The Troubleshooter 7-9-25

Episode Transcript

Speaker 1 (00:05):
Ripped news, need advice? Who you don't have?

Speaker 2 (00:12):
Come, run in just as fast as we can.

Speaker 3 (00:16):
Shooter's gonna help come.

Speaker 4 (00:20):
This is the Troubleshooter Show. No Tom Martino.

Speaker 1 (00:24):
Welcome my friends to the only shovin this guy and
we're here to sell Brown's answer questions, take complaints. Our
goal in life is to make your life just a
little bit better. We're here to educate. We're here to
go after the bad guys. We're here to recoup money.
Maybe some contractor took money up front, never finished the job,
or maybe he did a lousy job. Now he doesn't

(00:45):
want to answer the phone. I think he gets the idea.
Three zero three Martino. That's the number that is so
easy to remember. And by the way, that number works
on and off the air, three zero three Martino. You
can also call three O three seven to one three
eight two five five or three O three seven one
three talk. That number works while we're on the air,

(01:08):
Like right now, we have two lines open around Serry,
one line open. I would love to hear from you.
I love diving into problems. We love helping people. We
have a team of experts at referral lists dot com
that can jump in and help at anytime. By the way,
today in studio a great, great, great set of guests.

(01:28):
John Clace partner in lending dot Com. He works for CMG,
one of the largest home lenders in the country. They
operate in every state, multiple different kinds of products like
reverse mortgages, standard mortgages, refis. They have the all in
one loan we'll talk about. We also have Frank durand

(01:50):
the real estate Man, a realator I have personally used
numerous times. Stephanie Thomas Real Tour extraordinary South side of
Town in Colorado, Springs Pike Beach Region. Welcome one in all.
How's everybody doing? How is home sales? Let me ask
everybody that right now? Frank Denver Metro, what is the

(02:12):
average sale right now? Good morning, my friend. You know
the median price right now is six'.

Speaker 5 (02:16):
Ten the average for residential listings is seven forty, three
five seventy.

Speaker 6 (02:20):
Two AND i get.

Speaker 5 (02:21):
This inventories. Up we're a little over fourteen thousand active.
Listings the inventory is a little bit. Up that's the
highest since Win oh since twenty. Eleven oh, my since two.
Thousand the most inventory since is twenty. Eleven but get this,
mark home prices remain strong and dead that. Possible i'll
tell you how how can demand drop that? Much what's
the average time on market right? Now about thirty seven

(02:43):
days roughly between well between it varies a little bit
because so you know about thirty seven days for all
residential single family, homes around thirty three.

Speaker 1 (02:50):
Days what was the average at its, peak in other,
words when homes were flying off the, shelf what was
the average well, mark i't.

Speaker 5 (02:58):
Tad when we were down to like a eleven days of,
inventory we were getting these homes within less than twenty four.
Hours it was not unusually we'd have up to twelve
or fifteen, bids and that's how crazy it.

Speaker 1 (03:07):
Was and that's when people would have to show up
with more cash than what it would come.

Speaker 5 (03:11):
In and it was through the. Roof we were selling
fifty eighty one hundred grand over. Asking sometimes that's, Unbelievable.
Stephanie how About Colorado? SPRINGS i know it's not as
crazy As Denver, metro but where you.

Speaker 7 (03:21):
Guys Hat, yeah so our average sales price For Colorado
springs is right about five seventy.

Speaker 3 (03:26):
Five?

Speaker 1 (03:27):
Wow so what's the media pretty?

Speaker 8 (03:29):
Strong?

Speaker 7 (03:29):
There our median comes in a little a little lower than,
that like five. Hundred, yeah SO i see some in
the high forest, Too SO i think we're kind of
sitting in that ball.

Speaker 1 (03:38):
Game but our days on market are.

Speaker 7 (03:40):
Higher so right now with, Actives i've got seventy three
current days on market with the active, inventory.

Speaker 1 (03:45):
And that makes the sellers actually, adjust. Right are you
guys starting to see people drop pricing or?

Speaker 7 (03:50):
No you, KNOW i see it, some but we're not
seeing anything like, catastrophic you, know nothing that anything would
call like a bubble or anything like. That we're not
seeing like, major major. Drops but you, know some people
are adjusting. Some but our, inventory our active inventory In
Colorado springs is under three, thousand you.

Speaker 1 (04:07):
Know so we've been looking for a house up In,
Louisiana Slide, dell something on the water for probably two
or three years, now and we've made some offers and
we've come in over and we just nothing is connected.
Yet but the amazing part is Now i'm starting to
see massive discounts out of. There i'm starting to see
the same HOMES i looked at three months, ago and
all of a sudden they have dropped twenty thirty forty thousand.

(04:30):
Dollars that's so different in. HERE i wonder If colorado's
going to start dropping as. Well what is your pull
out your crystal, Ball, Frank.

Speaker 5 (04:39):
Well, Mark i'll say, this, This this is what's confused
a little. Bit this is why PRICES i believe remains
strong In, denver even though inventory is up a.

Speaker 1 (04:47):
Bit now watch.

Speaker 5 (04:48):
This sometimes buyers, believe, oh it's now shifted into a buyer's.

Speaker 1 (04:51):
Market well let's think about.

Speaker 5 (04:52):
That back in two thousand and, eight inventory was right
a little over twenty six thousand homes for.

Speaker 1 (04:56):
Sale we're nowhere near. That this is more of a balanced.
Market so. Times i'll give you an.

Speaker 5 (05:00):
EXAMPLE i had one the other. Day we had listed
first three offers, lowballs AND i told the, seller hang in,
there hanging. There you don't feel rush to jump on
the first. Offer how? Long how long after you listed?
It are we talking all?

Speaker 1 (05:10):
Over two? Weeks and then and then we got our.
Price then we got our.

Speaker 5 (05:13):
Price so many of these, sellers if you low ball
them too, much are gonna, say, hey you know, what
we don't have to sell that. Desperately we're going to
wait for the right. Offer so that's WHY i believe
prices remain strong In. Denver few price the home.

Speaker 1 (05:23):
Reasonably, wow that's cool now the money Man John. Clace in,
FACT i want to thank, You suzanna AND i both
want to thank. You you helped our son. Out he
closed on his first Hoss. Monday that's, Right, mark so.
Exciting you got that whole deal done in less than three,
weeks literally from his phone call to you to. Funding in,

(05:44):
FACT i didn't know you guys funded last. Week that
money was sitting with the title company since last. Week
even though that was a shock to, ME i didn't know.
That generally a lender comes in like in the last
eight minutes and you know everybody's waiting on the. WIRE
i know you guys don't do, that but anybody that's
bought a lot of homes has gone through. Closing sit
don't go. Perfect that thing was.

Speaker 6 (06:05):
Perfect, oh thank you hit the. Button thank You. Mark,
yeah it was a good.

Speaker 9 (06:11):
DEAL i, mean you, know your son's great, jobs you,
know which made it.

Speaker 1 (06:15):
A lot easier for.

Speaker 9 (06:16):
Us but it's still to get it through in less
than twenty. Days you got to stay on top of
stuff and get responsible and all.

Speaker 1 (06:23):
That here's WHAT i learned when we've closed on stuff
in the. Past, actually the last one we did was
with you as, well and that was like five years.
Ago we did the all in one, one but prior to,
that What i've learned from closing usually when another document is.
Needed this is the biggest difference with you guys versus
anybody Else i've. Used you, know you have to submit.

(06:45):
SOMETHING i can't imagine if you were self. Employed back
in the, DAY i was self. Employed My i'm still self.
Employed so we always have to give way more than
THE w. TWO i, mean they're looking at bank statements for,
years they're looking at everything you can. Image and then
with the all in one, loan you, know you're also
bringing in, assets which is cool because it's asset based

(07:06):
along with other. Things BUT i don't want to go
down that path right. Now but anytime the underwriters need something,
else and people listening to me you know What i'm talking. About,
oh the underwriters need, This so what do you? Do
you send it over to whoever's your agent or your,
broker and then your broker's got to take the information
and then they get it over to whoever the bank LIKE.

(07:28):
Cmg then someone there gets it to the. Underwriter it
takes two or three days to usually just move a
piece of paper from the borrower to the underwriter and
then get the word. Back oh, wait we need one more,
thing and then you start. Over so it takes a
week to you, know come up with whatever's. Needed with, you,
GUYS i swear the underwriter they must work for.

Speaker 3 (07:50):
You they.

Speaker 6 (07:50):
Do.

Speaker 9 (07:51):
There we have direct connection with, them which is nice
and makes things a lot.

Speaker 1 (07:55):
Easier you literally talk directly to the.

Speaker 6 (07:57):
Underwrite we'd see say we need, this call.

Speaker 9 (08:00):
VERIFY i want to make sure this is what we
need from the bar right, there ten minutes and boot
over you and then get the right documentation because like you,
said a lot of times you send in the, documentation
it's the wrong. Documentation now it's gonna take you another
week or. So but, no we have direct contact with all.
AROUNDER i think it.

Speaker 1 (08:17):
Was eighteen, Days, frank eighteen days From miles calling them
up To bam closing and the interest rate was great and.

Speaker 6 (08:25):
We needed to get an.

Speaker 1 (08:26):
Appraisal oh that's, right and he got the appraisal done
and in that period of, time in, fact and it
makes it even more. Challenging people don't realize, this but
when you're buying something in Rural. Nebraska my, goodness to,
fight there's like one.

Speaker 9 (08:41):
Appraiser there was like one within within one hundred miles
Of did you know that.

Speaker 1 (08:46):
Both realtors automatically once we ordered the. Appraiser they already
knew exactly who.

Speaker 6 (08:52):
It was going to, be which is a good.

Speaker 9 (08:53):
Thing at, least, yes they all know each but, yeah
but the appraiser had to travel seventy miles to get The, yeah.

Speaker 1 (09:01):
And the interest rate was in the mid six is absolutely.
Great EVERYTHING i talk about with you, Guys i'm so
happy to use, people just Like i've Used frank And.
Stephanie i'd use if we bought something up. SOUTH i,
Mean i'm not moving up, there THOUGH i live close
enough in frank down the WAY i have to go.
There all, right let's go To. Ed ed's got a
problem With? Amazon, ed what's going?

Speaker 10 (09:21):
ON a couple of.

Speaker 11 (09:24):
PROBLEMS i bought a dishwasher back in two thousand and.
Three it worked for a couple of, months it. BROKE
i sent back To.

Speaker 1 (09:33):
Amazon, Hey, Ed, Ed i'm SORRY i did did you
say two thousand and? Three, well hold, ON i didn't
know you could buy what do you? Buy direct from the,
company for, Example, whirlpool or it literally ships from An amazon.
Warehouse how does that work on a.

Speaker 11 (09:49):
Dishwasher it's a countertop, dishwasher, okay and it ships From.
AMAZON i got.

Speaker 1 (09:57):
You it's kind of a small.

Speaker 11 (09:58):
One, yeah it's a small, one.

Speaker 12 (10:01):
Okay and SO i sent it.

Speaker 11 (10:02):
Back they sent me the paperwork saying that it had been. Approved,
well what happened.

Speaker 12 (10:07):
WAS i charged it on.

Speaker 11 (10:09):
A debit card THAT i. Had, well a debit card got,
compromised SO i canceled the. Card, well When amazon refunded the,
money they refunded it to the canceled.

Speaker 1 (10:21):
Card oh. Boy and so a couple things.

Speaker 11 (10:25):
Talked to, them like dozens of times about, this and
they just don't have anybody trained to.

Speaker 12 (10:31):
Deal with this kind of a.

Speaker 11 (10:32):
Problem and one lady sent me some kind of a code, saying,
well send us to your bank and they'll be able
to track the. Refund, WELL i took it to my.
Bank they said they'd never seen any code like. This
they said the account was closed and there was no
possible way THAT i ever received.

Speaker 13 (10:52):
The.

Speaker 11 (10:53):
REFUND i had the bank write me a letter stating
THAT i sent it To, amazon AND i never hear
anything back from. Them they GET i get on the
phone with, somebody and you, know The philippines Are. INDIA
i can't understand them.

Speaker 1 (11:09):
At a couple. Things so what bank was that debit
card connected?

Speaker 10 (11:13):
To First?

Speaker 1 (11:14):
Bank so when you went To First bank and basically, said,
hey what happened? Here and you brought this number tracking
number Whatever amazon gave, you they didn't know what that number.
Was but they did. Look they did look at your
checking account or savings or whatever the card was attached,
to and there had never been any refund to.

Speaker 12 (11:33):
It there's never been a refund to.

Speaker 1 (11:35):
It and then when you call hold hold. On then
when you call back To amazon and tell them that
where do they put the? Ball then.

Speaker 11 (11:45):
They say they're going to have to upgrade it to
a specialty. Team, Okay AND i never hear back from
them once it goes up to the specialty.

Speaker 1 (11:54):
Team and how long ago was? This i've been dealing with.

Speaker 12 (11:59):
This for about a almost a year.

Speaker 1 (12:00):
Now that's.

Speaker 14 (12:01):
Unbelievable but the account to the checking account that the
debit card was associated with is still, open, corrected just
the debit card has changed.

Speaker 12 (12:11):
Open just that card wasn't. ACTIVE i think we.

Speaker 1 (12:15):
Put Deputy dollar on this to make a phone.

Speaker 14 (12:18):
CALL i think so, Too.

Speaker 1 (12:19):
Mark, YEAH i want him to call over. There he's
he's got an accounting, background BUT i want him to
call over there on a three way call with. You
is he Around suzanne? TODAY i think he's. Around he's
usually listening on the on the. YouTube i'd like him
to actually do it today during the, show as soon
as we put ad on hold and make that. Call
i've got a backup idea for you. Too AND i

(12:42):
kind OF i dealt with something. SIMILAR i tried to,
WELL i sent back a. Computer, Actually i'll take. It
i'll put it this. WAY i never got a, computer
and BASICALLY i couldn't Get amazon to credit me the.
Money and FINALLY i ended up well taking the small claims.
Court as soon AS i, FILED i ended up getting the.

(13:03):
Refund SO i know that's gonna work long as you're not,
bsen AND i don't think you.

Speaker 12 (13:08):
Are, No i'm definitely. Not And i've got all the
paperwork cur of.

Speaker 1 (13:12):
It and how much are you talking about? Here one hundred,
bucks five hundred.

Speaker 12 (13:16):
Bucks it's about two hundred and sixty.

Speaker 1 (13:18):
Dollars i'd argue they owe you some interest to hold.

Speaker 15 (13:21):
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Speaker 1 (14:08):
All right three three seven one three eight two five
five two lines open threeh Three, Martino Deputy scott's going
to help that last caller. Out hopefully we get an
update on. That we can help him out. Today sometimes
we know how to get through to the right people At.
Amazon but if he needs to Take amazon to small claims,
court long Is amazon's the one that took the payment

(14:29):
In generally that is how it. Works they're going to
open their eyes and see that they never gave the
guy the. Money get it to the right, department escalate.
It but that's a last. Resort it's kind of a
pain in the. Ass but that will definitely. Work SO
i ensure that caller that hopefully we get an update
on that during the. Break by the, way if you

(14:50):
go to YouTube and type In Troubleshooter, network he'll find
our live. Show during the, break we talk a, lot
And frank Asked john an intro stink. Question frank go
ahead asked him again on Air, Police.

Speaker 5 (15:04):
So, john what we were talking. About we heard rumblings
that they may cut rates In. July here that's now
taken off the. Table there was a higher probability of
rates to being cut In. September now we're hearing that's
maybe down about thirty three percent of that sound, Right, yes.

Speaker 6 (15:16):
It sounds about.

Speaker 9 (15:17):
Right BUT i do in my belief they Will september
start cutting and then obviously they're putting a lot of
pressure On powell's got another year on his, contract but you.

Speaker 1 (15:27):
Know if it's a little lesson a, year if it.

Speaker 9 (15:29):
Goes trump's, Way he's going to have his guy in
there pretty. Soon and then once that, happens you know
his you, know directive of that guy cat.

Speaker 3 (15:37):
Up.

Speaker 1 (15:37):
Be my thoughts on that, IS i Think powell is
completely political. Here if any other president was in there right,
NOW i do not think we would be looking at
the rates as we are right. Now AND i say
that because of the job, reports AND i say that
because of the inflation. Numbers, yeah and that's pretty much
usually when this would be coming, down but he simply

(15:58):
doesn't want to do. IT i think it's one hundred percent.
Political and WHAT i Think trump should do right now
it probably wouldn't, matter but in the next three or four,
months install a SHADOW. Fed and WHAT i mean about
that is tell everybody who you're going to be picking
to run THE, fed and people need to start asking
him what he's gonna do. NOW i, mean people might

(16:19):
disagree with, that BUT i think it's purely. Political do
you think it's?

