The Troubleshooter 8-21-25

Episode Transcript

Speaker 1 (00:00):
Yeah, rit.

Speaker 2 (00:07):
News.

Speaker 3 (00:08):
You need advice when.

Speaker 2 (00:09):
You don't have, come running just as fast as we can.

Speaker 3 (00:15):
Shoot's gonna help coming. Man.

Speaker 4 (00:19):
This is the Troubleshooter Show. No Tom Martino.

Speaker 2 (00:24):
Hey, I'm Tom Martino, and I welcome you to the show.
Everyone listening across the nation on iHeartRadio app and also
in our beautiful Colorado area. We have a few stations,
and of course our flagship kh OW and Denver, and
then we have of course our podcast audience who downloads,
and you know what. We just love doing what we

(00:46):
do and we thank you very much for being part
of it. Hello, one and all.

Speaker 5 (00:50):
Now I'm gonna go to the phones.

Speaker 2 (00:52):
Three oh three Martino is the number three oh three
six two seven, eight four sixty six or three oh
three seven to one three talk, and then I'll introduce
our guests O'Brien to talk about some real estate, big
developments in real estate. I want to talk about Mark.

Speaker 5 (01:05):
First.

Speaker 2 (01:06):
Mark, Welcome to the show. What's going on?

Speaker 6 (01:08):
Mark?

Speaker 5 (01:09):
What's happening with you?

Speaker 2 (01:10):
Mark?

Speaker 7 (01:12):
Hi? Tom? Mark, Hey man, I'm having problems with a contractor.
I live in southern Colorado and I hire the guy
out of the springs. On November ninth.

Speaker 5 (01:22):
Phoja Higher Poja Higher.

Speaker 7 (01:25):
A guy named Moses. He runs a company called Kingdom
First Construction.

Speaker 2 (01:31):
What is it called Kingdom First Kingdom? Oh? Is he
some kind of religious guy? And he put that in
his name? Yes, you know what, I always am suspect
of people who do that. I'm just I shouldn't be,
but I am. I mean, and I'm not saying that
automatically makes him bad, but it's weird. His name is

(01:52):
Moses and his Kingdom First Construction. And we used to
have a guy that would say, you know, he put
Christ in the name or something. I don't know. I
just always feel weird when people tout their faith is
a reason they're better. Not that I'm not saying faith
based is bad. I'm just saying I always I always
feel weird about people who who who use it as

(02:12):
a front. Anyway, tell me what's going on with Kingdom
First Construction and Mighty Moses.

Speaker 7 (02:20):
Well, Moses came I mean, he came off across. It's
a very very professional guy.

Speaker 2 (02:26):
I mean, now, what did you hire him to do? Mark,
What did you hire him to do?

Speaker 7 (02:30):
Build a poll? A pole barn based garage.

Speaker 2 (02:35):
A pole barn garage I get it. Yeah. Yeah, they're
very popular. They're very inexpensive compared to regular construction.

Speaker 5 (02:42):
What went wrong, Let's go right there. What went wrong?

Speaker 7 (02:44):
Bro? He just couldn't seem to get it done and
get it done right.

Speaker 5 (02:51):
Well, tell me some of the things that went wrong.

Speaker 2 (02:54):
Okay.

Speaker 7 (02:54):
Well, I mean I hired him on November ninth.

Speaker 8 (02:57):
He came out at some point in November.

Speaker 7 (02:59):
And actually did the layout.

Speaker 8 (03:03):
Where he painted where everything was.

Speaker 2 (03:05):
Supposed you're talking November ninth of last year. Yeah, and
he still hasn't gotten it right.

Speaker 7 (03:12):
Well, then you got kind of running through this, but
got it. I actually I kind of I kind of
got through. Okay. Reember night he came out, he did
the layout. On December second, he did he actually drilled holes.
They did a poor in this. On December thirtieth, he
really and you.

Speaker 2 (03:33):
Kept good, you kept good track of things.

Speaker 8 (03:35):
Okay, I got everything. I've got everything.

Speaker 2 (03:37):
On December thirtieth, he poured concrete correct, Okay, Then what.

Speaker 7 (03:43):
The pillars to put the to put the post on?

Speaker 2 (03:47):
Most of it was wrong, Okay, go ahead, wrong the.

Speaker 7 (03:51):
Concrete was in the wrong place. So then we okay,
and then I'm gonna just kind of fast forward a
little bit.

Speaker 5 (03:57):
Most hold on way way way.

Speaker 2 (03:59):
Wait, all of the concrete was poured in the wrong spot,
or a few of them?

Speaker 7 (04:03):
No, no, no, half of them?

Speaker 5 (04:06):
Okay, got it.

Speaker 7 (04:08):
Out of eighteen, I think there's eighteen piers, or maybe
it's twenty some piers, anybody, So.

Speaker 2 (04:13):
So nine, let's just say nine of eighteen piers were
in the wrong spot.

Speaker 8 (04:19):
Correct, And so some of them he tried to just
pour some concrete.

Speaker 7 (04:24):
Next to the pier, and some of them he had
to pull out. And then the next pull some of
them were wrong again, so we had to pull some
more piers and then the defining wall.

