resources. Hey Johnny, you're doing such a great job.

(02:05:28):
Have you thought about doing this?What about the bumbler boss, the boss
who almost does nothing right and they'realways worried about their own job, and
you kind of feel sorry for them, almost, But they're not terrible people.
You almost like you, like Isay, feel sorry for them and

(02:05:48):
support them. Sometimes that's a purposefultechnique. Now that's a little different than
the clueless boss. Now, theclusless boss is truly clueless. They don't
even know they're bumbling. They're justclueless, and you wonder how did they
get their job. That kind ofboss is kind of weird. They can

(02:06:13):
make like edicts and requirements that makeno sense. That's the, in my
opinion, the worst kind of boss. I mean, a screamer boss.
You don't want one of those andall of that. The fear guy.
I hate the fear guy. Idon't know if I've ever had a fear
guy. I've had some fear middlemanagers at times over the years. The

(02:06:33):
manipulator, Yeah, we see that, the bumbler, the clueless. What
about the old school boss. Thisis the way things used to be,
and this is the way I dothem. I mean, really, that
won't work anymore. But what aboutthis one? The god boss. Not

(02:06:56):
a yell er, not a screamer, not a manipia, but they just
feel like they know it all andmy power is above all. So you
just do this, John, John, I've noticed here. This is what
we're gonna do, you know.And then the Teflon Boss, well we

(02:07:20):
know what the name means. Comeon that Teflon boss. Never ever ever
is anything his fault, never ever, ever, ever ever, everything is
what he inherited or because of hisemployees. And then you have I don't

(02:07:43):
get this one, the what boss. It's like, where is he?
What boss? It's the guy thatdrives by work every once in a while
or phones it in. He's kindof a boss. The owners love him.
They don't know why. They neveryou never see the he's out golfing
or sometimes doesn't even come in.You kind of do all the work,

(02:08:05):
but he's the boss. And thenthe paranoid boss. This is outright the
most terrible boss you can have.Hey, who were you talking with?
What was that all about? Didsome and so call you about me?
Or why are they doing this toour division? What the hell's going on

(02:08:28):
at that board of directors. Idon't know if I'm going to be around
along. That is the paranoid boss. Yeah, totally different than the other
kinds. They're like, just really, it's just paranoia. And then what
about the boss this one, thisone is not to be confused with the

(02:08:50):
martyr boss. The martyr boss islike, oh, I'll do anything for
the good of the company. Everythingis company rah rah. But then there's
the other kind, goes it's kindof like that. The world on his
shoulders boss, everything is too myOh my god, I have worked so

(02:09:13):
hard this week? Are you kiddingme? We gotta I gotta do this
too. I guess I'm not surprised. I'll deal with it. The world
is on his shoulders? What kindof boss do you have? How about?
Okay, this one is probably Idon't know. What do you think

(02:09:33):
about the buddy boss? What doyou think? Hey, shut up ragging?
Oh dragon, that's a manipulator rightthere. Hey, anyway, the
buddy boss, the buddy boss.Everybody is there, buddy, hey,
buddy, hey, hey, youwant to come over. We want to
go out for coffee. You know, you get close to the guy and

(02:09:56):
then bam go with a sure thingDenver's Best Room for Excel roofing dot com.
You don't pay a cent until you'recontent. 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 one

(02:10:16):
help. You'll think you're his onlycustomer when you choose Frank durand the real
estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. HiTom Martino here three oh three seven one

(02:10:41):
three talk three oh three seven onethree eight two five five. So let's
take this question on a lane violation, because I just paid one this morning.
I got sick in time and it'snot mine. Was my son a
double lane? More and more peopleare getting these, My god, they
just are unbelievable. They seem tohave cameras everywhere, and for those listening,

(02:11:07):
we're not talking about a speeding violationor running a red light. They
notice your carn in an express lane, and then they notice it not in
an express lane yet that you didnot go through one of the things.
So they're assuming you crossed the doubleline. Is that what happened, Floyd.
Yes, as a matter of fact, that is what happened, Tom.

(02:11:28):
And they charge you seventy five dollarsif you pay immediately or or it's
one hundred and fifty if you don'tcorrect if you don't pay it by a
certain date. And I just gotit yesterday and the delay in getting the
actual citation was two weeks. SoI have two weeks to pay it,
which I'm fighting it. But theydon't make fighting it any easier, Tom.

(02:11:52):
When you got online, Yeah,I went online and I saw there
was a place to fight it,but I didn't do it. What it
was? What's involved in fighting it? Well, you go, you go
to their website, you go in, you type in your your license plate
number, your violation. Right,I got all that right, Yeah,

(02:12:13):
So it allows you to go inand you have to select a reason why
you're fighting it. And the reasonsare like, my car was stolen,
it's not my car, it's arental, it's the owner's dead. I
mean ridiculous things. You basically youcan't contest it based on I just I
disagree with this. You have tohave one of these ridiculous outs to to

(02:12:37):
get get out of it. Andif you select other, it tells you
you didn't select the civil penalty reasonor something. So basically, this organization
who gives them authority? And Imean, I just feel like telling them,
you know, gives it? Youknow, Well, here's I'll tell
you who gives them authority? Whenwhen they sign up as a municipal with