Speaker 9 (16:23):
POLITICAL i mean it seems like political because they, keep, oh,
yeah tariffs might raise. Inflation but we've been long enough
to where you said, it, right jobs and, inflation that's
any other. Time these rates would be cut.

Speaker 1 (16:34):
Down any other. Time AND i find it absolutely remarkable
they're not Cutting BUT i also want to say, this
we just closed it under a little over the mid
sixes and you you're all's rates are, great but you
got to, understand, folks our first, house Who's anna AND
i bought in nineteen ninety three or. Four, yeah we

(16:56):
were in the. Sixes that was. NORMAL i mean we
were very. Load to have a two to three percent
interest rate like some people are used to is, ridiculous, Right, John.

Speaker 6 (17:06):
It's ridiculous that we. Won't AND i get.

Speaker 9 (17:08):
It people that are on them probably are questioning about
selling their.

Speaker 6 (17:12):
HOUSE i used to doing different, things but, yeah.

Speaker 1 (17:15):
What would you? Say how long you been in the?

Speaker 6 (17:17):
Bus about fifteen years, Now so.

Speaker 1 (17:19):
What would you if you had to crunch an average
or maybe you know the? Number what is the? Average?

Speaker 6 (17:23):
Averages average is about seven and quarter? Percent seven in a?

Speaker 1 (17:27):
Quarter, yeah, yeah and we're lower than average right?

Speaker 6 (17:29):
Now, yeah well think about.

Speaker 1 (17:30):
That we're. Lower but people are, like oh my, GOODNESS
i REMEMBER i can cash out once a. Year AND
i got to say this to. People you know what
happens when you cash out all the? Time how many
people did you? Know and, LISTEN i disagree with, this
but how many people do you?

Speaker 16 (17:45):
Know?

Speaker 1 (17:45):
John they came to, you, say in a five year
period and did multiple refis.

Speaker 9 (17:51):
A lot a line they used It and, unfortunately, yes
you don't realize that advertise interest and how it just
built back up and what your actual.

Speaker 1 (17:58):
Interest you have no idea how much you're paying on
that house at that. Point and here's the other part
with closing costs and. Everything, really what you're doing is
selling that house on the, slow in the. Low you're
selling it slowly because by the time you finally do
go to sell it and, move your equity stance is
next to.

Speaker 9 (18:18):
Nothing, yes when you keep pre finance and keep taking,
them but a lot of people need their house to
do cash outs and they have to off other.

Speaker 1 (18:26):
Debts, yes it's better than credit. Cards, well so we're
Going Sometimes i'd argue that bankruptcy is. Better i'm not
asking for your opinion on. It i'm just saying SOMETIMES
i think bankruptcy is better because if you have to
even A Robin peter to Pay paul can happen on
your own that can be on credit, cards that can
be on your, house that can be on car. Payments

(18:47):
you're borrowing from the equity in your house to pay
for a new. Car you shouldn't be, buying or you
shouldn't have. Bought people got to be very, careful AND
i want to say something to everybody. Listening you do
not start accumulating any kind of wealth until you have no.
Debt AND i know other people say that there's radio
shows built off of, that and it's so. True until

(19:09):
you literally have no, debt until you own that, house
until you own those. Cars And i'm not saying if
you can get zero percent interest on a, car don't
take advantage of. It who Wouldn't that makes perfect, Sense
but in, general, seriously in, general you don't make any
money until your debt's paid.

Speaker 9 (19:29):
Off that's WHY i think everybody should look at the
all on one. Loan you're so interest is reverse simple
interest compared to amortized, interest and it's a way to
get out of debt without piling on a bunch of.

Speaker 1 (19:41):
Amortizing the average person pays off their. Home how much
quicker with that loan we are.

Speaker 6 (19:46):
At seven to eight years average.

Speaker 1 (19:47):
Payoff think about, that instead of having a thirty year
mortgage where you're paying all that interest. Upfront there's a
product out there where the average person that gets. It
listen to, this not some made in the, sky, None
we're pie in the. Sky the average person that gets
his loan pays off their house in seven to eight,
years they own their house and still have access to

(20:10):
all the equity for thirty. Years if you need, it it's.
There but you have no mortgage, payment you have no
interest you're paying in the. Meantime we paid ours off
in less than a.

Speaker 9 (20:21):
Year, yeah basically zero balance to zero. Interest let us
liquid need stay.

Speaker 1 (20:27):
Access and here's something, listen. Folks something he just said
is big simple. Interest you don't pay all that interest.
Upfront look at the first payment on a thirty year.
MORTGAGE i just looked at one for my. SON i
just looked at. One how much? Interest, Okay, john just
use your crystal, ball but you know these. Numbers let's
say it's a two thousand dollars mortgage payment and it's

(20:49):
your first one on a thirty how many dollars approximately
go towards the principle of that?

Speaker 6 (20:55):
Loan ah to the.

Speaker 9 (20:56):
Principle out of the two, thousand probably about one hundred time,
dollars maybe.

Speaker 1 (21:01):
Nineteen hundred dollars in. Interest what would simple interest be
on that simple?

Speaker 9 (21:06):
Interest you know it's worked difference on the, balance but
simple interest on the two the simple interest would be
about two hundred and fifty dollars.

Speaker 1 (21:15):
Two hundred and fifty bucks versus nineteen hundred, dollars and
people ask why they look at the end of, that
go to your mortgage amortization, schedule and look how much
you pay for that house when you're, done if you
actually stayed there thirty. Years no one. Does so these
people that refly all the, time they could possibly be
in that fifteen years where they're actually starting to pay

(21:36):
down principle more than they are the. Interest and what
do they. Do they refi and then the idiots are
right back to where they started paying nothing but. Interest
they never pay off their. House AND i don't say.
This if you need the, money if you have to have,
it medical, expenses maybe you got to bail your kid
out of. JAIL i don't care what it. Is if

(21:57):
you need, it you need. It But i'm, saying if
you can do anything in your power not to keep,
refinancing please do. It and a lot of these lenders
advertise all the, Time, oh come get cash out of your.
House that's their whole that's where they make their, money
that's their whole. Spiel time to, refinance all, right, Listen
Tim terry and fuck fuck interesting insurance fraud ooh agent of.

(22:24):
Chaos TikTok video follow, Up, Terry we're gonna do. That then,
fuck we're gonna be able to help you out with insurance.
Fraud and then an issue with a vacation. Package i'm
wondering who he used to buy the, package but we
have got a lot of angels in that. Category everybody hold.
Tight this is a troubleshooter.

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Speaker 15 (22:56):
Content i'm for an insurance check up, free no obligation
comparison Call compass insurance paying too much your coverage at
dozens of insurance companies find out now three all three
seven to seven to one. Help you'll think you're his
only customer when you Choose frank durand the real Estate
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(23:17):
three all three nine two zero sixteen twenty two.

Speaker 1 (23:24):
All right three three seven one THREE a two five.
Five by the, way over three hundred million dollars cash
merchandise exchanges. Refunds this next one is it's an interesting, Story.
SUSANNE i want you to get out some of the
text back and FORTH i don't want. TO i don't
want to use this guy's. Name we'll call Him agent Of.
CHAOS i don't know what his deal. Is, yeah it's pretty.

(23:46):
Strange So terry called, Up, Hey, terry how are. You i'm,
Good i'm doing. Great So terry called up a couple
of weeks ago or a week, ago last, Week, yeah last,
week and it was Just range's. Story she's got a
building in Downtown denver and the area around her, building
the building's been there for a long long, time and

(24:07):
her family business has been in there since the, sixties, Right, Terry.

Speaker 13 (24:13):
Yes and this building is about nineteen sixty.

Speaker 1 (24:15):
Five, Yeah so the building and her, business everything's been
there since the. Sixties and what they've done out of
there for the whole time is build, springs specialty, springs
maybe for automotive parts or for a. REFRIGERATOR i, mean
give us some ideas of different, Springs.

Speaker 13 (24:31):
Terry so we cut the manufacturer because springs are very
specific to the.

Speaker 1 (24:36):
Application, yeah the, tension the, size, everything.

Speaker 13 (24:40):
Right, Yeah so we make springs for exercise, equipment fiber, optics,
wown other manufacturing, plans safety. EQUIPMENT i, mean you name
it and we do.

Speaker 2 (24:53):
It we work with a lot of.

Speaker 13 (24:54):
Other, manufacturers and we're talking well as. Individuals and how.

Speaker 1 (24:57):
Many years is That i'm trying to do? Math that's
not my nineteen sixty.

Speaker 13 (25:01):
Two we've been in business for sixty three.

Speaker 1 (25:03):
Years, Yeah and that's what they've. Done it's a family.
Business they've been doing it. Forever and that used to
be an entire industrial area In. DENVER a lot of
old buildings sold out there were knocked, down and now
there's condos and. Apartments in, fact you're about the only
old building there.

Speaker 13 (25:20):
Right, yes THERE'S us and the building that is directly
south OF us is Where Whole food's regional office. Was
they leased that, building but they moved out like the
end Of, february and they're looking for new. OCCUPANTS i
think it's the.

Speaker 1 (25:35):
Moment So terry calls up last, week this is so,
odd guys and, says look at this TikTok video and
we're going to put up the link to it on our.
YouTube So, susannah make sure we have the link, up
make sure it's still. Up agent Of. Chaos it would
be nice if you took it, down But i'd like
to know if he. Did but listen to. This he

(25:57):
puts up this video and it's him talking and at
the bottom it says something along these. Lines are these
people part of The russian? Mafia question mark or some
mafia or something like, That and he's basically saying something's going.
On i'm going to tag THE fbi and THE cia
in this because something's going. On are they drug? Dealers

(26:21):
are they? This he's alluding to something very nefarious from
these Spring. Makers, yeah that's how stupid this. Is that's
crazy for no. Reason, yeah like no reason at. All, So,
suzanne you reached out to HIM i on TikTok and
basically in a nutshell what did you ask?

Speaker 14 (26:38):
Him, okay so he GOT i reached out to him on,
TikTok on his website and On. Instagram he got back
to me On instagram and we've been messaging back and
forth over the long.

Speaker 1 (26:50):
Weekend, mark you And i've been traveling.

Speaker 14 (26:52):
Whatnot and at first he was, like look, IT i
don't want to read LIKE i don't want to get
boring with. This he, SAYS i just us a couple
of questions which no one's been able to provide an answer.
For and, instead as soon AS i posted a video asking,
QUESTIONS i received death threats from illegal activity involved?

Speaker 1 (27:11):
Accounts what was what was one of the questions he,
asked because listening to, that it's. Absurd it's more of
alluding to the fact that, THERE i don't know if
it was drug dealing or mafioso's. Stuff what questions and
what business is it of agent of chaos, kaos agent of?

(27:32):
Chaos on? TikTok what business is it to even care
what a business is doing in that building that's been
there since it. Opened you're the nubie in. Town what
the hell are you doing? There?

Speaker 14 (27:46):
Terry what kind of questions was he asking on thet?
TikTok remind, me.

Speaker 13 (27:51):
Well he just said that we were kind of a sketchy,
business sketchy shady thing About, yeah sketchy, shady saying that
he never saw any truck coming or going from our
facility of that all of us drive really expensive.

Speaker 2 (28:05):
Cards, Okay so.

Speaker 14 (28:07):
He came back with the in the same in the
first and let's.

Speaker 1 (28:10):
Not forget what is the print at the bottom of
the page while he's, talking while he's, rambling what does
that say at the, Bottom, Terry i'm going about?

Speaker 16 (28:22):
It the?

Speaker 12 (28:23):
Mafia, Yeah, well but was it The russian.

Speaker 1 (28:26):
MAFIA i, mean it was really a bizarre. Thing so at, first.

Speaker 14 (28:30):
In his first, message he was, like, so if you
want me to come on your show along with the
lady that owns the, business so she could just answer
a few QUESTIONS i, HAVE i would be more than
happy to take the videos.

Speaker 1 (28:41):
Down So i'm going to pretend to Be agent Of,
chaos And i'm going to ask you some Questions, Terry
and Hopefully agent Of chaos is listening because he was
invited on to ask you. Questions So i'm going to
pretend to be. Him, So, terry why do you drive nice?

Speaker 17 (28:56):
CARS i drive a twenty thirteen Hand.

Speaker 1 (29:03):
Oh, beautiful. BEAUTIFUL i love. That now why do trucks
never go in and out of your? Facility?

Speaker 13 (29:09):
Terry, well we don't have them down here every, day
but we get we get material and wire obviously periodically
IF i you, know it's just as.

Speaker 10 (29:23):
Needed and we.

Speaker 13 (29:25):
Ship we do ship figure stuff, out and that's WHEN
i bring a big truck in to get. It BUT
i do have a. Date we ship a lot by small.
PACKAGE i have a daily ups pick up every day
to worldon there between usually two and three o'clock every
afternoon to pick up whatever we.

Speaker 1 (29:40):
Have and last, question why are you in The russian? Mafia, Yeah,
terry yeah we.

Speaker 13 (29:45):
Are we are.

Speaker 1 (29:47):
Not, yeah thank. YOU i hopefully that's good. Enough An
agent Of. Chaos, honestly, people we're going to put up
on our troubleshooter YouTube a link to this. Video you
got to go check it. Out, basically all he's doing
is alluding to. This but that goes right along with his,
Handle agent Of chaos kaos that's TikTok. Instagram is it's

(30:08):
the same on All, yeah pretty. Much it's the same.

Speaker 14 (30:11):
Handle, yeah, yeah and maybe a little different on each
But agent Of chaos with A.

Speaker 1 (30:16):
K one more Question terry that he probably would, ask
And i'm a little curious, TOO i would assume that.
Property do you guys own that? Building? Yes why haven't?
You why haven't you sold it to one of these rich, developers.

Speaker 13 (30:32):
Because we're still conducting, business thank. You we have been
here for ever and this is where people expect to find.
Us we do have some local, businesses but business all
over the. COUNTRY i bet you.

Speaker 1 (30:44):
HAVE i bet you also have a lot of equipment
to manufacture. Springs that would be a real pain in
the ass to.

Speaker 13 (30:51):
Move we have a lot of equipment and a lot of.
MATERIAL i, mean it's a big undertaking to move an
operation of this.

Speaker 14 (31:00):
And then real, Quick, terry just so you, know he
did so you have my phone, number text me after
we hang up with. You he did say he was
more than willing to talk to you himself in a
public place so you guys could discuss things as. Adults
BUT i And i'm going to actually clip this call
and send it to him so he can maybe get

(31:20):
some of his questions.

Speaker 1 (31:21):
Answered And i've got to say this is the Most,
TERRY i appreciate. It and my ultimate goal is to
get that video down for, you AND i hope This
agent Of chaos does the right thing and take it.
Down but for the life of, me this guy sounds
like he's got nothing to. Do i'd like to know
where he works and start digging in to his. Life
since good and Now i've got questions For Agent. Chaos

(31:44):
WELL i found. That well that's a very Interesting let's
see if he takes his video down and you, know
then we don't have to go down that ugly. Road
but for the life of, Me agent Of, chaos Why
are you just like trying to sabotage or plant seed
in people's minds about this woman that's owned the building
and her family has since nineteen sixty five with the

(32:07):
same exact. Business my god man cut her a.

Speaker 15 (32:12):
Break go with a sure Thing denver's best Roofer Excel
roofing dot.

Speaker 1 (32:20):
Com you don't pay a cent until you're contenth.

Speaker 15 (32:26):
Time for an insurance checkup free no obligation comparison Call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one. Help you'll think you're his only customer when
you Choose frank durand the real Estate man dot com
to list your home With Remax alliance three oh three
nine two zero sixteen twenty.

Speaker 3 (32:46):
Two all, right.

Speaker 1 (32:47):
Three oh three seven one three eight two five. Five
by the, way after the, break we're gonna put up
a link to a agent of.

Speaker 18 (32:55):
Chaos didn't he release a video? Apparently, yeah coming back at.
US i haven't been able to watch it. YET i
can't even wait to see. It i'm not sure what
he means by coming back at. Us, YEAH i can't
wait to see. It we'll post that link and watch.
It we'll post it go to a troubleshooter network on

(33:17):
YouTube and we'll post a link there for people to.