Speaker 2 (04:38):
Wait a minute, what the hell are we talking. We're
not talking about rocket science here. We're talking about pouring
concrete piers that line up with each other.

Speaker 5 (04:47):
What the hell's going wrong?

Speaker 7 (04:49):
I don't know. You know, he came highly.

Speaker 2 (04:53):
Okay, did he ever get it right? No?

Speaker 7 (04:57):
Well, yes, yes, he finally got the piers right after
the fourth time. But then I couldn't get him to come.

Speaker 8 (05:03):
Back and do more. And then then his next excuse was, well,
I wrecked my truck.

Speaker 2 (05:09):
Okay, I have a question for you, Mark, I need
to I need to ask this question, did you ever
get a pole barn?

Speaker 7 (05:17):
No? No, it's still in progress.

Speaker 5 (05:19):
Okay, what stage is it in right now?

Speaker 2 (05:22):
Well?

Speaker 7 (05:23):
After after he got right?

Speaker 2 (05:24):
No, no, no, no no, no, no no. I know
you want to tell the story, but you have to
humor me a little. Right now, I'll let you tell
your story. Right now? What stage is it in?

Speaker 5 (05:34):
Currently?

Speaker 7 (05:36):
The posts are up and a lot of the and
about half of the wall girts are up.

Speaker 2 (05:41):
Half of the wall stringers.

Speaker 7 (05:44):
Yes, but I did that myself?

Speaker 2 (05:48):
What?

Speaker 9 (05:49):
Yes?

Speaker 2 (05:51):
Wait you did what did you do the posts? The
or did you just do half of the wall stringers? No?

Speaker 7 (05:58):
I didn't the pole and half of the wallstringers. Come on, man,
I think he ran all the anchor plate in all.

Speaker 2 (06:05):
I have another question, what did he do since finally
getting the peers right? What did he do? Nothing?

Speaker 5 (06:15):
Ah?

Speaker 2 (06:16):
So basically he poured the peers and walked off the job.

Speaker 7 (06:22):
Well, by June, I was so frustrated with it, and
I told him that, you know what, I just can't
do this anymore. Because it was always next week, I'll
be out next week, and six months into it, I figured,
you know, he's just.

Speaker 10 (06:35):
Not going to get it done.

Speaker 7 (06:37):
So I told him, I said, Moses, I think we
should part ways, you'll yeah.

Speaker 2 (06:42):
Or part to sees we got to get he's got
to do something.

Speaker 8 (06:46):
And I told him, I said, no, no, no, no, how much to.

Speaker 2 (06:48):
Well, here's what I want to know, and this is
going to be easy for you to answer. I want
to ask this question, how much did you pay him?
And how much value did you get? Because I want
to know how far you're behind the eight ball. Because
Brad O'Brien is with us. He's a real estate attorney.
He doesn't necessarily do construction, but he's a real estate attorney,
and Brad, when it comes to damages like this, that's

(07:09):
what you want to know, right. You want to see
payment versus value, right.

Speaker 11 (07:14):
That's right.

Speaker 12 (07:15):
So he's got a contract to get this barn built,
right if he has to get it done through somebody
else and it.

Speaker 2 (07:19):
Costs more of himself.

Speaker 12 (07:21):
But if he goes through somebody else and it costs
more in the end, and he actually you can actually
go back against the first contractor for the difference.

Speaker 2 (07:27):
So long as it was the contract. They did it
according to contract. But here's what I'm saying. If he
paid the guy, let's say ten grand up front and
got five thousand dollars worth of work. That's an easy figure,
isn't it? It is? You know? I mean and if
they part ways? So Mark humor me here, how much
did you pay him in total?

Speaker 7 (07:46):
It's under thirty four thousand.

Speaker 5 (07:49):
Well you didn't get near that and work.

Speaker 2 (07:51):
No.

Speaker 7 (07:52):
I checked a couple of the contractors and they're figuring
with he had to have an engineer because originally it was.

Speaker 2 (07:59):
Did you pay thirty four upfront? Did you pay thirty four? Oh?

Speaker 5 (08:04):
My god?

Speaker 2 (08:04):
So according that.

Speaker 7 (08:05):
Was supposed to take us to frame to complete frame
it okay?

Speaker 2 (08:09):
According to other contractors, what did they say you got
in value?

Speaker 7 (08:14):
About ten grand?

Speaker 5 (08:18):
Okay?

Speaker 2 (08:19):
Now, could this be a violation of the contractor's Trust Act?
I believe so he put them You gave him money.
He was supposed to put it in trust for that
job and use it only for that job. Does he
have any money to refund you?

Speaker 7 (08:31):
I don't think so. I don't know.

Speaker 6 (08:32):
He won't.

Speaker 7 (08:33):
He won't. He turned my claus anymore.

Speaker 5 (08:34):
Okay, we need He even.

Speaker 7 (08:36):
Has equipment sitting here. He has the augur Play podcast.

Speaker 2 (08:40):
Not only not only do we have a deputy who
loves taking on these cases. Deputy d here sitting next
to me, and those streaming can see.

Speaker 5 (08:48):
The wide shot here.