(02:13:01):
a municipality to take care of thisor the state, then the state gives
them authority to do it, okay, or the municipality in other words,
in other words, they do givethem. Now, you know, here's
the thing. The way to fightit without fighting it like that is to

(02:13:22):
not pay it and then you wouldbe served. That would be a better
forum if you simply want to say, I don't believe, but but how
do you fight it? Though?If they have a picture of your car
in and out, Yeah, oneis in the the regular lane right right,
and then the other one is inthe Now I know, I know

(02:13:45):
they don't show you actually crossing.I get that exactly, this is big
brother. But but where they setthose up, where they set the cameras
up is after the toll reader.So if it's not Listen, I know
what I'm saying. What I meanis this, if you're in the express

(02:14:09):
lane before the toll reader and thenyou're out of it. No, wait
a minute, wait a minute.No, no, no, I don't
understand. Wait access areas what they'retelling me. I know, I know,
yeah, they're saying. They're sayingthat if you if they read your
plate going through that reader, No, that's not it either, then you

(02:14:31):
would have gotten a toll I don'tget it. I don't, I don't.
I think there's a way they takea picture, and I know my
YouTube morons probably know when you're drivingthe picture this, they take a picture
of you outside of the lane,and then after the toll reader it's inside
the lane. Then they think youbuy that's what it is. Then they
think you bypassed it right right,yes, yes, And they're calling it

(02:14:54):
a safety violation. I know that'sexactly. I know. There's nothing safe
about it or unsafe. Yeah,it's And I'll be quite honest, I'm
new with this express pass. Iforget I even have to. Yeah,
but truly, oh truly, though, here's the deal. Truly, what

(02:15:15):
the hell you know? You probablydid it right, I mean, what
would you when you say you woulddisagree, When you say you would disagree
just to disagree? What does thateven mean? Then? I did anything
wrong? I mean I got topass. You know, I have a
preloaded pass with you know, onehundred bucks on it, And first off,

(02:15:35):
I mean I didn't even know youhad to enter it at a certain
spot. I'll be honest, Ihad no idea, so I told him
at lane headed north. But therewas no safety implication there. You know,
I'm a safe drive. Yeah,you know what though you're gonna you're
not gonna win. I know,I know. But it's seventy five dollars.
How do they justify a stupid seventyfive dollars charge for this er?

(02:15:58):
You know? It's ah, Iagree with you on everything you're saying.
I think it's one of the dumbestviolations. Look, you know, running
a red light that's different. Now. I don't think going three inches over
that line you should be charged,But running a red light, I can
see where you'd be charged. Donald, Do you have a question about state
pension? I'll take red after this. Just hang on, Okay, we

(02:16:20):
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(02:16:41):
three seven to seven to one help. You'll think you're his only customer when
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Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Artino,
you're troubleshooter three three seven to onethree talk three h three seven one

(02:17:03):
three eight two five five. Let'scontinue and uh we uh have Donald who
has a question on a state pension. Go ahead, Donald, Yeah,
uh, Tom, you're the troubleshooter. I just need the phone number to
see if buncle Billy and get apension from the state of Colorado. Since
he's been here, it was alwayslife if who can uncle Billy lives?

(02:17:28):
See we live in the Forum.It's an apartment building right by the City
and County building. And he wantsto know if he can get an old
age pension from the state of Coloradosince he worked here all his life.
Did he work for the state?Oh uh, that's why I called you
up. I go, wow,you didn't work for the state. No,
he worked for like cores. Butthere is are you? When you

(02:17:50):
say old ad pension, do youmean social Security? I already get that.
Well, there's no other. There'sno other automatic pension for anyone just
because they've worked here. You knowwhat that's Well is telling him. I
think he's talking about his buddy Steve, because Steve worked for the city in
county. You know, yeah,yeah, No, here's the deal,

(02:18:11):
Donald, Donald, listen. SocialSecurity is the only universal one. If
you've worked forty quarters, that's theonly one. The only other ones would
be specifically, like if you workedfor the educationals for schools, or if
you worked for the state or federalgovernments, but that's totally different. Or

(02:18:35):
if you worked for a nonprofit andyou had a four to h three B
or other or a four to ohone K with a private company, or
even a four point fifty seven isanother kind of a plan. But none
of these are automatic. I mean, if he wasn't part of it,
there's no way he's going to getanything so you better tell him that that's

(02:18:56):
it now, Brad O'Brien really quickly. The just cause lease says you have
to have what a good reason foreviction or excuse me for not renewing?
Is that? What? It saysyou have to have one of the stated
reasons for not renewing a tenant atthe end of their term, which is
you want to sell the property,you want to landlord wants to move back

(02:19:18):
in, or their family wants tomove back in, or you want to
renovate it. Do you think it'sthat burdensome or not, because it sounds
like those are pretty reasonable or not. But if you simply want to rent,
let's say, to a sibling orto a nephew or niece, can
you do that? No, thefamily member has to be in your immediate
family. Oh so you can't justif you have like a nephew graduating college

(02:19:41):
and you want to rent to them, you don't have the choice. No.
I think it's your immediate family wow, and your dependence. Okay,
But so there is some restriction then, and a tenant can always challenge it,
right yep? All right? Bythe way, olslaw dot com.
When Bras and I here olslaw dotcom seven to zero three seven zero seventy

(02:20:05):
three eighty eight Save all your problemsfor me,