Speaker 1 (33:19):
See But i'm. Dying i'm dying to see what he
could possibly put. Back you know, what maybe we'll play
it over the air. Too if it's short and sweet
with no naughty, words, yeah check it.

Speaker 6 (33:29):
Out Mark.

Speaker 1 (33:31):
CHAOS i feel like we're having an, old old fashioned
radio war with another. Host but the problem is he's.

Speaker 18 (33:39):
Nothing it's the wild Wild west on radio. Airwaves we
have no idea who this guy. Is, well actually that's,
YEAH i do know who he.

Speaker 1 (33:46):
IS i know his. Name it's It's agent Of. Chaos all, right,
folks let's go To tim real. Quick actually we only
got a. Minute we got one, Minute So, TIM i
promise and hook your. Next that's for. Sure you've been
holding the. LONGEST i promise you're. Up Then, tim and
then whoever's coming on the line, Too and that's going
to be about. It So i'll talk to these guys real.

(34:08):
QUICK i want to go back TO Cmg John. Clace
what is the number one loan you guys do? Now
is it always a thirty? YEAR i know all the
products but is that number?

Speaker 6 (34:18):
One it's still number? One, yeah thirty or fix.

Speaker 1 (34:21):
Because it gives it generally offers the lowest. Payment, well, yeah.

Speaker 6 (34:26):
Most, Consistent so the one you can can budget.

Speaker 1 (34:29):
To can you can budget? TO i like what our
son did because his payment's low because he pays his own.
TAXES a lot of people pay their taxes and insurance
built into their. Mortgage you, guys if you do at
least what twenty percent? Down, yes then you can actually
pay it however you, want.

Speaker 9 (34:46):
Right because all ON esco account does is is sit
in an interest bearing account with the.

Speaker 6 (34:51):
Lender, yeah why not let? It you have?

Speaker 1 (34:53):
That, well not only, that there's a lot of insurance
companies that if you're paying, yearly you get a, big,
big big big deduction or not a, deduction a. Discount,
Yes so why get that to the lender?

Speaker 6 (35:06):
Exactly why why let them keep yours? Ghost it's it's
just a whole a.

Speaker 1 (35:11):
Lot more to. Come John clay's three oh three five
seven seven, seven two oh. Six we'll be right.

Speaker 15 (35:16):
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roofing dot. Com you don't pay a cent until you're
contenth time for an insurance check up, free no obligation
comparison Call Compass insurance paying too much your coverage at
dozens of insurance companies find out now three oh three
seven seven to one. Help you'll think you're his only

(35:38):
customer when you Choose frank durand the real Estate man
dot com to list your home With Remax alliance three
oh three nine two zero sixteen twenty.

Speaker 3 (35:46):
Two you don't have.

Speaker 1 (36:00):
Run.

Speaker 3 (36:00):
Successes Camo shooter is gonna help coming.

Speaker 1 (36:05):
Man this is The Troubleshooter.

Speaker 4 (36:08):
Show No Tom, Martinez welcome my friends.

Speaker 1 (36:12):
To the only show of its. Kind we're here to solve,
problems answer, questions get to the bottom of. MYSTERIES i
like that, part but, seriously you've been ripped off or
taking advantage of check this. Out over three hundred million dollars,
cash merchandise exchanges refunds directly due to the. Show our
reach is. Far in, fact we are one of the most,

(36:34):
downloaded the if not the most. Downloaded iHeart podcast over
fifty thousand a. Month that doesn't, include of, Course facebook
and YouTube and the live radio station HERE khlw for
over forty five, years forty five, years the longest running
show with the same. Host then it also doesn't include

(36:57):
our affiliates like one five, five LIKE krdo down in The.
Springs they got a COUPLE fms and AN. Am but
here's the, deal, folks you need, Help i'll let you
know when a line's. Open agent of. Chaos who AM
i talking about this? Guy i'm not going to recap
the whole, thing but very. Interesting so he actually posted

(37:20):
another video last night that has to do with all,
This SO i do want to play it real quick
for everybody, Listening but just to give a little, information
we had a caller last. Week they basically, Said, hey
we have a building Downtown, denver and we're one of
the last businesses down. There everything else has been what
is it called regentrified, condos new, homes. Apartments i'm not.

(37:45):
SURE i don't know the, area but they're one of
the few old. Buildings they've been running the business, there
they build custom springs since nineteen sixty. Five and this
guy posted a video alluding to that they be part
of the mafia or what's going? On why are they?
There they shouldn't be. There very interesting. Stuff so he

(38:06):
posted this last night after we reached out to him at,
first he was going to come on the. AIR i
don't know why he decided not, to and he was
going to actually talk to the lady that called in
and she was going to answer whatever. Questions so we
take the video. Down she's actually had people that live
around there, going, hey have you seen that, video and
that's how she Found.

Speaker 14 (38:26):
Well Mar keith thought we were going to edit, him
and it's like we're a live.

Speaker 1 (38:29):
Show we can't edit. You so this, guy, WELL i
want everybody to hear the Context suzanne's talking. About go, Ahead.

Speaker 19 (38:36):
Shennon, ALSO i wanted to let everybody know that mainstream
Media Suzanne major FROM khow reached out to me to
be on their morning, show Their Troubleshooter morning, show to
discuss all. This, NOW i don't think that mainstream media understands.
That first, off not going on mainstream media where you

(38:58):
can edit and change or cut off my mic to
any discussion and edit anything to make anybody look.

Speaker 6 (39:06):
Bad i'm not.

Speaker 19 (39:07):
Stupid we are in the era of decentralized pause it
that means.

Speaker 1 (39:13):
Okay first of, all we'll finish. It there's not much
left but mainstream, media my, goodness if you have listened
to this show for any period of. Time we are
so far from mainstream. Media it's, crazy and we're. LIVE
i can't there's NOTHING i can. Stop in, fact the
BEST i can do is hit the dump button if
someone says THE f. Bomb that's the BEST i can.

(39:36):
Do and we have a ten second to Lay that's
WHAT i can. Do there's no. Editing what you hear
right now is exactly What i'm saying right, Now agent Of, Chaos,
Mark do you think he's been a? COWARD i don't
think he's being a. Coward here's the funny. Part, well hold,
on let's finish.

Speaker 3 (39:51):
It.

Speaker 1 (39:51):
Stupid we are in the era of decentralized.

Speaker 19 (39:54):
Media that Means i'd be more than happy to meet
the business owner in a public place and discuss. Everything you, know,
CIVILLY i have no problem with.

Speaker 20 (40:03):
That.

Speaker 1 (40:04):
Now WHAT i do have a problem with is may through.
Media i'm not.

Speaker 19 (40:06):
Going to meet on your show so you can edit
to cut and change things to try to make me look.
Bad SO i appreciate the, offer but the offer goes
out to the business, owner if you'd like to sit
and discuss everything and kind of answer some of the.
QUESTIONS i, mean especially with the follow up with all
the unliving threats THAT i received from sketchy accounts Like.

Speaker 1 (40:26):
Traplord i'd be more than happy to it's, dramatic all,
right yeah it. Does so here's the bottom line with this,
guy And i'll tell you it's actually kind of. FUNNY
i was thinking this over the. Break he's got another
video out there that literally says something like, This if
you know any sketchy buildings around that maybe people don't

(40:47):
come in and out, of or they do all the,
time or something's just not. Right i'm totally paraphrasing, here
contact me and we'll look into.

Speaker 3 (40:55):
Them, now what.

Speaker 1 (40:56):
Does that sound? Like AND i hate to say, this
does that sound similar to? This if you know a
bad contractor out, there call? Me or how about this?
One are you dealing with a sketchy landlord that ripped you?
Off maybe you haven't had? Heat call? Me wait a,
minute who's that sound. LIKE i started listening to some
of the stuff this guy's, saying And i'm, like he'd

(41:18):
fit right in on this. Show, hey agent Of, chaos
we actually probably align a lot more than you'd ever.
Know to refer to us as mainstream. Media it's the
craziest Thing i've ever. Heard you realize we have Gotten
we've gotten kicked off of, YouTube we've gotten kicked off Of.
Facebook my, god, man we are so far from mainstream.

(41:43):
MEDIA a day doesn't go. BY i don't call some
scumbag a scumbag mainstream, Media, frank would you ever consider
me mainstream in any which?

Speaker 3 (41:56):
Way?

Speaker 1 (41:57):
Brother you are about As roza, gets about as real
as it's. Insane, john we've known each other ten fifteen.
Years AM i? Mainstream? No stephanie thirty, years twenty, Years,
no not at. ALL i cannot believe. This one of
the first VIDEOS i ever did on The Troubleshooter show

(42:18):
was about fifteen years. Ago stephanie was. There i'm gonna
Tell agent Of chaos the first video we. Did, suzanne
you'll remember. This oh. Yeah we went out to dinner
TO Pf chang's In Colorado. Springs it Was, suzanne, Myself
stephanie and her Husband, mike who we've all known for
twenty plus.

Speaker 3 (42:38):
Years, yep.

Speaker 1 (42:41):
Someone parked next to their car IN Pf changs to
where they literally couldn't pull. Out they were stuck a
big SUBURBAN i believe, no remember it was a little.
Car we had AN.

Speaker 7 (42:53):
Suv you had a.

Speaker 1 (42:54):
Big, one.

Speaker 7 (42:55):
RIGHT i was in the spot straight and they actually
parked at an angle and were behind my vehicle at.

Speaker 1 (42:59):
AN i, know it couldn't pull out in a million years,
now couldn't pull forward because there wasn't a car. There
it was the Big it.

Speaker 7 (43:08):
Was like a, media, right the big media and with
all the.

Speaker 1 (43:11):
Landscaping so you know what we, did AND i took
it out and did one of the first troubleshooter. Youtubes.
YEP i went in and grabbed a bunch of kitchen
staff IN Pf chanks came Out john with about fifteen twenty. People,
frank we picked up that dude's car and moved it
and moved. It we literally picked up the entire car

(43:32):
and moved. It, yeah problem solved, absolutely and then we drove.

Speaker 7 (43:35):
Away may, say prior to that we did at least
try and find the. Owner nobody would come forward over
gosh we, yeah in the restaurant.

Speaker 1 (43:45):
Absolutely the problem was that parking lot was shared by
about twenty. Businesses it's not like JUST Pf, chanks, Right
so we finally took matters or their car into our own.

Speaker 14 (43:55):
Hands, Yesterday, Hey, mark The Youtuo b's on The Troubleshooter
network show on You. To they have a great, Idea
Deputy chaos join the.

Speaker 1 (44:05):
Team. Yeah actually he would make a good. Deputy we
do get calls about shady, people shady. Neighbors it's so funny,
though when he said, That i'm, going why does that sound?
Familiar And i'm, Going, DAMN i do.

Speaker 3 (44:16):
That that's.

Speaker 1 (44:17):
Crazy that's. Crazy this this nutbag is he's one of.
Us agent Of chaos is one of. Us, Hey, thuk
what's going on with?

Speaker 21 (44:28):
You?

Speaker 1 (44:28):
Man how can we help?

Speaker 15 (44:29):
You?

Speaker 1 (44:29):
Thuk what's going?

Speaker 13 (44:30):
On?

Speaker 1 (44:33):
Oh, hello how are? You i'm?

Speaker 2 (44:35):
Good how are?

Speaker 1 (44:36):
You i'm doing very? Good how can we help you? Today?

Speaker 22 (44:40):
YEAH i think my gage gave me you guy. CONTACT
i just wonder if you can help me with my.

Speaker 1 (44:49):
SITUATION i sure.

Speaker 6 (44:50):
Hope so.

Speaker 22 (44:53):
In, may uh In, may back In may twenty twenty,
FIVE i Contact American Family instrum through an agent for
the commercial building insurance policy for my. Business so after
all the questions and submit all the, documents so they
gave me a code and say, like uh that's. Okay,

(45:15):
uh like WHAT i know? Of they had to go
underwriting and everything.

Speaker 1 (45:19):
Had to, HEYE, heyu let me ask you what what
insurance company was.

Speaker 22 (45:24):
It It's American Family.

Speaker 1 (45:27):
Insurance, okay so you went to rect there they basically
hold their agent's. Hostage that's pretty much all they. Sell
so you went To American family and they gave you
the policy and binded, it but it still had to
go through the approval for. Underwriting is that? Correct?

Speaker 21 (45:44):
Uh?

Speaker 22 (45:44):
No actually they told me usually uh, everything the pay
is the last it should be approved everything and go
on the writing BEFORE i.

Speaker 1 (45:53):
Pay.

Speaker 22 (45:53):
Yeah so the day when they gave me the policy,
number and then let's say everything set up, sure and
then IF i paid THE i have that the papers
say that the policy will active from Like may of
twenty first or twenty eight or. Something the last step
it's just to pay and.

Speaker 1 (46:13):
Then generally to hold. On just, generally And i'm saying
this not just for, you and we'll dive deeper into,
this but generally that is the Agent i'm going to
put you on. Hold i'm going to come right back
to you after this. Though but, GENERALLY i don't care
if It's, state farm or all, state. Anybody with these captive,
agencies they generally at the agent level can go ahead

(46:34):
and bind the, policy make it. Active you do have,
coverage but typically it still has to go through underwriting after.
That but we'll dig into. That i'm dying to know what.
Happened hold, on.

Speaker 15 (46:50):
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Com you don't.

Speaker 15 (46:54):
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paying too much your coverage at dozens of insurance companies
find out now three oh, three seven to seven to one.
Help you'll think you're his only customer when you Choose
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(47:15):
your home With Remax alliance three oh three nine two
zero sixteen twenty.

Speaker 3 (47:19):
Two all, right.

Speaker 1 (47:21):
Three oh three seven one three eight two five five
three oh Three, martino don't. Forget you can always email
us at help at troubleshooter dot. Com. Uh i'm gonna
go right back to by the. Way this hour brought
to you by You ready for This paul The, waterman
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(47:43):
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(48:52):
talk to. Him commercial Policy mark yep a commercial policy
on a. Building so what? Happened they told you you
had it and then you were going to make a, payment, Right,
NO i.

Speaker 22 (49:03):
Mean at the, beginning they give me all the things
and say that policy will be active By may something
until next, year and THEN i, Pay SO i pay
in food for a whole, year and like they, say
it's gonna start active by tomorrow or the day is
active on the. Policy so that's the reason WHY i

(49:26):
cancel my old. Policy, yep so my old policy already.

Speaker 13 (49:30):
Canceled so for.

Speaker 22 (49:31):
The whole, TIME i always think That i'm.

Speaker 2 (49:33):
In secure with.

Speaker 22 (49:34):
Policy that's the reason why On tuly, sick which Is,
sunday the building got like hell. Damage and then and
then and then wait wait wait what day were you
supposed to have coverage With American?

Speaker 1 (49:52):
Family give me a?

Speaker 22 (49:53):
Day ah, yeah let.

Speaker 1 (49:55):
Me, well now you can even say This, Monday, tuesday
what DAY I.

Speaker 22 (50:00):
May may twenty? Anything they say From may twenty, first
the policy will be.

Speaker 1 (50:06):
Active what? Day what day was the? Hell the hell
Is july Six the hal Is july. Sixth did they
send you over a policy with those dates on? It
do you have?

Speaker 2 (50:17):
THAT i had the?

Speaker 22 (50:19):
Paper they take a picture from mey say policy we're
active from this day to that.

Speaker 1 (50:24):
Date can you have any hold on this is very? Important,
look you have an email from your agent and An
American family that sent a picture of the policy saying
it's going to be effective as of this.

Speaker 22 (50:35):
Date not the email from the. Agent they just took my,
Money not the. Emails what he trying to?

Speaker 1 (50:44):
Do, Now, well who's the email?

Speaker 22 (50:46):
From i've been talking to his employee the whole.

Speaker 13 (50:52):
Task.

Speaker 1 (50:53):
Okay so somebody at The American family insurance agency told
you you would have coverage and sent you a, picture,
right or texted you a? Picture?

Speaker 21 (51:05):
Yes?

Speaker 1 (51:05):
Okay then what? Happened when was the?

Speaker 22 (51:07):
Hell so the hell damage Was july, sixth just last, week.
Okay and then the next, day which Is july, seven
a roofing guy, like come to our business and ask
do you know hell? YESTERDAY i SAY i? Know and
he is the one WHO'S i try to investigate the

(51:30):
roof and he SAY i have hel damage, okay WHICH i.