Speaker 2 (08:49):
But he also knows a great construction defect attorney we
can talk to. And I don't know if that, but
that he would be the one for the Contractor's Trust Act.
And I'm going to tell you, Mark, you got a
good case here. You kept good. So I imagine you're
calling us today because you want to shake things up, right.

Speaker 7 (09:07):
Well, yeah, I just I just want him to come
pick up his equipment. Of course, what was the difference?

Speaker 8 (09:12):
And that's right and part wait, just I only want
what's fair.

Speaker 2 (09:17):
By the way I was told, I was told that
this Moses guy used to be on the referral list
under a different name. Oh yep, Moses. I don't recall him,
but Sue's thinks I might have hired him to do
some miscelline. Wait a minute, Wait a minute, he's not

(09:42):
the guy Sue's. Is he the guy that did the
bathroom in my in my hangar? Wait a minute, he
was a really nice man. Can you describe Moses to me?

Speaker 6 (09:52):
Sir?

Speaker 7 (09:54):
Five nine, probably one hundred and eighty five pounds, good looking,
young guy.

Speaker 2 (10:01):
Now wait a minute, was he a black man?

Speaker 13 (10:04):
Yes?

Speaker 2 (10:05):
Okay, well that that would be good for the description,
because that that's the guy that did my hangar Moses,
I remember Moses, Deputy D.

Speaker 14 (10:14):
Yeah, I found some information about Moses.

Speaker 2 (10:17):
Was a good guy. I don't know what's going on?

Speaker 14 (10:18):
Okay, go ahead, Well yeah, so he goes.

Speaker 15 (10:21):
So I believe this man's actual real name, full name
is Elmo Moses Guilder the third.

Speaker 14 (10:26):
Yes, yes, okay, that's the good same guy that I found.

Speaker 2 (10:29):
Okay, guy, yeah, hold on, man, he did a splendid
job for me.

Speaker 7 (10:34):
He had great referrals.

Speaker 2 (10:37):
God, what happened?

Speaker 5 (10:38):
So, Roger, what's going on with you?

Speaker 7 (10:41):
I have no mark?

Speaker 14 (10:43):
Well, is there any sign of trouble?

Speaker 7 (10:44):
Was he?

Speaker 15 (10:45):
I mean, did he appear like he's getting sick or
just spreading himself to things?

Speaker 7 (10:49):
Said everything?

Speaker 13 (10:50):
Okay?

Speaker 7 (10:51):
I mean what did he say?

Speaker 2 (10:54):
You know?

Speaker 7 (10:54):
He said, no, everything's fine, you'll uh well.

Speaker 8 (10:58):
Be out in two weeks.

Speaker 7 (11:00):
This was out.

Speaker 2 (11:00):
Yes, he never brought.

Speaker 8 (11:01):
Another crew member with him other than one.

Speaker 7 (11:03):
Time he brought his son. That's tuitely say how.

Speaker 14 (11:05):
Long has it been?

Speaker 2 (11:06):
Indeed?

Speaker 14 (11:07):
What how long has it been since he was last
on the job site?

Speaker 2 (11:10):
Yeah? How long?

Speaker 16 (11:10):
Oh?

Speaker 7 (11:11):
DUOTU.

Speaker 10 (11:13):
But four months.

Speaker 2 (11:15):
Okay, you know what he gave McCall. He he did
work for me, and he did splendid work for me.
I'm telling you, okay, hold on. I feel bad. Not
that I'm going to go easy on him. I mean
this guy, uh, you know, I think he did you wrong.

Speaker 5 (11:31):
So let's let's figure this out.

Speaker 2 (11:33):
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Speaker 5 (12:31):
Hey, welcome to the show.

Speaker 2 (12:32):
Three oh three seven one three talk three oh three
seven one three A two five five. So we're gonna
look into that contractor now we're going to talk to Roger. So, Roger,
what is going on in your life? I'm Tom Martino
and uh, we're here in the studio taking your calls.
Tell me what's happening, sir.

Speaker 8 (12:54):
Well, Uh, first of all, in the thank you for
thinking my call.

Speaker 2 (12:58):
Sure, Roger.

Speaker 17 (12:59):
In the past, you've talked about you know, hey, you know,
we talked about just about anything on this show.

Speaker 2 (13:04):
Of course we do. I call it the everyday aches
and pains, the things that tick you off, the things
that make you tick. Right, So, what's what's going on.

Speaker 17 (13:18):
I was stationed to Guam when they send you off
to give you a plaque, and I had a plaque
that had a coconut crab on it, and they codd
this coconut crab and the plaque in something that was
that then it hardened and it sealed it right, and it's.

Speaker 2 (13:34):
Called daycopage, and it's a polymer. It's a it's an
acrylic clear plot polymer.

Speaker 7 (13:41):
Okay.

Speaker 17 (13:43):
And what I'm trying to do is I'm trying to
find that because my puppy dog passed away from kidney.

Speaker 1 (13:50):
Oh yeah, straight, ask me, did you kill your dog?

Speaker 2 (13:55):
How old? How old was your dog? Bro?

Speaker 7 (13:59):
He was eighteen?

Speaker 2 (14:01):
Oh my god, Well that's what kind of dog was that?