Speaker 1 (51:33):
Say so then you CALLED i get? It so then
you Call American, family, right? Yes and what did they?

Speaker 22 (51:40):
SAY i didn't think so WHEN i Called American, INSTRANCE
i gave them the clan. Number they didn't say. ANYTHING
i gave them the my policy. Number i'm, SORRY i
gave them my policy. Number AND i even get the
email from them with the clan.

Speaker 1 (51:58):
Number so they gave you a cl. Number, okay that's.
Great now what so? Now what?

Speaker 22 (52:04):
Now at the in the, EVENING i got a phone
call from this, agent which is he never called me.

Speaker 13 (52:10):
Until Not may he called.

Speaker 22 (52:12):
Me he say that my introment was never?

Speaker 1 (52:16):
Active how could that?

Speaker 21 (52:18):
Be?

Speaker 1 (52:19):
Now wait a, second can you send us that picture
that you got from that? Guy is it a? Text
what is?

Speaker 6 (52:27):
It?

Speaker 13 (52:28):
YEAH i will.

Speaker 22 (52:28):
Send, YEAH i don't have to. SEND i will send
everything to you.

Speaker 1 (52:32):
Guys, NO i want when can you send that? Picture
like right? Now just that picture is ALL i care.

Speaker 22 (52:37):
About, okay you want me to send it right?

Speaker 1 (52:40):
NOW i can do, it, GREAT i Want, yeah hold,
on hold, on let me put you on. Hold hold,
On i'm going to pick you back up in a.
Second get that get that picture right. Away, Hey, Brian Compass.
Insurance i'm going to get that over to. You but
let me catch you. Up she Calls American family on
five to. One she talks to somebody in the agency
there and and basically they sell her a. Policy they

(53:03):
take a picture of the policy which we're going to
have for you in a, second and basically say you have,
coverage and they send her that and that's. It so
a few months goes, by it. Hails the other day
she calls. Up they ask for the policy number at
the claim center For American. Family she gives it and
they give her a claim. Number later that, night someone

(53:25):
from the agency From American family calls up the agent
and basically, says, hey our. Mistake you never actually had a.
Policy and by the, way she did. Pay did you
get that email from?

Speaker 3 (53:39):
Her?

Speaker 1 (53:41):
Yes, okay hey real, Quick hey. Fuch how much did
you pay for? That how much did you pay for that?
Policy and when did you pay for the?

Speaker 21 (53:49):
YEAR i pay?

Speaker 22 (53:52):
Total no food an you have three, thousand three, thousand
date one.

Speaker 1 (53:59):
Hundred what date.

Speaker 22 (54:02):
The payment is On may twenty?

Speaker 1 (54:04):
Eight so on? Receipt when did they say the insurance
started at the? Agency what?

Speaker 22 (54:10):
Date, no it's on the, paper say it's active by
Twenty i'm looking for all the.

Speaker 1 (54:17):
PAPER i don't have the email. Yet, Okay, brian, yeah hol, On.
Brian here's the. Deal She they basically told her it
was done. Covered they took her. Payment they've had her
payment for months, now she puts an acclaim in the
last couple of, days and now they're telling her she
never had. Insurance this sounds LIKE o AND. E If

(54:37):
i've never If i've never heard Of, OWEN i don't
even know what this could possibly. Be what do you
make of?

Speaker 10 (54:43):
It, YEAH i mean the weird thing Is i'm curious
to look at the. Email is it a? BIER i would.

Speaker 1 (54:50):
Think, well, okay hold, on we're going to find out
if we ever get that. Email but here's what hold,
On but here's What i'm just just hold keep doing
what you're, Doing. Brian even if it, wasn't at what,
point when she pays for it in full months, ago
at what point can they tell you you're not? Covered like,

(55:11):
what what are the year's?

Speaker 3 (55:12):
Gone?

Speaker 10 (55:14):
Well, no, No and that's WHAT i. Meant i'm just
trying to figure out if this is an agent issue
or a company, issue and that's that document should tell
us a little. Bit, yeah let's do.

Speaker 1 (55:24):
That So i'm. Curious, yeah hold, on hold, On i'm
going to do the commercials right, now so then we're
gonna come back and we're going to have this Picture
THUKE i need that picture because this is driving me.
Crazy american, family if everything you're saying is right and
we see that, PICTURE i don't know how in the
world they could get out of this. Coverage, now Maybe american,

(55:47):
family when it comes to the actual commercial insurance policy
might not pay. Out but errors in a mission sure
should something is.

Speaker 15 (55:55):
Up go with a sure Thing Denver's Best Roofer Excel
roofing dot.

Speaker 1 (56:04):
Com you don't pay a cent until you're.

Speaker 15 (56:06):
Content time for an insurance check up free no obligation
comparison Call Compass insurance paying too much your coverage at
dozens of insurance companies find out now three oh three
seven seven to one. Help you'll think you're his only
customer when you Choose frank durand the real Estate man
dot com to list your home With Remax alliance three

(56:28):
oh three nine two zero sixteen twenty two.

Speaker 1 (56:34):
Three oh three seven one three eight two five. Five
we're Getting Brian burns back. Up we send it. Over
so here's what it. Says first of, all she made the,
payment uh thuck made the payment for three. Thousand listen
to This american family three thousand and thirty seven dollars
and forty five. Cents she made that payment on five twenty,

(56:56):
eight twenty twenty, five and it says billing account umber
coverage on business owner's, policy confirmation number received FROM, Thuk
received date five twenty, eight received times six thirty, four payment, amount,
everything and It's american. Family it's got everything on. There in, Fact,

(57:16):
brian we send it to. You do you see that?
Receipt first of, ALL i.

Speaker 10 (57:20):
DO i do see the receipt out of, CURIOSITY i
see the business policy. Application it's the first page of the.
Application do we have the rest their Very i'm.

Speaker 1 (57:30):
Sending you with such a page right, Now. Brian now here's.

Speaker 10 (57:33):
What because it says at the top of, IT i
seelication has been submitted unboundh that's.

Speaker 1 (57:40):
Listen here's WHERE i want to go with. This the
effective date on this says five five expiration five twenty,
one twenty. SIX i see exactly what you're. Saying it
says this application has been submitted. Unbound no insurance shall
be affected until approved by the. Company but then right
under it it has a policy, number an effective date

(58:02):
and an expiration of the same. Day, so in other, words.

Speaker 10 (58:07):
Yeah which means it was Submitted i'm thinking this is
going to be the agent, issue Not american.

Speaker 1 (58:13):
Boy hold, on hold, On so it says it right,
there and this is all on five twenty. One so
on five twenty eight she makes a. Payment seven days,
later she makes a payment for the policy in. Full
they take. It they have never refunded. It it was
paid by, credit, right you know.

Speaker 10 (58:34):
What and that even has a billing account, number which
means it's passed the stage of underwriting this. Thing you're
right because that shows an account.

Speaker 1 (58:44):
Number it shows a billing account. Number and more, importantly
here we are a month and ten days plus, afterwards
and they never contacted, her never refunded the. Money. Nothing
she thought she was sure for the, year and all
of a, Sudden american family, says you don't have insurance

(59:06):
after she has a claim for hail. DAMAGE i CALL,
BS i call.

Speaker 10 (59:11):
Fraud do we have a denial?

Speaker 12 (59:14):
Letter what do we have from?

Speaker 1 (59:15):
Them, okay that's a great. Question hold, On, hey fuck. Today, besides,
besides that crooked ass agent calling, You and that's my,
opinion he's. Crooked And i'll tell you, why BECAUSE i
see a receipt for your. MONEY i see forty days,
later he never told you you didn't have. Coverage at what, Point,
brian is it? Coverage at what point does compass? Insurance

(59:38):
And i'm just using that as an. Example take money
from a client and then make them think they have
insurance up till they have a. CLAIM i, mean where
does it cross the line of their morons her?

Speaker 10 (59:50):
Leaves so cross is? Crossed so, yeah, No i'm with.
You this is. Ridiculous this is.

Speaker 1 (59:56):
Ridiculous you know what. Suck we're gonna stay on top
of these best until you get. Covered, now this to
me is going to be E o ande insurance meaning
whoever took, this whoever took your, money screwed. You they
did something, wrong maybe not, intentionally maybe it fell through the.
CRACKS i have no, clue BUT i find this. Preposterous. Brian,

(01:00:19):
PLEASE i totally.

Speaker 10 (01:00:21):
Agree let's get a denial. LETTER i don't want a
phone call from the. AGENT i want to see did
he never get this thing actually? ISSUED i don't even
understand what's going on, here so He, yeah this will
tell us a. Lot if there's documentation From american family
denying the, claim that means that something happened on their,
end and we can go after An American family if he

(01:00:44):
never did, anything which doesn't.

Speaker 12 (01:00:46):
Make sense because it actually.

Speaker 10 (01:00:47):
Has an account number associated to. It this one is.
Convoluted we need something in writing from them saying why
they're denying this claim.

Speaker 1 (01:00:56):
Heythook did they give you a denial letter or you
just heard from the. Age you never even heard from the.
COMPANY i never.

Speaker 22 (01:01:03):
Heard anything denied or. Canceled just the guy call me
and say because my instrument was never at it and.

Speaker 1 (01:01:10):
He's the guy that sold it to. You, yeah what's his?
NAME i want. THIS i want him to come. On
i'm hoping he's got another side to this. Story in, fact,
Fuck i'm gonna put you back on. Hold here's the good.
News we're gonna fight for. You we're gonna fight our
hearts out for you because this is not.

Speaker 10 (01:01:28):
Right.

Speaker 1 (01:01:28):
Brian do you see any way they could get out of?

Speaker 10 (01:01:31):
This this is looking very grim for, them either through
the AGENTS e AND o or Through American family.

Speaker 1 (01:01:37):
Themselves what are you? Looking and his name Is john Vu.
Vu that's the agent. Name we need, This John. Vu
we need to get him. ON i need to understand
why she was not told she didn't have any. Coverage
how long is? ACCEPTABLE i, mean what is the insurance
Standards Brian.

Speaker 10 (01:01:54):
WELL i mean the fact of the matter is he's never.
COMMUNICATED i, mean did he say anything him other than this?
Application obviously that says uh that it's being submitted. Unbound
WHY i want to see the other pages of it
is the last page of that application is the area
that should have been signed by the customer but also

(01:02:15):
signed by the, agent and there could there's a binder
notice on. There AND i want to see if he
said there was a binder on it at that point
that he.

Speaker 22 (01:02:24):
BOUNDED i can can CAN i talk? Something SO i
feel like the whole thing is the fratened. Thing so
for the whole, TIME i am he have like employee or.
SOMETHING i will talk to her for the whole time
and the day that she brings me the paper to my.
House so we are A vietnamese, community SO i am

(01:02:46):
the one who tried to support the. Community that's why
he's the community Of vietnamese Community asian and he brought
me the whole thing. HOME i believe that because you
signed and they can take your. Money so when they
bring back were on the car and then say everything
go through and the policy active from this day to

(01:03:07):
that day that that WHEN i SAW i was so
nate eight thing THAT i was covered the whole time
because they took the money for the whole. Year and
like you, say, uh if they, cancel they had a
chance to give me the money back or something for
the home mun, already but they did not UNTIL i
found a. Clan and when uh the hell damage, happened

(01:03:29):
we on the we on the how CAN i, say
were on the phone With American family. Instrum THEN i
asked that give me all the, paper give me all the.
Thing then she sent me that paper that with the policy.
Number and then and THEN i filed clan With American
Insurant family and that's that will be a creme.

Speaker 1 (01:03:50):
Number wait, wait, wait wait, suck where is the paper
with the with the insurance? Number?

Speaker 22 (01:03:56):
Uh the ONE i sent you at petic wrong number
on the?

Speaker 10 (01:04:00):
Applications what what they said they send to?

Speaker 1 (01:04:03):
Me got?

Speaker 3 (01:04:04):
It?

Speaker 1 (01:04:05):
OKAY i.

Speaker 22 (01:04:05):
DON'T i don't even think that they know that my
policy is not. Active that's you know WHAT i.

Speaker 1 (01:04:11):
Mean, look, LISTEN i need we need a copy of
everything you. HAVE i put her hold On, Brient, hey hold, on, Hey.

Speaker 3 (01:04:17):
Mark go.

Speaker 12 (01:04:17):
Ahead other THING i would.

Speaker 10 (01:04:19):
Recommend go.

Speaker 1 (01:04:19):
Ahead do you have an online?

Speaker 10 (01:04:21):
ACCOUNT i want you to settle an online. Account go
In American family and see. Yourself put in that policy
number and see if it's. Active see what it.

Speaker 1 (01:04:30):
SAYS.

Speaker 22 (01:04:32):
I i also Call American family. ACTUAL i talked to,
him and she say she cannot find that policy.

Speaker 12 (01:04:39):
Number is it even actual policy?

Speaker 10 (01:04:42):
Number how about give her the billing account NUMBER.

Speaker 14 (01:04:46):
I.

Speaker 22 (01:04:47):
GAVE i gave her THE i gave her all the
attress and she, said all she can find is like
my policy back to like talk to twenty, twenty not
the new. One and she say she saw but it
never active on her. Side AND i asked to talk
to a manager and she wouldn't let.

Speaker 1 (01:05:05):
Me, okay, LISTEN i go, Ahead, brian go.

Speaker 10 (01:05:08):
Ahead, Sorry, NO i was just gonna, say did you
actually give her the account? Number the billing account number
you have that it's different than the policy.

Speaker 23 (01:05:16):
Number, YES i gave her.

Speaker 22 (01:05:18):
The account, number the beauty number are the information for
she to look.

Speaker 10 (01:05:22):
At we need to get someone else From American, family
is what we, Need.

Speaker 1 (01:05:27):
Brian do you know anybody over there to?

Speaker 10 (01:05:29):
Contact let me look through some of my contacts That
i've dealt with over, there let me see IF i.
CAN i don't have very many PEOPLE i deal with
An american, family to be honest with, You but let
me see IF i can get.

Speaker 1 (01:05:42):
It, Okay so a couple of. Things one. Suck you've
got to get us everything you. HAVE i don't care
what it. IS i want to get it over To. Brian,
BRIAN i want to ask you a point plank. Question
though IF i was in her, POSITION i would argue
forever that not only DID i THINK i was, covered
BUT i should be. Covered when you take my money

(01:06:02):
forty days ago and tell Me i'm covered verbally or.
Not you never refunded the, money you never did, anything
you took. It at what point does the insurance? REGULATIONS i,
mean how does this work with the? Regulations can you do?
This can you wait six months until someone has a
claim and, say, oh by the, way you're not. Covered,

(01:06:24):
no you.

Speaker 10 (01:06:24):
CANNOT i was just hopeful there was some other documentation
with a policy. Number BUT i am telling you The
Insurance commissioner doesn't usually do a whole lot in situations
unless there is clear cut. Evidence this, ONE i think
they would take a hold. OF i really, do BECAUSE i,
mean based off of what we can see everything points

(01:06:45):
to the fact that this poor lady has thought she's
had coverage for over a month now and they took.
PAYMENT i just don't know how they can get out of.
This i'd love to hear their side of the, story
BUT i.

Speaker 1 (01:06:58):
Would, TOO i don't know. How All, right hold, On
we're going to try to get during this, Break, kelly
try to get who was. It what's the guy's? NAME
i Texted kelly his name and. Numbers. Ye, yeah this
guy apparently is the agent of the. Community let's see
if you'll come on and talk about what happened here
and why it. Happened maybe he does have a valid
reason for taking, it not telling her she doesn't have

(01:07:20):
coverage until over a month. Later she puts in a claim.
Unbelievable go with a.

Speaker 15 (01:07:30):
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Speaker 1 (01:07:33):
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Speaker 15 (01:07:35):
Content time for an insurance checkup free no obligation comparison
Call Compass insurance paying too much your coverage at dozens
of insurance companies find out now THREE o, three seven
to seven to one. Help you'll think you're his only
customer when you Choose frank durand the real estate man
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(01:07:57):
oh three nine two zero sixteen twenty.

Speaker 1 (01:07:59):
Two all, right three h three seven one three eight
two five. Five, hey who was the one holding on
the vacation? Thing that would Be?

Speaker 24 (01:08:10):
Tim she had to.

Speaker 1 (01:08:11):
LEAVE i, Note, tim, please we'd love to help you
back out if you can call and make you PRIs pardon.
Me that was a deputy d. Case so we were
doing a follow. UP i think you had called the
vacation folks last. WEEK i probably. Can so, anyway.