Speaker 17 (14:04):
That's a long time uh Chihuahua party tie and greyhound mixed.

Speaker 2 (14:12):
Wow, that's cool.

Speaker 5 (14:16):
Okay, So what do you need to know?

Speaker 2 (14:17):
Bro?

Speaker 5 (14:18):
What do you need to know?

Speaker 2 (14:18):
You need to know how to preserve what a plaque
for him or something? Uh?

Speaker 17 (14:24):
Not a plaque. I'm gonna have the I'm gonna meet
with the vet tomorrow to do cremation and all that.
But I want to take one of his heart and
I want to I've got a plan to take his
heart down to a taxidermis so freeze dry and preserve.

Speaker 1 (14:37):
It that way, right.

Speaker 17 (14:39):
And then I want to I want to find something
that I can coat it again.

Speaker 2 (14:44):
Okay, I got it. I got what you need and
I want you to take down the spelling of this.

Speaker 17 (14:50):
Okay, Okay, let me Uh him here and.

Speaker 2 (14:55):
And go to Amazon and put this in the search bar. Okay, hey, okay, okay,
d E CEO up a g E.

Speaker 17 (15:13):
D e n e o U p A g e okay.

Speaker 2 (15:16):
Right coding and put in dayco POJ coding in the
search bar at Amazon.

Speaker 5 (15:25):
Do you shop Amazon?

Speaker 1 (15:28):
Yes?

Speaker 2 (15:29):
Okay, that's what you want.

Speaker 6 (15:33):
Okay?

Speaker 17 (15:33):
Now is this water based or oil based?

Speaker 2 (15:36):
They have both? They they have both. What does it
matter to you? Yeah?

Speaker 17 (15:43):
Because uh texted themists they pull all the moisture out.
So apparently whatever I use the code, I don't want
to put moisture back into it.

Speaker 2 (15:53):
No, no, no, no, no, none of that. None of
that will put moisture in it. The sheer nature of
this is to seal moisture out. But whether okay, but
let me explain something. If the coating is water based,
it doesn't mean it lets water in. It just means
it's water based going on, and the same with oil.

(16:13):
So really that's what you want. Some people even use
varnish and finishes like that. It's up to you. But
you start on Amazon with decopage coatings.

Speaker 17 (16:27):
Okay, and then being it's an organ, now is there
a way too?

Speaker 2 (16:32):
Now? Wait a minute, it's already gonna be it's already
gonna be taxidermied, right, I mean, that's the point. You
can't take a raw organ and do this. But if
they're going to do their thing first, they may even
have a coating for you. They may even have one
as a taxidermist. Now they don't. They don't do that
to like animal heads and and what you call what

(16:56):
do they call it when you do that on a wall?
What do they call them? Trophies? Thank you very much,
Deputy d trophies. So they they don't do this on
Harry trophies and stuff. But on an organ base or
a flesh base, that's that they do a taxidermy thing on.
They may have already a coding and you may not
have to do it.

Speaker 5 (17:16):
Did you talk to a taxidermist.

Speaker 17 (17:19):
Yeah, no, I don't know if they have the stuff,
but they said they don't apply it themselves.

Speaker 5 (17:24):
Okay, I got it.

Speaker 2 (17:25):
Well, look, this is what you want, man, this is
exactly what you want. And I appreciate the call. And
my heart goes out to you. Losing a friend after
that long, man, they become a part of the family.
Holy crap. You know, the biggest thing I thank you
very much, as I said, for cos the biggest thing
I had to deal with. Oh, when I lost my horse.

(17:46):
I just can't even deal talking about it. But my god,
you know, horses theoretically you can have for thirty years.
My horse, of course, went early because of a stupid
freak thing he ingested and a stick in his hay.
But and that was partially my fault. Horse people might

(18:07):
call me an idiot, but what I did with my
horse was the one one farrier who does shoes on horses.
And I have a lot of horse people who listen,
I'll tell you this quick story. They said I was
an idiot because I ruined the horse. What they mean
by ruining the horse is when the horse was little,
I used to go out and play with it like
a freaking dog with a ball, and I used to

(18:28):
do head butts on the chest, on the on the
neck of the horse. And the horse was a little full,
and he would he would take his nose and butt
me and laugh and you know, not laugh but winnie.
And so as he got old there we played these games.
So he'd come up and head butt me and lift
me up off the ground. And he knew I don't know.
So I was stupid because that's a bad habit, right,

(18:50):
And then I would play nip games with him, the
dumbest thing you can do. So I'd take my pinchers,
you know, and I go and play with them like
you do a dog, you know, and I i'd pinch
at his neck or at his chest, and he'd get
silly and do that back to me with his lips,
you know, like a little nip, but not with his teeth.
It was stupid, okay. So I remember he'd get his

(19:13):
shoes done, the ferrier would be leaning over and he'd
turn around and nipath the gized. But he thought it
was funny because when I was cleaning his hoofs out,
hooking his hoofs they he would do that to me.
And this farrier says, I'm never coming back here again.
Your horse has absolutely no manners. I mean, that's true, right.
So anyway, the stupid story, the story I want to

(19:35):
tell you that's kind of sad, is I would take
his hay, and, wanting to be a good horse dad,
I would take out all the debris from the hay,
meaning the sticks and the weeds, and just give them
a beautiful flake of hay. Now, let me explain something
to you. Horses learn from a very young age to
do that.

Speaker 5 (19:54):
With their lips.

Speaker 2 (19:55):
So you see, they pick up some hay and then
they wiggle their lips back and forth and crap falls
out of the hay and they're left with pure hay.
Sometimes they even if they have water next to them.
We'll dunk the hay to get to get dust off it.
So because I did the debrising of whatever you call it,
taking away that stuff, my horse never learned how to

(20:18):
do that. He thought eating hay was just eating hay.
So I was going through a divorce many years ago,
and I put him in into a you know, I
had to have him sheltered for a while, temporarily boarded him,
and they just fed him hay like normal, and there

(20:39):
were some little sticks in there and he just ingested
it and it poked him in the intestines. You know.
The doctors tried through surgery. Littleton, large animal. He was
in surgery and they said it's too perforated. And I said, okay,
just put them deeper into sleep and let's call it good.
But here's the point I'm making. There are reasons people

(21:02):
treat horses like horses and dogs like dogs. But God,
we get to be so crazy about our animals, don't we,
And that story just you know, man, it was just heartbreaking.
But I kind of am kinda to blame for it.
And you got to learn sometimes that what you know,
that they're not dogs and all of that, and a

(21:23):
lot of the horse the priestpole were sympathetic to me,
but a couple of them, you know, made no bones
about me being a really bad horse dad and trying
to have a dog. I mean I literally would come
home from work and call him from the pasture. You'd
come running over. I kept the kitchen window open where
he could walk up. The pasture was fenced around the

(21:44):
house and he could walk up, put his head through
the kitchen window, and I keep carrots there. I mean
I was an idiot. Okay, obviously, yes.

Speaker 15 (21:53):
Hold on, But other than cleaning up his hay and
upgrading it, I don't understand what treating and we're training
and like a dog dog had anything to do with
his demise.

Speaker 2 (22:02):
We know how to do it. And then the other
thing was it wasn't good for people. I mean I'd
have literally people come to my house and we'd go
visit the horse and he'd head but him and he
thought he was playing and they go, whoa, you know,
they're scared. What I meant was as a horse, he
was ill mannered. I just meant it wasn't people didn't

(22:22):
expect that behavior from lad. He nip out a little kid,
not bite, but scary play with me and and and okay,
the same with my dog. I would let my dog
into play with him and they would they would play.
Oh my god, they would play like crazy when he
got older. But the freaking horse kind of thought he

(22:42):
was a dog kind of and he would stay that.
One guy said. One guy said, there was a cowboy
that came out to the house one time. That's when
we were saddle breaking him so because I would lean
on him like a sack of potatoes and I would
walk him around with weight on his back. And then
it came out. I remember the cowboys because we would
hire a cowboys sometimes to get the bucking out of

(23:05):
them and teach him how to how to be under saddle.
And this cowboy comes out and says to me, all right,
where's the horse we're going to break? And I said,
we're not going to break anything. What do you mean break?
I don't even like the word training. And so I said,
before you do that, could you do me a favor.
Put that little thing you have on. They had a
special little saddle they put on that was made of

(23:25):
cloth and it was not a regular big saddle, and
they would use that and they would get on it.
So I said, let me just experiment before you do
your breaking. And so I sat on him. He knew
it was me. He heard me. I start walking around,
and the guy said, well, okay, okay, let's just rain
them now, you know, teach them how to rain. But anyway,

(23:47):
I digress. But what the hell? Hey, this is this
is a show. We talk about everything. Hang on, mark
about that contractor we're trying to get a hold of Moses,
and then any of your calls at three O three
seven one three eight two go with a sure thing
Denver's Best Roofer Excel roofing dot com. You don't pay

(24:09):
a cent until you're content, wait time for an insurance
check up free, no obligation. In comparison, call Compass Insurance
paining too much your coverage at dozens of insurance companies
find out now three all three seven seven to one. Help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot Com to list your

(24:30):
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi, I'm Tom Martino. You're a troubleshooter
three O three seven on three eight two five five.
Rondad brought out the horse people.

Speaker 5 (24:47):
I think, Ronda, what's going on with you?

Speaker 6 (24:50):
Well?

Speaker 9 (24:50):
My horse is getting older and she's almost thirty and
she's a wow camp white paint, and I do you
not want to have or put in a landfill? I'm
wondering did you have your horse cremated or married?

Speaker 2 (25:08):
Or I had to cremated because it was impractical even
though I was on forty or fifty acres fifty acres it,
I didn't want to do that, so I had him cremated.

Speaker 5 (25:23):
And I think I advise that.

Speaker 2 (25:25):
To you, Ronda, and then you can keep the ashes
or you can sprinkle them over his favorite field or whatever. Great.

Speaker 9 (25:32):
Thank you, and by.

Speaker 2 (25:34):
The way, pre planned for that. You know, Ronda, you
don't have to wait. Now listen to me. I love horses, God,
I love them. They're soulful animals. They are what I
call the original. They're therapy animals for everyone. But here's
what I'm saying. I never had to do this. I
wish I did. I wish my horse lived long enough.