Speaker 14 (01:08:24):
Let's get it back and coordinated so we can do that.

Speaker 1 (01:08:27):
Again. Yeah, No pride just felt bad he held so
long and we didn't get to. Him, now, Listen i'm
going to finish up With thock real quick and go from,
there BUT i do want to tell you fix it
twenty four to. Seven. Listen, listen. Listen if someone gave
you an estimate on an air, conditioner a, furnace a water,
heater an electrical, panel whether it's an expensive repair or
a new, system free second, opinions no trip, charge no.

(01:08:51):
NOTHING i have seen, prices for example on water heaters
thirteen hundred bucks to six thousand dollars for the exact same.
Thing get that free second, opinion no matter, what fixmihome dot,
com fix myhome dot. Com, now, Look i'm going to
finish up with. You, listen you need to send us
over everything you. Got i'm sending it To. BRIAN i

(01:09:13):
think this is a clear cut case where the insurance
Agents i'm, sorry, well, yeah the insurance agent is going
to have what's called errors and omission insurance and they're
gonna have to step in with that if there isn't. Coverage,
now we're gonna walk you through everything you need to
do if we've got to go through the commissioner or

(01:09:34):
if we're going to go right through the. Agency But,
kelly did you reach out to these?

Speaker 24 (01:09:38):
PEOPLE i, did, Yes AND i did briefly speak With
John vu who is on his way out so he
could not talk because he's out for the rest of the,
afternoon but he did indicate that tomorrow morning he would
come on and answer some.

Speaker 1 (01:09:51):
Questions, okay so Fuk i'm going to get him on
tomorrow along with, you right at ten, am and we're
gonna be talking about differenties to help. You Because i'm
telling you Right, now this is insane unless if you're
leaving something. Out no one in their right mind would
take a payment over a month, ago almost a month

(01:10:12):
and a half, ago and never tell you don't have
coverage because you canceled your other, coverage didn't.

Speaker 22 (01:10:18):
You, YES i cancel the all the coverage.

Speaker 1 (01:10:22):
And you can. Prove Now i'm in the.

Speaker 22 (01:10:24):
INSECURITY i don't know what to.

Speaker 1 (01:10:25):
Do right, well you've got to get. Coverage so the
first THING i want you to, DO i want you
to call Up brian and get some binding coverage going right.
Now so give her. Fuke you're gonna call Up, brian
who we just had. On you're also gonna send us
all that other, information send us what you have so
we can steer you in the right. Direction brian From

(01:10:48):
Compass insurance is going to. Help but right, now you've
got to get coverage on that. Building everybody hold. Tight
we've got a lot coming. Up candy has got an
issue With Denver. County alana has an issue with the
contractor in much much. More one line open three zero
three seven one three talk.

Speaker 15 (01:11:18):
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Speaker 1 (01:11:22):
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Speaker 15 (01:11:24):
Content time for an insurance checkup free no obligation comparison
Call Compass insurance paying too much your coverage at dozens
of insurance companies find out now three oh, three seven
to seven to one. Help you'll think you're his only
customer when you Choose frank durand the real Estate man
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(01:11:46):
oh three nine two zero sixteen twenty.

Speaker 3 (01:11:47):
Two rit.

Speaker 1 (01:11:58):
You don't have, come run just as fast as you.

Speaker 3 (01:12:03):
Can shooter's gonna.

Speaker 4 (01:12:05):
Help come, Man this is The Troubleshooter. Show No Tom,
martino welcome my friends to the only show of it's.

Speaker 1 (01:12:16):
Kind we are here to solve your, problems answer your,
questions take your. Complaints you've been ripped. OFF i want
to hear from you a bad contractor how about a
bad insurance. Agent in my, opinion what happened To thuk
last hour is. Horrible we are gonna dive in and
try to get her helped. Out we've got multiple things
moving behind the, scenes and that's what we do for everybody's.

(01:12:38):
Problem if you have a, problem three zero Three, martino right,
now lines are. Full but let me tell you. Something
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leave a. Message we'll reach back out to. You we
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Com by the, way you can email us. Anytime this
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Speaker 2 (01:14:02):
Long, hey no, problem it Is, lana by the. WAY
i just wanted to say.

Speaker 1 (01:14:07):
That thank. You, yeah of.

Speaker 2 (01:14:09):
Course SO i hired a contractor to do the flooring
in my, home and you, know everything was totally fine
in the. Beginning he made a couple like inappropriate like,
jokes but, WHATEVER i can hold.

Speaker 1 (01:14:26):
On i'm, curious, like like WHAT i, mean give me an.
Idea so like the.

Speaker 2 (01:14:32):
First time THAT i opened the door WHEN i originally hired,
him and he actually came back to my house the
second time we met in, PERSON i opened the door
and he just like looked me up and down and
was like oh, wow and then just continued. Talking And
i'm just, Like, okay that's awkward and.

Speaker 1 (01:14:49):
Unprofessional BUT i wouldn't like. THAT i wouldn't like that at.
All that's very, odd, ACTUALLY i mean really that's, like,
yeah that's that's inappropriate at the but keep.

Speaker 2 (01:15:00):
Going, Yeah, SO i, mean regardless of, that everything was
going okay with my flooring for a.

Speaker 1 (01:15:07):
While.

Speaker 2 (01:15:07):
Now of, Course i've Never i've never done flooring, before,
RIGHT i don't know what what the corners are supposed
to look, like and all.

Speaker 1 (01:15:15):
This, Hey, alanna what are we talking? About like you
had new hardwood put, in you had hardwood sanded and
retained what it WAS?

Speaker 2 (01:15:23):
Lvp it was he rips up my laminate flooring and LAID.

Speaker 1 (01:15:27):
Lvp okay. Cool, so.

Speaker 2 (01:15:32):
Like a week or so IN i, UH i messaged
him And i'm, like, hey, Like i'm seeing a couple of.
THINGS i do have some. CONCERNS i would like to
go through the concerns with you and and all of.
That and he was, like, yeah, well just like BASICALLY
i have to get, IN i have to do the. Cocking,
like just let me do my job and then we
can do a walk through basically what he.

Speaker 4 (01:15:51):
Says.

Speaker 2 (01:15:52):
Okay So i'm, like, okay that's, fair that's. Fair it's
not done, yet. Right so that this one day he said, that,
Hey i'm going to be done. TOMORROW i need my
money for tomorrow since you're going to be at. Work
AND i, thought, okay like you're telling me you're going
to be done. Tomorrow that's. FINE i got him the.

(01:16:13):
MONEY i put it in an envelope AND i put
it on my lamp in my.

Speaker 1 (01:16:16):
Mountains that was the final hold on a, SECOND i
want to understand the payment process was at the final,
payment final, amount and how much did you pay him up?
Front up?

Speaker 2 (01:16:26):
Front so after he started when he was, LIKE i don't,
know half a week, IN i paid him half of.
It so about twenty two hundred.

Speaker 1 (01:16:36):
Something you paid as you. Went that is very, smart,
yes BUT.

Speaker 2 (01:16:43):
I feel like it's not smart now BECAUSE i paid
him the total amount before he was, done with the
promise of him saying that he was to be. Done
SO i paid him the total. Amount and you, know
there were a couple things that.

Speaker 1 (01:17:00):
He did THAT i didn't.

Speaker 2 (01:17:01):
Like LIKE i would check in with him through the
day and he'd be, like, Oh i'm already done for,
today and it was like two thirty or three o'clock
and he wouldn't even be too, well let's jump.

Speaker 1 (01:17:11):
Forward let's jump forward to where we're sitting right. Now
so what needs to be? DONE i want to. Understand
is it industry? Standard was the job industry? Standard or
did he really do a bad job and never.

Speaker 13 (01:17:23):
Finish it's horrible and it's not.

Speaker 1 (01:17:26):
Done like what if you send me a, picture what
WOULD i see in the picture that's?

Speaker 2 (01:17:30):
Horrible you would you would see white hawking on my brown.
Floors he did not undercut the wood in my like
on the door, jams because you're supposed to slide the floor.
Under he cocked around, it and it's not cut. Professionally
it's very. Sloppy he glued down the transition pieces on

(01:17:52):
my main, floor and you're not supposed to glue them.
Down you're supposed to nail. Them he's the wrong transition
piece going into my. Basement so now there's like this
big gap when you come.

Speaker 1 (01:18:04):
Up, rana what is? Tripping what does he say when
you bring this stuff up to? Him? Now what's the latest?

Speaker 2 (01:18:13):
Here let me actually read it to.

Speaker 16 (01:18:15):
You SO.

Speaker 2 (01:18:19):
I did have an appointment scheduled with him For, Thursday june,
nineteenth AND i do want to like backpractice a little
bit BECAUSE i feel like this part is. Important the
day that he said he would be, done he sent
me a picture of his wife in a hospital, bed
saying that she split her hand open while laying my, flooring.

Speaker 1 (01:18:44):
Your, flooring while laying my.

Speaker 2 (01:18:47):
Flooring, no wait a, minute hold.

Speaker 1 (01:18:49):
On hold, on hold, on that's pretty. Important were was
she actually at your house that?

Speaker 2 (01:18:56):
Day, YES i saw her BEFORE i left for.

Speaker 1 (01:18:59):
Work and then and he sent you a. Picture is
he trying to come after you or your homeowner's?

Speaker 2 (01:19:04):
Insurance not THAT i know of, yet but that's kind
of What i'm afraid.

Speaker 1 (01:19:09):
Of does he Have does he have insurance that he showed?

Speaker 20 (01:19:13):
Me asked?

Speaker 2 (01:19:14):
HIM i asked him in person and he said, yes
but he never showed me.

Speaker 1 (01:19:18):
Anything oh, wow, OKAY i, know so, wow all, right
so let's just keep continuing on what does the tech?
Say or that's SO i hadn't.

Speaker 2 (01:19:31):
No SO i had an appointment with. Him after that,
happened my husband AND i left for vacation for a,
week So i'm, like, hey, like have her, hand like heel,
up we'll touch base when we get. Back SO i
had an appointment with Him, Thursday june nineteenth at ten
thirty in the, morning and he didn't show. Up so
it was like twelve eighteen WHEN i texted him. This

(01:19:55):
you know my. Frustrations this is beyond un. PROFESSIONAL i
paid you for a job to be, done AND i
already paid you all of your money and it's not.
Done LIKE i understand that your wife had an, accident
blah blah, blah and he's, like, LISTEN i HAVE. Covid
do you want me to show you show. That it
was his.

Speaker 1 (01:20:12):
Response that's what he, SAID.

Speaker 21 (01:20:13):
I don't like.

Speaker 1 (01:20:14):
It maybe a positive test or something.

Speaker 14 (01:20:16):
Weird WHAT i was just speculating that when you said
show you HIS, covid he meant show you a positive, test, Right,
Lana i'm assuming, so, yeah that's WHAT i.

Speaker 1 (01:20:29):
Would so what did you respond to?

Speaker 2 (01:20:30):
That SO i, said, well thank you for letting me
know before our. APPOINTMENT i took work off for BECAUSE
i did tell him Before and.

Speaker 1 (01:20:40):
Was this a day of the day Of? Yeah, later
what did he? Respond so he.

Speaker 2 (01:20:46):
Responded like a couple hours later, again he was, LIKE
i just woke. UP i THOUGHT i had food. Poisoning apparently,
not so just not even like. Apologizing nothing Was SO
i texted him again like hours later BECAUSE i wanted
to cool off BEFORE i texted him again AND i
told him my. Concerns the transition pieces are not are,
glued they're not. Nailed you use the wrong transition piece

(01:21:08):
to go to the. Basement the flooring is cut unprofessionally and.
Jagged you used white cocking on my ground, floors which
doesn't make. Sense the baseboards when they're put back on my,
wall they're like at an. Angle now there was no
communication from you at, all and.

Speaker 1 (01:21:26):
What did He he.

Speaker 2 (01:21:28):
Responded i'm going to read you the whole. Text that's
kind of. Long he, Responded listen. Here the reason they
are glued down is because it leaves a one eighth inch.
Gap that is the real tripping. Hazard now with leading,
downstairs you have a carpet bull. NOSE i put a
transition where it leads from the carpet to the. Floor
if that's a tripping, hazard it was there long, before

(01:21:48):
which is not, true by the. Way then he, says
there is no excuse for me not showing. Up lee
his wife cut herself there and she went to the.
HOSPITAL i HAVE covid right. Now you're not in control
of this and it eats you up. Inside, now WHEN
i get OVER, COVID i will be. There don't threaten
me with small. Claims very petty when someone gets hurt

(01:22:08):
in your. House, SORRY i lost the.

Speaker 1 (01:22:13):
Spot, no it's it's hold, on hold. On i'm getting
the idea of. This do me a. Favor here's WHAT
i want you to, Do. Lana during the break, Here
i'm gonna Have kelly pick. Up she's going to give
you an. EMAIL i want you just send me the bad.
PICTURES i don't want to picture that's one inch away
That i'm not understanding What i'm looking. AT i want

(01:22:34):
a few of the worst pictures of the job you.
HAVE i also want you to Give kelly his. Name
what's the company? Name by the, Way so that's the.

Speaker 2 (01:22:44):
Thing the company NAME i can't find, anywhere and WHEN
i look him, up it just says self.

Speaker 1 (01:22:51):
Employed how did you find it?

Speaker 2 (01:22:52):
Me it was some website.

Speaker 1 (01:22:55):
ONLINE i don't remember.

Speaker 2 (01:22:57):
What the website was because this was again like months.

Speaker 1 (01:22:59):
Ago at doesn't, Ma, well what's his?

Speaker 2 (01:23:01):
Name, yeah his name Is Brian.

Speaker 1 (01:23:04):
Blaylock Brian. Blaylock all, right hold, on let's Get, kelly
get all that. INFORMATION i want to see these pictures once.
Again we're gonna put these pictures up on our YouTube.
SITE i want to know what people. Think you go to,
YouTube you type in troubleshooter. Network we're gonna get these.

Speaker 3 (01:23:20):
Up.

Speaker 1 (01:23:20):
Everybody hold, on.

Speaker 15 (01:23:26):
Go with a sure Thing Denver's Best Roofer excel roofing dot.

Speaker 1 (01:23:29):
Com you don't pay a cent until you're.

Speaker 15 (01:23:31):
Content time for an insurance checkup free no obligation comparison
Call compass insurance paying too much your coverage at dozens
of insurance. Companies find out now three all three seven
to seven to one. Help you'll think you're his only
customer when you Choose frank durand the real estate man
dot com to list your home With Remax alliance three

(01:23:53):
oh three nine two zero sixteen twenty.

Speaker 1 (01:23:55):
Two you know these. Pictures if he thinks he's going
to leave the job this, WAY i agree With, lona
this is. Horrible now the good news, IS i, mean,
really it looks like it's touch up to flooring itself
from WHAT i can, see actually looks. Good and if
you're just joining, Us lina called. Up she hired a.

(01:24:17):
Contractor she did everything right at the. Beginning she paid
as she. Went she paid him about fifty percent when
fifty percent of the job was. Done then he got
to her the last day he was going to finish.
Up she gave him the rest of the money because
she was going to be at work the next. Day
when he said he was going to finish she trusted.

(01:24:38):
Him he did most of, it and now he's paid
and now he can't get her. Back his wife cut
his or her hand working there at her. HOUSE i
don't know what that's going to look. Like and then
the other thing is he apparently GOT covid and hasn't
been out. There but you, know really a couple things
going on. Here one NA i do need to say.

(01:25:01):
This it seems like he is going to come out
and finish it, up and it looks like it's mostly touch.
UP i think he has to do some of those,
redoce some of those transitions and other. Things but this
job can probably be somewhat easily fixed if he would
get in there and spend a day doing. It would
you agree with?

Speaker 2 (01:25:19):
THAT i don't know because the part the picture THAT
i sent you with the calking around the, Door. JAMS
i had someone else from my marketing group come out
that does, flooring AND i knew this guy unfortunately AFTER
i already Hired, brian and he said that those pieces

(01:25:41):
around that area is just it's not done correctly at.
All you're not.

Speaker 8 (01:25:46):
Supposed to cack.

Speaker 2 (01:25:47):
It you're supposed to undercut the wood and slide the flooring.

Speaker 1 (01:25:50):
Underneath, WELL i get, that AND i see that he
didn't do it, right but he could sure clean that.
Up he could get rid of the cocking that's, there
and hopefully it's a little more flush and then, YEAH
i mean there's different ways he can make it look
a lot, BETTER i guess is What i'm.