(25:55):
But planning. I know of some people who have planned
for But when they get old and they truly are
demised and they're not enjoying life, you can have a
little celebration and put them to sleep.

Speaker 5 (26:08):
It's so much.

Speaker 2 (26:09):
Better than risking them getting hurt or something. Again, you
never know when to do it, but a good vet
will tell you probably when. And I often thought, you know,
by the way, I have the card here for what's
called Pepper's Senior Dog Sanctuary. I think there is a

(26:30):
place somewhere if someone could have. And I know people
probably think I'm a nut. They've been listening to me
for a while, and I don't talk about animals a lot,
but I'm a nut.

Speaker 5 (26:40):
I mean, you know, I don't think they talk to
me or anything.

Speaker 2 (26:42):
But if someone could have an old horse sanctuary Ronda
where you could take your horse and it would be
pastured and cared for until it dies and basically you
pay first care, wouldn't.

Speaker 7 (26:54):
You do that?

Speaker 2 (26:57):
Yeah?

Speaker 9 (26:57):
I just don't want my horse to ever upper and
get bone. Some older well.

Speaker 2 (27:03):
And that was and I think if you had a
good sanctuary, if I had a lot of land, I
swear to God, I think I would do it where
people can take their horses. We make sure they're watered
and fed and not suffering, and then we call the
owners when we think it's time or when they die,
and we do the cremation. I mean, look, people might think,

(27:25):
are you crazy, but it would be such a wonderful thing.
And those old horses you could go out and talk
to and have fun with, and they would you know,
as as horses get older, all they want to do
is hang out in the pasture. You know.

Speaker 5 (27:38):
It wouldn't be like they need a lot of care.

Speaker 2 (27:40):
You wouldn't have to put them under saddle, you wouldn't
have to lunge them. You could just have some fun
just communicating with them and making them feel loved. I
think I think somewhere there's room for this. You know,
as I said, Pepper's Senior Dog Sanctuary, these people just
went they did the most beautiful sanctuary for pets that

(28:01):
that can that can die, a beauty you know, that
can live as long as they need to live, or
they put them down, and they do it in such
a loving way.

Speaker 5 (28:10):
It's one of the.

Speaker 9 (28:11):
Best septic animals.

Speaker 2 (28:14):
Yeah, oh, horses. You know, people that don't know horses.
One of the funny things is when this is the
worst thing I've ever heard. You've probably heard this, Randa,
that they all look alike. You know, they can't tell
one from another, and horses are so distinct. It's amazing.
But there is something when you are alone with a horse,

(28:35):
I can't you can't explain to people brushing and petting
and talking to a horse, what the hell is about
them that is so peaceful.

Speaker 5 (28:46):
I don't know what it is.

Speaker 2 (28:47):
It's almost like God made them to be peaceful animals
to help us. I mean, it's it's the most amazing thing,
the most amazing.

Speaker 5 (28:55):
Don't you don't you find that?

Speaker 2 (28:57):
And Ronda one thing also, I went out to a
barn in Beverly Hills where there's hatsi, tazzi horses, and
you know, there's all these signs, do not touch, do
not do this, do not do that. And one time
I had a woman out there who said, this is
a big stallion. He you know, be careful around King James,
and I went up to him and I blew in
his nostril and he looks at me, and then I

(29:17):
start making noises and rubbing his nose, and she goes, oh,
my goodness, I didn't know what The reason they don't
know is because they treat him like there's some foreign
you know, some foreign animals, some alien, and all they
wants attention. Then all the other horses started hoofing the
door because they wanted me to come over and talk
to them. And these signs about big bad stallions. I mean,

(29:40):
it's just amazing to me. I think when you find
a horse that is not social or is mean, that's
a reflection on the owner, don't you think. I don't
think there's any horse in the world that's naturally mean.

Speaker 9 (29:55):
So door neglected, you will get a mean horse.

Speaker 2 (29:59):
Yeah. So anyway, thank you for calling Randa three O
three seven one three eight two five five Go with
a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're contenta time for

(30:21):
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 one help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi, I'm Tom Martine, your troubleshooter man.

(30:53):
I think I turned this into horse talk, but anyway, Brad,
you have a comment about horses. Go ahead, sir, thank Tom.

Speaker 18 (31:00):
A little more than horses. I'd like to talk about
the disconnection between humans and equine, not just horses, but
donkeys as well.

Speaker 2 (31:07):
Okay, go ahead.

Speaker 19 (31:08):
Book written.

Speaker 18 (31:09):
There was a book written called Running with Sermon and
we just happened to have the have the joy of
being in the book. My son Benjamin has epilepsy. And
Christopher McDougal, who wrote the book Born to Run about
barefoot running and his next book was a Natural Born
Heroes about the body fashion, wrote about mental health and
the disconnect between humans and animals and how we have

(31:31):
disconnected our cells from it. I suggest people grab the book,
read it. It's a New York Times number one bestseller.
The book has already been sold to Netflix for movie Rights.
It's a pretty cool book.

Speaker 2 (31:43):
Are can you sum it a brad? Can you sum
it up for me?

Speaker 5 (31:45):
Like, what's the main gist of the book.

Speaker 18 (31:48):
Well, we need these animals in our lives and whether
you have special needs, or you're or you're you're suffering
from depression, or you just you just need that connection.
It's almost like grounding. And these animals are super important.
So if you ever can volunteer at a sanctuary like
we have we own redonkeyus ranch dot com. We have
a five o' one c three where we rescue donkeys

(32:08):
all over the state. So if you can get to
a ranch or places like that, it is great for
people to lay their hands. You were talking about coming
and brushing and you couldn't explain it. That's what made
me call in because there is science to it, there
is grounding to it, and these animals connect us to
earth and we need to be touching, working with them
and making them have a purpose driven life so that

(32:30):
we can have a purpose driven life.

Speaker 2 (32:33):
Wow. Yeah, and a purpose driven life was another book
all onto itself, But you know what, you're right, there
is something about connecting, and not just to animals, but
to the earth. Itself. I mean, and I'm not talking
about tree hugging. I'm talking about like we've gotten away
from a lot of the outside wonderful activities, you know,

(32:54):
without artificial means, without you know, like just enjoying water,
sand and dirt, hiking and nature. And then also they
are kids. You know, they're all on electric bikes and
they're all on you know, there's just not they're not connected.
And animals. Animals are the number I believe the number

(33:17):
one thing you can do to your children. Do for
your children that would they gives them a sense of nurturing.
It keeps them from being selfish, and it really helps
them incredibly and it helps them to be grounded or
not just dogs, but at pets in general. Thank you
Brad for calling al an issue with plumbing will take next.

(33:41):
We also have Brad O'Brien. I have a few texts
already for him on real estate issues. So stick around
on the Troubleshooter Show, I'm Tom Martino. Go with a
sure thing Denver's Best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Leave time for

(34:05):
an insurance check up free, no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance companies.
Find out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 3 (34:30):
Rip news needed.

Speaker 2 (34:34):
That's who you don't have.

Speaker 4 (34:38):
Come run in as fast as you can.

Speaker 3 (34:41):
Shooter's gonna help.

Speaker 4 (34:43):
Come man, this is the Troubleshooter Show. Now Tom Martino.

Speaker 2 (34:49):
Hey, I'm Tom Martino. Welcome to the show. Three oh
three seven one three talk seven one three eight two
five five. I have Brad O'Brien with me from Brian
Legal Service as a real estate attorney, and I have
one text here and it's from a landlord who says,
I know that there are a lot of restrictions and

(35:10):
requirements and regulations when you have a lease that's one
year or more. Is it true that some landlords are
picking a term just shy of a year to get
around that. Brad O'Brien, you.

Speaker 12 (35:23):
Know that's that's good advice that came down in the
last year. August last year the law, the landlord tenant
laws and Collorwood had changed so that if a tenant's
been in residency for a year or longer, all of
a sudden, these these rights kick in the right to
get a renewal of their least when.

Speaker 2 (35:41):
The least, Like you have to have a just cause
not to renew it.

Speaker 12 (35:44):
Yeah, landlord cannot non renew somebody unless they have one
of these very few specific reasons like want to sell,
want to renovate, want to you know.

Speaker 5 (35:52):
But it has to be very specific.

Speaker 2 (35:53):
Otherwise, when you have one year lease, you have a
lease for as long as you have a lease.

Speaker 12 (35:59):
Right, So the new advice is to on the very
first year of a tenants lease, don't write it for
a full twelve months because on that last day of
the year all these rice kick in. So, right, an
eleven monthly or eleven and a half month lease.

Speaker 2 (36:12):
That's pretty good advice. Have you been doing that? Yeah? Okay,
Brad O'Brien. So that's the quick answer. We'll go back
to that too. I want to get to some of
my calls here. Al has been waiting with an issue
on plumbing. Al, talk to me.

Speaker 1 (36:27):
Him. Thanks for sing, Thank Jam, I need some advice.
I need some advice or a referral. I've replaced seen
some floor tile and I guess bad. And I pulled
up the old floor tile and I've got some mold.
And it looks like it appears to be dry at
this point, but it it's right at the inlet to

(36:52):
the toilet. Yeah, and I did get I did get
an estrument, you know, to take care of it.

Speaker 2 (36:59):
And now what do you mean to take care of
what is taking what is taking care of? It?

Speaker 1 (37:03):
Mean treating the treating the mold so I can finish
the job.

Speaker 2 (37:09):
Okay, let me explain something out before we.

Speaker 7 (37:11):
Go on mold.

Speaker 2 (37:13):
Okay, mold only exists if it's fed. And before you
cover up or kill mold, which is a good idea,
you also have to stop the source. So you said
it was dry, So where do you think the water
came from? If it is now dry.

Speaker 1 (37:37):
Well, I suspect that at one time it must have
been leaking. And this house is about thirty years old. Okay, okay,
n leaking and it's been dried and there's been tile
over it. Got it, And now I'm not I'm one
hundred percent sure of that. But that's my.

Speaker 2 (37:57):
Okay, here's what I would do before before you kill
and cover. You want to look for sources that feed mold.
And one of the things you want to look at
is the wax ring. That is the number one place
toilets fail and seep. Do you know what the wax
ring is. It's where the drain is and where the

(38:19):
toilet is seated.