Speaker 6 (01:26:07):
Saying.

Speaker 2 (01:26:08):
Right the problem is is he told me that he'd be,
there you, know in a week or.

Speaker 1 (01:26:12):
SO i tell, you guys have.

Speaker 2 (01:26:14):
Screenshots AND i texted, him you know yesterday that was.

Speaker 1 (01:26:19):
Free what did you say?

Speaker 2 (01:26:20):
Yesterday so yesterday AND i just, said, hello are you
healed up from HAVING? Covid he read it at five.
Fifteen his red receives are. On he read it at
five fifteen and never. Responded SO i texted him again
at eight o'clock AND i, said our response would at
least be. Appreciated it's been over two weeks and he
hasn't read that.

Speaker 1 (01:26:39):
One, kelly you, go you got this guy's.

Speaker 24 (01:26:42):
NUMBER i already left him a.

Speaker 1 (01:26:44):
Message was it a Normal? Uh it was automated with
his name just. Inserted, okay that's. Good SO i, mean
at least it's. Here so, listen we've got to call into.
Him i'd like to talk to, Him. Lana i'm going
to send these, Pictures, susanne would you forward those? Two
Big bear AND i want to Get Big bear on
in a little bit and see what he thinks of those.

(01:27:06):
Pictures by the, way if you go to YouTube dot
Com Troubleshooter, network we'll get those pictures. Up do me a, favor,
Though get those over, There, suzanne and Then. KELLY i
want you hold, On. LANA i want you to get
Me Brian burns again With. COMPASS i want to see
something when it comes to the. Homeowners if this guy told,
HER i want to know how an insurance company's going

(01:27:27):
to look at. This if this guy tries to put
in a. Claim, NOW i don't even know what the
damages would. BE i, mean you've got WHAT i, mean
maybe some, stitches maybe some stuff like. That it's nothing
long term, here SO i wouldn't worry too much about.
It BUT i wonder if he's going to try to
play that, card AND i want to see how that
would play. Out so three oh three, seven, one three,

(01:27:49):
eight two five, five let me see who's been holding the. Longest, Hey,
candy what in the heck's going on With Denver?

Speaker 21 (01:27:56):
County, Hi Tol, martinez thank you so much for what
you're doing for helping. Everybody it's. Great Denver county is
pretty difficult to deal. With we have lived in our
current home for twenty two. Years This, june we have
an issue with a herb in the front of the

(01:28:17):
house that is, broken and because of, that it is
jutting out into the. Gutter so when it, rains when
the sprinklers are on all the neighbors sprinklers are on
on my side of the, block the water just sits
in front of the. House so we have been contacting

(01:28:37):
street maintenance to get it. Fixed they've sent some people
out and LIKE i, said it's twenty two years. Now
the last people that were out here from The city
And county Of denver street maintenance was three years. Ago they, said,
oh we see the problem and we will put you
on a. List we don't know when we can get it.

(01:28:59):
RepA SO i, said how patient do you want me to? Be,
well they, said so we can get it, fixed just
go out every day and take a broom and sweep.

Speaker 1 (01:29:10):
It, well, okay, listen have you tried to go through
three to one one we.

Speaker 21 (01:29:15):
Have you, know we've got case.

Speaker 1 (01:29:17):
Numbers you realize how upside down the budget. Is, period,
RIGHT i don't know how you're going to get it.
FIXED i, MEAN i really. DON'T i MEAN i know
the new mayor was going to do a lot of.
Things in my, opinion he hasn't done anything but make things.
Worse it's my.

Speaker 21 (01:29:33):
Opinion so emailed Him tom it does no. RESPONSE i
gave him the, names the case, number the people we're dealing.
With the latest EMAIL i received this morning, said you,
know we have sent several people out and basically he's
saying the street is just flat and there is nothing
to be. Done that's not.

Speaker 1 (01:29:55):
True, yeah you're saying the curb broken curb which.

Speaker 21 (01:29:59):
Is jutted out into the. Gutter i've had several contractor
concrete contractors that have come out looked at, it you,
Know but, again the city's supposed canty for free.

Speaker 1 (01:30:09):
Candy how long have you lived In? Colorado fifty?

Speaker 21 (01:30:14):
Years not?

Speaker 1 (01:30:15):
Sure, okay that's a long. Time so you've noticed like
every road as potholes the size of. GRENADES i, mean
like literally have you ever driven like Into kansas and
the roads are perfect almost pretty much as soon as
you cross the line or Into laramie or into anywhere
In wyoming Or New. Mexico these people can't fix. Anything
some of the same potholes have been around since the.

(01:30:37):
FIFTIES i mean to think they're going to actually fix
your curb is a pipe. Dream NOW i, know maybe
eventually they will do we Have. Suzanne anybody at The
city And county Of denver that actually gives Ash.

Speaker 14 (01:30:53):
I'm not gonna say yes or no to, that But
i'm happy to take a stab at this. Case If
kelly wants me, to wants to say me all this lady's, Info.

Speaker 1 (01:31:01):
Yeah let's do.

Speaker 14 (01:31:01):
That.

Speaker 1 (01:31:02):
Candy we're going to try to establish what we refer
to as an angel. There we did have a great
angel In Denver county at one. Point they simply aren't there.
Anymore so but hold, on, yeah hold, On Please kelly
get her, information send it To, suzanne and it would
be nice to find someone that really. Cares, Yeah i'll Try. Mark.

(01:31:23):
Yeah so the budget shortfalls are going to be absolutely
people don't even know how bad they're gonna. Be but,
yet Our. Mayor IF i woke up and you told
ME i would agree With Kyle clark on, SOMETHING i
tell you you're probably. Nuts Now i've said this. BEFORE i
watch him almost every. DAY i like seeing that other,
SIDE i really. DO i like, it AND i find him.

(01:31:46):
Entertaining But i'll say. This if you told me i'd
agree with something he said in, Principle i'd be like your.
Nuts we have budget shortfalls coming everywhere In. Denver but
a governor wants to build, this this pedestrian street bridge,
that first of, all is going to make the entire

(01:32:08):
place look like a clown a. Circus oh, yeah that's
been all over the. News it's he wants to spend
thirty dollars on. That but the same pothole has existed
since the. Fifties, yeah so he can leave a legacy when.
He trust, me, bro trust, me, police you have left

(01:32:29):
lots of. Legacies just ask any homeless guy or anybody
that's been. Stabbed just ask anybody that's tired blue out
driving on our ungodly. Roads you have left more legacies
than any governor.

Speaker 15 (01:32:45):
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Speaker 1 (01:32:54):
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Speaker 15 (01:33:00):
Time for an insurance check, up, free no. Obligation in,
comparison Call compass insurance paying too much your coverage at
dozens of insurance. Companies find out now three oh, three
seven to seven to. One.

Speaker 1 (01:33:10):
Help you'll think you're his only.

Speaker 15 (01:33:12):
Customer when you Choose frank durand the real estate man
dot com to list your home With Remax alliance three
oh three nine two zero sixteen twenty.

Speaker 1 (01:33:20):
Two all right three oh three seven one three eight
two five. Five, Hey Brian Burns Compass. Insurance by the,
way Quote compass dot. COM i have Used brian in
the gang At compass for so many years, NOW i
couldn't even tell. You and they do other states Sites,
colorado but mainly, here uh, here here's the, Deal. Brian

(01:33:43):
if you have homeowners and you have a contractor come
into your. House lana had a flooring guy come in
and he hasn't tried to put in a claim or anything,
yet but he told her that he had. Insurance she
asked the question and basically he, said, yeah of COURSE
i have. Insurance so eventually his wife was helping him
out to her flooring and cut her hand and ended

(01:34:06):
up in the emergency. ROOM i assume they probably did
some stitches other stuff and she's done and out and,
healed so it wasn't a massive, thing but a couple
things on insurance if she did turn it in To
most homeowners have the equivalent of WHAT i would call
in an auto policy medpay.

Speaker 10 (01:34:27):
That one would be very. Questionable since it's actually a
contractor that set hired to come on to the. Property
they should have their own workers comp at that, point
it would be hard for them to prove negligence or
any kind of request from her as far as a.
Liability but, yes medical payments are on a home. POLICY

(01:34:49):
a lot of people have one thousand dollars as all there,
is but that's.

Speaker 1 (01:34:52):
It, Wow but a thousand bucks that wouldn't pay for
a freaking aspirin or a band.

Speaker 10 (01:34:57):
Aid but if it exceeds a thousand, bucks your liability is.
There BUT i get that at that point you have
to show. Negligence you got to show that you're responsible for.

Speaker 1 (01:35:07):
It and of course they wouldn't be because it's a.
Contractor they came in. There So, LANA i wouldn't worry
too much about this guy doing it because your your
your insurance company is going to deny. It in, fact
for that, MATTER i wouldn't even share information with this,
guy so that that's. Curious so But, brian if they,
did she would have the coverage if for some reason

(01:35:28):
they wanted to. PAY i, mean she would have the.
Coverage in other, words if this guy suit, her they
would have to step.

Speaker 10 (01:35:35):
In that's exactly. Right they would definitely defend her at that.
Point and then if she was responsible for some weird,
reason if she had left you, know knives out where
they shouldn't have, been, yeah, whatever had you, know something, Weird,
yeah then then her insurance would cover her for.

Speaker 1 (01:35:52):
That all, Right So, lana that's good. News it looks
like your homeowners isn't going to be going up or
having a claim or anything because they, simply you, know
if they do attempt to do, it they're going to be.
Denied so it shouldn't affect.

Speaker 2 (01:36:04):
You, Okay, well that's that's.

Speaker 1 (01:36:07):
Good, no that's that's really. GOOD i Wanted brian on for.
That but hold, on let me finish up With. Brian
i'll come right back to. You, BRIAN i appreciate. It
Quote compass Dot, COM i don't care if it's a.
COMPANY i don't. Care if you're a flooring guy like
this clown and need, insurance you call, It, BRIAN i don't.
Care if you're a, renter get a rental. Policy he's
got policies less than one hundred bucks a. Year you're

(01:36:28):
crazy not to have at least contents, covered or that
liability if you screw up somebody else's, apartment homeowners, insurance auto,
insurance workman's comp, insurance, insurance, insurance, insurance quote compass dot.
Com this guy shops for us over twenty thirty companies
every single year to make sure you have the best.
Coverage and the last Thing i'm gonna say About brian

(01:36:51):
in the guy's a compass is make sure you have
the proper. COVERAGE i say this all the. Time the
people in the fires up In Bolder, county how many
of them were under?

Speaker 10 (01:37:02):
Insured, Brian, yeah it's an excess of ninety five.

Speaker 1 (01:37:07):
Percent ninety five plus people were not covered, properly meaning
they're still paying a mortgage payment on a burned down
house and don't have money to. Rebuild it's. Horrible make
sure you have the proper. Coverage quotecompass dot. Com susanna
and So alana suits. Here look for an email from.

(01:37:29):
ME i am going to do some reaching. OUT i
need some more information from.

Speaker 14 (01:37:33):
You i'll want an email and THEN i will do
some reaching out to this gentleman to see what we
can do to help get you. Resolved and make him
come to the table and do what he's supposed to.

Speaker 2 (01:37:41):
Do, OKAY i really appreciate.

Speaker 21 (01:37:45):
That thank, you.

Speaker 1 (01:37:46):
Guys so we're going to do that and then send
us a. Copy do you have an agreement with, them
some kind of contract as? Well there was.

Speaker 2 (01:37:53):
Nothing it was just text.

Speaker 1 (01:37:55):
MESSAGES i got you all, right hold. Tight hopefully the,
guy you know WHAT i. Mean hopefully hopefully he was.
Sick hopefully there were, issues and hopefully he comes. Through,
honestly that's gonna be best case scenario For lana and for.
Him quite, Frankly, jeremy you're up. Next don's got a
problem with an. Arrest actually, Down you're up, first, Then.

(01:38:17):
Jeremy so you, guys hold. ON i Promise i'm gonna
get to these calls real. Quick joel you hold. Titu
we're gonna have one line open in a second seven
or three oh, three seven to one three.

Speaker 15 (01:38:28):
Talk go with a sure Thing denver's best Roofer excel
roofing dot. Com you don't pay a cent until you're.
Content time for an insurance check up, free no. Obligation in,
comparison Call compass insurance paying too much your coverage at

(01:38:50):
dozens of insurance companies Find Out now three oh three
seven to seven to.

Speaker 1 (01:38:53):
One.

Speaker 15 (01:38:54):
Help you'll think you're his only customer when you Choose
frank durand the real estate man Dot com to list
your home With Remax alliance three oh three nine two
zero sixteen twenty, two three.

Speaker 1 (01:39:09):
Oh three seven one three eighty two five. Five, okay
we've got a lot cooking in the. Background hopefully we
get some good. Updates suzanne's going to take on that
case with that contractor and hopefully you can get out. There,
hey we did send the pictures over to one of
our flooring, experts And lana called in and basically, Said,
hey this flooring guy towards the end just kind of

(01:39:31):
won't come back finish the. Job she sent us. Pictures
what Did Big bear say about the?

Speaker 14 (01:39:36):
Pictures it wasn't, Good, mark he, said it looked like
that whole job needed to be redone from the photos he.
Saw sounded like he was willing to go look at.
It but let's give this contractor a chance to reach back.

Speaker 1 (01:39:48):
Out pull Up Big bear's phone number two for. ME
i want everybody to know about these guys real. Quick
Then i'm going to hop right to the. Phone S
don's got a big problem something with an. Arrest But
Big Bear, flooring, man these guys are. Great they just
did our. Hardwood they came out, sanded it restained with the.
Baseboards it turned out it looks brand. New it is

(01:40:08):
so beautiful and they did new hardwood and some of
our rooms that used to have, carpet so now we
have basically all. Hardwood it is so. Gorgeous but they
also Do they'll save you a fortune on. Carpet you want,
carpet they'll save you a. Fortune they have cheap. Stuff
you have a fix and. Flip i'll say it like,
that and then they have whatever you want the expensive,

(01:40:29):
stuff but they'll still have great pricing on, that and
then they can DO. Lvt they're just great. People what
is What's Big bear's?

Speaker 14 (01:40:35):
Now glar phone number is three zero three four seven
eight six.

Speaker 1 (01:40:40):
Nine zero. Nine yen they've been on our referral list
FOREVER and i always try to use people we talk
about or that or on a. Referral list that's the
first time We Use. Robert man did he do a,
Great job just a. GREAT job i can't say enough.
About It Big bear flooring on a. Referral List, hey
dawn what is? Going?

Speaker 14 (01:40:58):
ON?

Speaker 23 (01:41:00):
Helogo Ti, Hi tom i'm so glad you shift. My,
call okay this is what's. Going, on okay my my
son and my future daughter, in law we're wanting to purchase.
A vehicle and, this man his Name Is leo. Matrix

(01:41:21):
teaching he he was he was the one going to
sell them.

Speaker 1 (01:41:26):
The vehicle well where Did they where did They find
leon Don.

Speaker 23 (01:41:32):
In Boulder? AND boulder i think you're An, AD yeah i.
Think so i'm not.

Speaker 12 (01:41:38):
Too sure i'm.

Speaker 23 (01:41:39):
Not positive but what happened was this. This, man okay
they parked their Van at wendy that Sixth, and sheridan
and they parked their vand there and they went with
this man on a uh uh chance drive with this with,
THIS psycho i. MEAN Psycho i i'm so angry at
my son forever putting his soon to be white and

(01:42:04):
himself in this kind of danger because he took them
for a ride all the Way To cripple creek and
back and he like tormented him. Like terrorism wait.

Speaker 1 (01:42:14):
A minute wait, a minute wait. A minute they Left
downtown denver basically and Went To cripple creek on a
test drive with this guy they never. Met, before yes
well he just.

Speaker 23 (01:42:25):
Kept trying and.

Speaker 1 (01:42:26):
You said you said he, hold on, hold on you
said he tormented him and? What, else, well Well.

Speaker 23 (01:42:33):
NOT torman i mean he was telling them very scary stories,
and stuff all kinds of. Weird stuff, and.

Speaker 1 (01:42:40):
Okay, hold on, hold on don. Hold on this one's
gonna take more than the next. THIRTY seconds i. Promise
you after, This break i'm gonna pull you right. Back
UP but i can't wait to hear. These stories we
got to figure out what's going on here and then. What,
happened ultimately HERE'S what i see on, The, screen folks
it's a problem with. An arrest who? Got arrested? What

(01:43:01):
happened did someone get? Beat up that in a lot
more Hang type.

Speaker 15 (01:43:27):
Go with a Sure Thing Denver's Best Roofer excel roofing.

Speaker 1 (01:43:30):
Dot com you don't pay a cent until you're content.

Speaker 15 (01:43:36):
Of time for an insurance check up free no obligation
Comparison Call compass insurance paying too much your coverage at
dozens of. Insurance companies find out NOW three o three
seven to seven to. One help you'll think you're his
only customer when You choose frank durand the Real estate
man dot com to list your Home With remax alliance
three three nine two zero sixteen, Twenty two.

Speaker 3 (01:44:02):
Ripped.

Speaker 14 (01:44:02):
Up news you?

Speaker 25 (01:44:06):
Need advice who you?

Speaker 3 (01:44:07):
Don't help come running just as fast as.

Speaker 1 (01:44:11):
We can shooter's.

Speaker 3 (01:44:14):
Gonna help. Come man this he Is The.

Speaker 4 (01:44:18):
Troubleshooter Show No. Tom martinez welcome my.

Speaker 1 (01:44:21):
Friends to the only show of. It's kind we're here to,
solve problems, answer questions. Take complaints we're here to make
your life a little. Bit better we're here. To help
we've got a team, of experts including attorneys and contractors
and flooring guys and insurance people and you, name it
we got it at referral lists dot com and they, help,
us uh day in and. Day out by, the way

(01:44:43):
speaking of someone on our, referral list That's Great Genesis
Total Exteriors. MARK schamansky i don't care if it's a.
Commercial project he's actually remodeling all the bathrooms In The
iHeart building. Right now he's done a bunch, of casinos
stuff up in a black Call In, central city remodeling rooms.
For hotels but for listeners, out there anything you need

(01:45:07):
done to, your, house, siding stucco a, new. Deck fences this.
Guy's great he has done so much work for us at.
Our house. It's incredible we're. Always happy the price is,
always great the product is. Always beautiful Genesistotalexteriors, Dot Com Genesis.
Total EXTERIORS but i really did want to say. This

(01:45:28):
too if you have a commercial project, out there he's. The,
guy man he is. The guy it can be, for
roofing it can be for. Anything Commercial call mark in
the Gang of Genesistotalexteriors. Dot com now this. One's crazy oh.
My goodness this poor lady calls Up and i'm just
going to recap. Real quick her son and soon to be. His,

(01:45:53):
Wife actually i'm gonna ask her they're not, married, yet, Right,
fiance right they're not. Married yet they're getting. Married soon
listen to this or looking for, a car they find an.
Advertisement somewhere they meet up with, this guy, this character Somewhere.
Around denver they hop in to take a test drive.
With them they end up going all the Way from

(01:46:15):
denver up to where, Was It. Cripple, creek yeah that's
like that's like, three, Hours right how far? Is that.

Speaker 2 (01:46:24):
It's like two and a half, three hours two and
a half.

Speaker 1 (01:46:27):
Three hours the whole time they're in the car with.
This guy he's. Acting, Crazy, now dawn give us some
ideas of what he's saying. And, doing okay he.

Speaker 23 (01:46:37):
Was telling him all kinds of really like the, bodrous stories.

Speaker 13 (01:46:44):
Just stories you got to.

Speaker 1 (01:46:46):
Give examples don't use any, cuss, words though but give us.

Speaker 22 (01:46:49):
Some.

Speaker 17 (01:46:49):
Examples okay he owned his, such shop and he would
give us accounts of the various couples that would come
in and listen him.

Speaker 8 (01:47:03):
Love essentially i'm not sure there was. Suck stories there
was criminal stories. Of enforcing oh, my god he was
an enforcer for The, uh russians and just just.

Speaker 23 (01:47:19):
All just like kind, of, scary creepy crazy stories of.

Speaker 12 (01:47:25):
Weird drugs have her speak up.

Speaker 23 (01:47:27):
About kind of weird drugs.

Speaker 1 (01:47:29):
And stuff and this, is so this whole trick is
like five hours you're listening to stories about sex and
enforcing And the russian mafia. And drugs this is going
on for. Five, hours yes what?

Speaker 16 (01:47:45):
Is?

Speaker 3 (01:47:45):
Her?

Speaker 1 (01:47:45):
Who who who is the daughter? In law what's?

Speaker 3 (01:47:48):
Her?

Speaker 23 (01:47:48):
Name Elizabeth?

Speaker 1 (01:47:50):
So elizabeth what were you thinking when this guy is,
talking about, for example a, Sex story like what would, he,
say what what is the definition of a?

Speaker 20 (01:48:00):
Sex, story well there was, A few, I mean, i
guess but the essential factor was that he was of
the same.

Speaker 8 (01:48:10):
Sex persuasion he likes same sex relationships because that was
His FIRST and i guess if you start.

Speaker 1 (01:48:16):
With and he's he's telling, you guys complete strangers about
this and about.

Speaker 8 (01:48:23):
Couples that would come into a sex store and how
they would basically pay them to. Go back this.

Speaker 1 (01:48:29):
IS unbelievable, i mean Is, he okay let let's let's just.
Continue on so where is?

Speaker 12 (01:48:36):
This, Going okay so this is.

Speaker 23 (01:48:39):
What happened they get back and he's like out. Of,
Gas okay and he had asked them for twenty dollars
to put in his, gas take and they, were, like
well we ain't got the money, Right now we ain't
got the money. Right now, you know they just went.

Speaker 1 (01:48:55):
It out in.

Speaker 23 (01:48:55):
The, vehicle well the dude got angry and started. Driving
erratically he ended up crashing, the car and my daughter
in law and my son both made a trip to
the hospital and then jail and. Then, jail okay my, son, wait, wait,
wait wait don hold on a second and.

Speaker 1 (01:49:18):
Walked away, hold on this whole thing is starting to sound.
SO crazy i don't even, Understand, it elizabeth not even.
Hold on let Me ask, Elizabeth, something elizabeth when this
is going on in all these crazy stories in the,
Driving erratically but even, before that wasn't it strange that

(01:49:39):
he wanted to Go To? Cripple creek why? Is this
why would you guys even agree to Go To? Cripple
creek he was A.

Speaker 8 (01:49:49):
Very i was my businessman if he, was saying she
was slightly longer than both, of us and he spoke
of all the businesses he, had heard and he was
speaking of it a that he knew of and the person,
to see and that he, was, like uh, you know
a close member of, the family and that he was
taking us out, to see, you know to give us

(01:50:12):
a rare first chance basically at getting a very good
deal on some very.

Speaker 12 (01:50:16):
Good cars what kind of car?

Speaker 13 (01:50:18):
Was?

Speaker 1 (01:50:18):
This what what kind of car are we?

Speaker 2 (01:50:19):
Looking at he said specifically there.

Speaker 8 (01:50:22):
WAS two i believe It was YUKONDAN because I.

Speaker 1 (01:50:27):
Like chevy wait, wait wait he was driving you to
go look at vehicles that Were In. Cripple creek.

Speaker 10 (01:50:34):
That was.

Speaker 2 (01:50:34):
The story that was.

Speaker 1 (01:50:35):
The plan that was. The, plan okay now, hold, on
yeah now, we know we starts, driving erradically there's. An accident?
What happened how did how did the?

Speaker 23 (01:50:46):
Accident happen the accident happened when they got Back, to
denver because he wanted to go up to their house
and and they, were, like well, no really WE'RE just
i don't Because the nalis were. Not there that was nothing, was.
There okay and and so they got back and they

(01:51:08):
were like really they. Were, back well he wanted twenty
dollars in gas and they, were, like well we don't,
have it.

Speaker 20 (01:51:15):
You know and then then?

Speaker 1 (01:51:17):
What happened then he hits the gas pedal and runs into.
Another car what happened.

Speaker 13 (01:51:25):
Down?

Speaker 23 (01:51:25):
The road down the road hit a.

Speaker 1 (01:51:28):
Dip in, the Road and elizabeth tell. The story she
was in. The car let her. Tell it, Go, ahead, elizabeth.

Speaker 8 (01:51:33):
Okay oh, because yeah there, was yeah one of those
toy box we were on. Our, way well and then
and then he said because it was just the one
tar he had them that he, was driving and so
he said then that maybe we could drive buy he
was going to give him special deal. On it so
we were honestly going to take it over To See
ron boll because she her card's kind, of ailing and

(01:51:55):
we had a son that was in it had this
twenty bucks, for gas so we were going to head
and get, the money and he. Started driving it was starting,
to RAIN and i Believe that jap was starting to
get apprehensive about all the stuff he was, talking about
because start talking about like different kinds. Of drugs but
they got the, other anyway and he was very interested.

Speaker 13 (01:52:15):
In something.

Speaker 8 (01:52:15):
Help anyway who were going down the street and there
was a stop and instead of blowing, at all it.
Just accelerated and the stop sign was located in a
dip in the road and another dip on the other
side of, the road so instead. Of stopping i'm not
sure it's the carsmiss or Simply and i'm not.

Speaker 1 (01:52:34):
You know driving at. This time? Who's driving it's, the, guy, right,
yeah okay so the guy's driving at. This time does he?
Hit something?

Speaker 14 (01:52:43):
What?

Speaker 1 (01:52:43):
Happened yeah He.

Speaker 23 (01:52:45):
Hit he hit the dits in the road and went
flying into, somebody's nailbox the tree and then Into another.

Speaker 8 (01:52:54):
Ford truck.

Speaker 1 (01:52:55):
Got it then hold on, a second, hold on, HOLD
on i gotta take. THE break i got. That one,
hold tight.

Speaker 3 (01:53:07):
Go with a.

Speaker 1 (01:53:08):
Sure thing denver's Best roofer excel roofing. Dot com you
don't pay a cent until. You're content time for an
insurance check, up free.

Speaker 15 (01:53:18):
No obligation, in Comparison Call compass insurance paying too much
your coverage at dozens of insurance companies find out now
three oh three seven to seven to. One help you'll
think you're his only customer when You choose frank durand
the Real estate man dot com to list your Home
With remax alliance three oh three nine two zero sixteen.

Speaker 16 (01:53:36):
Twenty two, All right i'm really trying to get to
the bottom of this three oh three seven ONE three
a two.

Speaker 1 (01:53:46):
Five five by, the way your three Oh, three martino
please send number works on. And off So Down, AND
elizabeth i kind of want to jump a little further into.
This story why did someone? Get arrested the whole thing.
Sounds crazy i've got so many questions skin. Sits insane
but who got arrested and why?

Speaker 23 (01:54:04):
They Crashed and ELIZABETH, and jp which is, my son
and that guy that guy was driving crashed him and,
walked Away and elizabeth and my son went to the
hospital and then. To jail my son is sitting in
jail right now on ten thousand dollars cash. Only bond

(01:54:25):
that guy must have said that he. Was driving i'm,
not sure but that he was driving and it ended
up being a. Stolen vehicle they have my son there
for a stolen vehicle and he and he's.

Speaker 25 (01:54:40):
Fight far my son is, not perfect.

Speaker 23 (01:54:43):
And he's not, you know but he has been doing
the very best.

Speaker 1 (01:54:46):
He, can okay, hold on stop stop stop stop shop stop, Stop,
stop elizabeth let me ask you a few questions because you.
Were there, Number one this guy just got up and
disappeared from. The, accident, YES well i.

Speaker 8 (01:55:01):
Don't see what happened was and it was my bad Tube,
because OKAY so i was BACK and I thought i
just had a, bloody NOSE but i had a huge
dash across, my nose AND so i, Was like i's,
profusely BLEEDING like i could. BARELY see i was like
literally just like. Seeping blood and it was a. Residential
neighborhood it. Was raining so we got out of, the car,

(01:55:23):
you know, WE all, i mean the doors. Were smashed
they had to breakaway out of. The car all these
people are, standing around they're all yelling, at everyone and everybody's,
like yelling and this.

Speaker 2 (01:55:32):
GOT hither.

Speaker 8 (01:55:34):
I, you know if he's going, to say they're all going.
That way because the guy is standing THERE and i
asked him to help me stop the bleeding out. MY
nose a leet, WAS like I have i have lasted on,
my HANDS and I realized i don't have. MY phone
i go look for.

Speaker 2 (01:55:47):
My phone it's in, THE car.

Speaker 8 (01:55:50):
I MEAN and. I was i was just in a
PANIC and i was, profusely BLEEDING and i got, MY
car i got my PHONE and i started walking down
the street because they had all gone the other way down.
THE street I, didn't PETU and, I was i was
TRAUMATIZED and i, need it just kind of like touch
my head and trying to get the leading to stop
because there was like. Boring BLOOD so i walked down
the STREET and i made about the block before like

(01:56:13):
one officer comes up immediately puts me. In handcuffs seven
wanting stars, come up, the ambulances they all. Show up
THEY determined i have a.

Speaker 22 (01:56:22):
Huge sloss on.

Speaker 8 (01:56:23):
My nose they take me to.

Speaker 22 (01:56:24):
The hospital and.

Speaker 1 (01:56:26):
Then when you arrested for, hold on, Hold, on elizabeth
what were you? Arrested?

Speaker 20 (01:56:31):
For you.

Speaker 14 (01:56:33):
What what?

Speaker 1 (01:56:35):
I'm saying what What was elizabeth arrested for what.

Speaker 23 (01:56:41):
Leaving the scene of, an accident and so we had
had when we got to, TELL me i.

Speaker 1 (01:56:45):
Get it, hold, on, LISTEN listen i don't need every
detail at. This point we might need.

Speaker 26 (01:56:49):
It later but they charged me with open CONTAINERS because
i had two bottles of whiskey and my Three Unopened
nina kims leaving the scene of, an accident trusted happy
for being in.

Speaker 8 (01:57:01):
THE car i had JP's does a card in my
wallet because, They.

Speaker 1 (01:57:04):
Start elizabeth for the life, of me please explain to
me why you're you're taking a test drive in a
vehicle with two bottles.

Speaker 8 (01:57:14):
Of, whiskey no we didn't get the whiskey until we, Got,
back like we didn't drink anything until we got back.

Speaker 1 (01:57:20):
To TOWN and, i so when you got back, to
town you started drinking with this guy that was telling
all the stories About the russian mafia and his sexual
encounters and. Everything else you guys decided to stop and
pick up some bottles. Of, BOOZE okay i.

Speaker 8 (01:57:36):
MEAN like, I mean i. Like whiskey it was it
was it was the end of a. Long day there
were an option for a beer and a shot of
whiskey and, damn, SURE honey.

Speaker 15 (01:57:44):
I did, i did and.

Speaker 8 (01:57:45):
Vibe in half eye AGAIN and i had seen like
a step and a half particular SO and i MEAN
and i wasn't In tod what.

Speaker 1 (01:57:53):
Did your what did what did Your son dawn get? Arrested?
For elizabeth what did he? Get arrested?

Speaker 22 (01:57:59):
Rested?

Speaker 13 (01:57:59):
For uh?

Speaker 8 (01:58:01):
D ui.

Speaker 23 (01:58:03):
Driving or stealing a?

Speaker 13 (01:58:05):
Stolen vehicle it was a Stolen.

Speaker 1 (01:58:07):
Bab why do the cops why do the? Cop wait,
wait wait why do the cops think he was driving
and not this? Other guy that's a.

Speaker 2 (01:58:16):
Great question he was talking about the only one unasured
and he was able to bring calm and stew.

Speaker 1 (01:58:22):
It apparently so who was there when the cops? SHOWED
up i.

Speaker 8 (01:58:26):
BELIEVE so i. Don't know he showed up at the
HOSPITAL while i was.

Speaker 1 (01:58:30):
In custody and, you're positive you're positive your husband, Wasn't,
Driving yeah.

Speaker 8 (01:58:37):
I'M sure i mean he was telling us about the,
professional driver, All.

Speaker 1 (01:58:42):
Right elizabeth, hold on, hold, on, guys. LISTEN listen i love.
HELPING people i got to, tell You and i'm going
to play bad cop. Right now we're still going to
try to. Help you, in FACT what i want, To
do susanne Is Get, joela zara one of the best
criminal criminal defense, attorneys around to try in in this
case and. Maybe Help but i'm going to tell you

(01:59:03):
what you're faced against because anybody listening to this call
right now thinks you guys are full. Of crap i'm
telling you. Right now so weirder things, have happened but
this one's. Pretty strange we are. To believe you look
and find an ad for a car, For sale you
meet somebody and then Drive To cripple Creek from denver

(01:59:27):
two and a half hours to meet up with somebody
else that is actually selling, the vehicles and you guys
all want to. Do this on the, way up you're
hearing stories about him growing up In the, russian mafia
this guy you, never met and his first sexual encounters
that happen to be all. Same sex not that. Tad

(01:59:49):
matters then on the, way back after all this, insanity
unfolds you stop by a, liquor store pick up a
couple bottles of booze or some shots, and beers and
you have some in the. Back seat then this guy
is driving flies through a stop sign with two big

(02:00:12):
dips in it ends up hitting a, stop sign crashes into,
another car and you. WANDER off a couple, blocks down you,
get arrested and then your boyfriend soon to, be husband
is arrested and he's. THE driver i, asked you are
you sure he? Was driving the hesitation in your voice

(02:00:37):
told me that he might have. Been driving maybe you,
Didn't know maybe you had a little more whiskey than you.
Remember HAVING but i am left flabbergasted by. This story
everybody in this room has heard. The, Story frank i'm
going to ask you, Straight Up, frank duran the real,

(02:00:57):
estate man what do you make of? This story Honest?
To god just put it like. It is You're a
you're a.

Speaker 5 (02:01:04):
Strange, Shooter fred it's just it's, it's chaos, AND boy
i don't. Even, KNOW look i don't know what to make.
Of it in the Sense that frank's not a. JUDGE
guy i try.

Speaker 10 (02:01:14):
Not to be a.

Speaker 1 (02:01:15):
Judge guy but if you were on a jury or
you were a cop and you're listening, to this, you're
going what the heck's? Going, on yeah and it sounds
like there's more of the story than maybe what we're.

Speaker 18 (02:01:25):
Maybe, Here, Hey, Mark yes i'd like to know how
they thought we could help.

Speaker 1 (02:01:29):
With, THEM well i think they, probably guys you probably
need help with. AN attorney i.

Speaker 23 (02:01:34):
Assume, No, Listen okay so after, this happened right and
they went, To jail.

Speaker 1 (02:01:41):
I'm shocked.

Speaker 23 (02:01:42):
There's more this man went and robbed, their vehicle.

Speaker 8 (02:01:48):
The.

Speaker 23 (02:01:48):
Van okay so they met them Him at wendy's and
got into the Vehicle at wendy's.

Speaker 10 (02:01:53):
And they left their.

Speaker 23 (02:01:54):
Van there he went and robbed their, vehicle completely eat,
on camera stole all kinds of stuff out, of it
spread out all kinds of stuff all the way, around
it tried to steal it. The ignition he jammed on
the ignition and he took the batteries out of it
when he couldn't, get it and then proceeded to go

(02:02:15):
because he got. Their address he proceeded to go to
their home and he has robbed.

Speaker 21 (02:02:20):
Their homes.

Speaker 23 (02:02:22):
He barricaded himself in the back room and then had
another stolen vehicle in. The driveway thinking that these two
are still. In, jail well her mother had drove by.
Her house she Lived In, Black hoof they Lived In.
Black cock they have a Home In, black crows and
he was pulled in the driveway in another stolen vehicle, and.

Speaker 1 (02:02:44):
Wait, right right don, hold on this. Is incredible so
what happens at that? Point though so this guy goes
and steals stuff from the van and the battery and
whatever that. Looks like then he goes over to. Their
house and when you.

Speaker 15 (02:02:58):
Said he'd go with a Sure Thing denver's Best Roofer
excel roofing.

Speaker 1 (02:03:02):
Dot com you don't pay a cent until. You're content.

Speaker 15 (02:03:08):
Time for an insurance check, up free no obligation Comparison
Call compass insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to. One help you'll think you're his only
customer when You choose frank durand the Real estate man
dot com to list your Home With remax alliance three
oh three nine two zero sixteen.

Speaker 3 (02:03:28):
Twenty two.

Speaker 1 (02:03:34):
All RIGHT three o three seven ONE three a two.
Five five Hey, Don elizabeth so this guy's in your
house at, this point and he basically won't Let you
and do you call? The cops, don, no, no, no
no no.

Speaker 23 (02:03:47):
No no i'm still down here trying to get her
van that got told because he had spread everything all
the way. Around it they ended up saying it, was
abandoned and they told the vehicle so.

Speaker 1 (02:03:59):
You guys you guys after, that story literally are calling
because your van got towed and you're trying to. Get.

Speaker 23 (02:04:08):
It no and then the man went to their home
and was, HE literally I have i have letters. Right
here it, says hello my Name Is. Andrea.

Speaker 1 (02:04:19):
Fox, Elizabeth, now elizabeth, hold on Let's just i'm going
to ask you a very. Simple question what can we
help you with?

Speaker 23 (02:04:27):
Right now, She called they won't let her. Press charges
she called nine, One, one YES and.

Speaker 25 (02:04:33):
Gp needs a good defense attorney.

Speaker 8 (02:04:35):
As possible didney would be a good.

Speaker 25 (02:04:37):
DESUNSE attorney i almost need a good defense my. My
son the prerequisent, to THIS like, i SAID because i
was refused to be able to press charges based on
the time frame and their arms. Play rules they told
me my house, was UNSECURED so i couldn't.

Speaker 23 (02:04:48):
Charge him they said because her house was unlocked that
they could basically okay that he ransacked her. WHOLE home,
i mean ranch act it because we made it up
there by. LIKE midnight i.

Speaker 1 (02:05:00):
Had to put them. On, hold suzanne we Can address
i'll think about. Readdressing tomorrow with these two, ON air, i,
LIKE wow, I mean i FEEL like i FEEL like
i just sat down At the dennis for three root

(02:05:20):
canals and. Absolutely zero, You, Know novacane suzanne do me.
A favorite let's get. Their info let's try to Get
joelz eara lined up for tomorrow or Something In. Adam
mark there is so much more to this story that
we aren't. BEING told i don't even know where to.

(02:05:41):
Begin with when they basically just alluded to the fact
that they're trying to get their van out and can't
get their, VAN out i felt, like saying why didn't
you lead? With that that would have been much easier to.
Lead with this story is so unbelievable in so many.
Different ways but let's get a crime. DEFENSE attorney i
don't want to like sit here and pooh. Poo it

(02:06:03):
maybe all this. Stuff happen maybe the cops don't care
if someone breaks in and barricades themselves in and steals
your van and steals a battery and. Steals everything maybe.
That's true maybe they didn't all get. Drunk. Together yea
and whether or not your home is locked, or unlocked
you're not somebody entering in your home without your permission be,
a crime and then you should be able to do something.

(02:06:25):
About it and the hesitation and the questions like are
you sure your husband? Wasn't driving it seemed like.

Speaker 3 (02:06:30):
They were it's just it's.

Speaker 1 (02:06:33):
Absolutely insane. It's, Crazy, hey jeremy what's going on? With, This,
Hoa jeremy i'm gonna put him. On hold tell me when.
He's ready we'll come back. To, HIM john i want
to talk. To you you helped a, lady Out and
i'm Talking To, john clace partnering lending. Dot com he WORKS.

(02:06:53):
For cmg Frank durand stephanie listened to. This story this
woman called up probably about three four, weeks ago maybe
even a, little longer.

Speaker 6 (02:07:02):
A, little longer probably six, weeks ago.

Speaker 1 (02:07:03):
Six, weeks ago and she was in, a spot? Wasn't she?

Speaker 6 (02:07:07):
She was?

Speaker 1 (02:07:07):
She was she was in a spot or or you
happened to be on the show THAT day.

Speaker 16 (02:07:11):
I was on.

Speaker 6 (02:07:12):
The show she called in and just really didn't know where, to.

Speaker 1 (02:07:15):
Go had, no idea she didn't have any communication with her.
Family anymore she's basically out there, by herself and she
had bills, coming up and was she kind of she she?
Needed money is basically the.

Speaker 6 (02:07:28):
Bottom, line oh she had.

Speaker 9 (02:07:29):
The house the house was free, and clear her husband
passed like two, years ago took care of, the bills,
you know she had tax the tax payment taxes come
and do the roof. Needed repair of the, insurance company.

Speaker 1 (02:07:41):
The insurance company was going to.

Speaker 6 (02:07:43):
Cancel, her, yeah yes they were going to.

Speaker 9 (02:07:45):
Cancel her and so when you talked, to her you
talked about having me help and look at THE, reverse
mortgageep having the roofing company, Come out Excel Roof excel
roofing who, came out, helped her and eventually she stepped
me a message the other day just saying. How thankful
and so.

Speaker 1 (02:08:01):
You ended up all qualifying her and funding her for.
Reverse mortgage, we did and.

Speaker 9 (02:08:06):
We did and she took a lump some to get,
the roof get, the house all. That repair she's getting
an extra thousand dollars, a month and then she has
money that if, she needs she can access that funds
for any larger type.

Speaker 6 (02:08:18):
Of things so she's got.

Speaker 1 (02:08:19):
A line of credit and she's getting a thousand bucks. A,
month yes that's how you.

Speaker 9 (02:08:24):
Structured it she took an a lumpsum of like sixty
thousand to get, everything, fixed taxes. The house she's getting
an extra thousand a month to her just for extra
income and stuff. Like that and then if something, comes
up she still has an equity that she can so.

Speaker 1 (02:08:40):
SHE literally i mean it turned her. Life around this,
reverse mortgage she TURNED her i mean we, can, honestly
well she's honestly saying that.

Speaker 6 (02:08:46):
She is she is. Honestly saying then it just really
just saved, saved her saved.

Speaker 1 (02:08:51):
Her life do you run into those situations with reverse mortgages?
A lot you said something interested. In there she lost.
HER husband i really don't think if it matter if
it's a husband. Or wife but when you lose your
spouse for a, long time, you know everybody has different
roles in. The family they can be whatever. They are
he probably paid the bills and took care of the

(02:09:12):
roofing and the house. And stuff and, YOU know i
bet that happens. A, lot.

Speaker 6 (02:09:16):
Yeah yeah and you know.

Speaker 9 (02:09:17):
THEY stay i don't know, the statistics but when one one,
spouse dies it's not that long for the.

Speaker 1 (02:09:23):
Other one that's what happened to. My grandparents they need.

Speaker 6 (02:09:26):
Some help needs something. Like that so this is now
at least she's got that weight lifted.

Speaker 9 (02:09:31):
Off her shoulders of the economical, lift economics which was
you know that that can, be strangling.

Speaker 1 (02:09:36):
Especially when you need. A roof and in order to
qualify for a, reverse mortgage the property has to be
in a. Certain condition it.

Speaker 9 (02:09:44):
Had to be in a, certain condition which you know it,
was borderline but we, got it we got it.

Speaker 1 (02:09:49):
Passed, through, WELL yeah. I know THAT'S what i love
about working with. You GUYS like, i said for people that.
Weren't listening, First hour john just did a, standard mortgage if,
you will or a traditional mortgage for our son is,
first house and that Was. IN nebraska, i mean you
do loans every single state with the. REVERSE mortgage i
want to stay on that for. A minute the house

(02:10:11):
has to be in a. Certain condition what else is
a little harder about? Reverse mortgages? IF anything i know
you've got to be? What, Age, now well actually you
told me you have products Now that i'm fifty nine.

Speaker 9 (02:10:23):
Years old Fifty five actually i'm. Sim five you need
a lot, of equity but fifty five you can. Do
them the typical heckem is sixty two, years old but
you can do them as low as fifty down to.

Speaker 6 (02:10:35):
Fifty, Five yep so.

Speaker 1 (02:10:37):
That's, incredible now how about if, someone is say, sixty
five but their spouse, is forty.

Speaker 9 (02:10:44):
So they've actually done it now to where it's called the,
you know. The spouse so they do it because but
they we have to run the numbers off, the lowest.

Speaker 1 (02:10:52):
The forty, year old, of course because they can live.

Speaker 6 (02:10:54):
There forever they can live. There forever but now we can.

Speaker 1 (02:10:57):
Do it you can do.

Speaker 6 (02:10:58):
That, too yeah as long as you got that quid in,
the house you can.

Speaker 1 (02:11:00):
Do it and then there's. No way long as the
taxes and insurance. Are paid as long as you pay your,
own time you can stay there long as.

Speaker 6 (02:11:07):
You want that's, the guideline and it's, it's yeah as
long as you as long as.

Speaker 1 (02:11:12):
You live and then, fee wise real quick on reverse
we've talked, to this talked. About this you're allowed to
only charge. So much so let me just throw a round.
Number out let's say five. Thousand dollars you can only
charge five thousand dollars doing a. REVERSE mortgage i don't
care if it's, YOU guys i. Don't care If It's,
henry winkler whoever he does on LATE, NIGHT tv i.

(02:11:33):
Don't care who it is selling. Reverse mortgages the government
limits how much you. Can make, they do, they do
but they don't limit you from discounting it and doing
it for less than anybody else. Out there, they don't.

Speaker 9 (02:11:49):
They don't, and, typically yeah that's where we. CAN go i,
mean reverse it's based off of equity. And age but
then you can you can have some flexibility on.

Speaker 1 (02:11:56):
The cost yeah, You can and other companies don't. Say
that but if you Call up JOHN with cmg is
going to be straight. With you do you ever have
anybody call and talk about a reverse but then they
end up in a different product or end up in.

Speaker 9 (02:12:09):
No, PRODUCT actually i just did one of your callers
from about two. Years ago they have a pretty good,
first mortgage but they wanted. Some equity we were gonna
be able to get them because they do a home
safe second reverse equity line, now yep but they ended
up they sent me. Their taxes they end up qualifying
for just a regular home, equity line which is better
for them at this which is.

Speaker 1 (02:12:29):
Better like like the all. In, one yeah, all, Right folks,
So Listen, john clay these guys, ONCE again cmg two
billion dollars. A month this is where everybody else one
of the places. They go most people you call for
mortgages or nothing but. A middleman all they do is
get the rate from somewhere else and take. The spread.
THAT'S it i don't care how big you think the.

(02:12:49):
Company is the majority of lenders out there don't. Do
it these guys. Do it they are the bank partner
in Lending. Dot com Or call john with. Any questions
three oh three five seven seven seven two. Zero Six,
FRANK durant i want to talk. To you you know.
What's amazing you guys made us more on our house
when you sold it for Us In. Castle rock then

(02:13:10):
that model sold for, anywhere ELSE and i loved your
magic you. BROUGHT in i said, TO you, i, said
no we can get more, than that because you wanted
to list it cheaper THAN what I knew i could
get for IT because i was looking at. Those models
but that's just one of. Your secrets that, is MAN
and i hate to be given every, other realtorate but
you list it lower to, get well to get all

(02:13:32):
the fish chumming and get all the. Offers in, You.

Speaker 5 (02:13:37):
Know mark and it's really about hitting the. Sweet spot
we do so much research before we even list. A
house so much goes into this that a lot of people.
Don't see and it's not even so much that we're listing.
It low we're finding just like when you go to
the doctor and they fill, your pulse we're finding. That
pulse it's like when you pull a slingshot back, maximum,
force release maximum force. Going forward that's how we find
that sweet spot, and.

Speaker 1 (02:13:58):
Listen hit the proofs in the pudding, With, Him john
i've told you This. About frank he sells more homes
literally in one month than most realtors in the entire State.
Of colorado think. About, that everybody go find a neighbor that's, a.
Realtor anybody chances are he sells more in one month
than they do in over. A, year like how many

(02:14:18):
closings have, YOU had i don't know in the, last
month last, two months give me a Full.

Speaker 5 (02:14:23):
Lash mark we've sold quite. A few i don't KNOW
if i have an exact number for you, right now,
over Thirty but. I'll, See yeah i'll, Say this we're
already on pace to serve over one hundred.

Speaker 1 (02:14:34):
Clients easily that's incredible for. This year And Then, stephanie
thomas if you're In The pike's. Peak region you know
that area. Inside out you specialize It Basically, Colorado Springs.
Pueblo west and then of course You Know woodland park,
big time all the way down. The monument, oh.

Speaker 16 (02:14:52):
Yeah.

Speaker 1 (02:14:52):
Great people listen to all these people you can find
on a referral list as well at referral list. Dot,
com everybody. Hold tight let me give this, Out though
Frank duran holmes. Dot com Frank durant holmes, Dot Com.
Denver metro And Then stephanie Thomas is Stephanie r e,
Dot com Stephanie r e. Dot com, hold tight