Speaker 5 (38:20):
Then you said the supply line.

Speaker 2 (38:22):
The supply line that's usually easier to find because it's
elevated and it's not hidden. And right now, visibly it
looks pretty damn clean and you don't see mineral build
up around the turning knobs or the connections. Is that correct?

Speaker 1 (38:40):
That's correct?

Speaker 5 (38:41):
That's okay.

Speaker 2 (38:42):
So once I get a plumber to verify that the
toilet is sealed and safe and not leaking, then you
go ahead, kill and cover. That's what you do with mold,
kill and cover. You don't have to cut out, You
don't have to do any of that. People go crazy

(39:03):
over mold and do more than they have to. The
only time you want to tear out and put in
a new stud or a new part of the wall
is if it's saturated your subfloor. What condition is it
in under that mold, you know.

Speaker 1 (39:23):
So I haven't pulled up the stool yet because, like
you said, it could ben from like the wax ring.
But it appears from the water inlet.

Speaker 2 (39:32):
But why do you say that. Why do you say
it appears? Why do you say it appears to be
the water inlet? What makes you think that? What do
you mean by it appears to be?

Speaker 1 (39:45):
Well, the mold is around that inlet, underneath that, But.

Speaker 2 (39:52):
Isn't the inlet. Isn't the inlet up? Isn't the inlet
up off the floor?

Speaker 1 (39:58):
It is, it is, But the mold is directly below
that on the sub floor.

Speaker 2 (40:03):
I got it, I got it, I got it. Okay,
all right, so okay, what do you need advice on
right now? What you want to do is check the
subfloor and you got You have to check the moisture
content and the pliability. If it's too pliable and warping
or soft, you want to cut it out and change it. Yeah.

Speaker 1 (40:26):
So, my I guess my question is is that I'm
assuming I can do this myself, right, I don't necessarily
need a specialistic coming like you've read.

Speaker 2 (40:37):
That's right.

Speaker 5 (40:37):
If you know what you're doing, the mold can be scrap.

Speaker 2 (40:40):
What you do is scrape visibly, scrape what you can, okay,
vacuum it up and then wear face mask and all that,
and then you put kills on it or a similar
product or chlorox, and then you seal it.

Speaker 1 (40:56):
And and what do you seal it with?

Speaker 2 (40:59):
Typically okay, what you seal it with? Our floor? This
sounds crazy? You seal it with floor sealers.

Speaker 1 (41:09):
Oh okay, okay, okay, I.

Speaker 2 (41:11):
Mean there are floor seilers literally and and and they
make really really good ones.

Speaker 1 (41:19):
Gotcha, gotcha? Okay? Well then and that answered my question
because I you know, I had read different stuff online
that you should have a professional do this, and other
people are you know.

Speaker 2 (41:29):
Listen, you're saying there are there are rare cases where
toxic mold has really really spread and is also being
fed spread and fed or fed and spread.

Speaker 5 (41:44):
And it's more than a homeowner can do.

Speaker 2 (41:48):
But al, I promise you we're making too much of
the mold issue. Mold has been with us for years.
I'm not telling you you should live in it or
not care about it. What I'm say saying is mold
has been with us forever. In fact, if we took
mold sports studies in our grandparents' homes. We'd probably drop

(42:09):
dead from it just reading the results.

Speaker 5 (42:12):
And you know that's just the way it is.

Speaker 2 (42:15):
Mold is a part of life. What you want to
do is have as little you want good circulation in
your home, good air circulation and air exchange is something
that we used to seal up. We don't want to
do that. And then what we want is we want
to eradicate of course, mold and where it's being fed,

(42:35):
and then it goes away when you kill it. So, yes,
you've read the dire cases and there are some that
require specialists. In fact genesistotalexteriors dot com. This is a
shameless plug for a great sponsor I have. They do

(42:56):
mold detection and remediation, and they floor coverings and they
do everything. They do bathrooms, they do baths, they do basements,
they do exterior. So if you called Mark, he would
answer your questions or he may send someone out. Let
me just give you that just in case you want
an expert to talk to, because these guys are honest,

(43:18):
they don't exaggerate the danger and they know what they're doing.
Genesis Total Exteriors dot com. So they do all the exterior,
but they also do mold detection and remediation. Here's the
phone number if you need to call someone after this.
Call three oh three six seven nine eight five zero nine.

(43:45):
Did you get that six seven nine eight five zero nine.

Speaker 1 (43:50):
YEP, I got it.

Speaker 2 (43:51):
I got all right.

Speaker 20 (43:52):
Man.

Speaker 2 (43:52):
You should have no problems, but feel free. Did you
have any other questions?

Speaker 1 (43:58):
No, that's it. Thank you very much.

Speaker 2 (44:00):
All right, al, thank you for going. I appreciated three
oh three seven one, three eight.

Speaker 5 (44:03):
Two five five. We have more coming up.

Speaker 2 (44:05):
Candace wants to talk about an issue with a septic
and plumbing, and then Deputy Dimitri has an update on
Moses and that Pole barn garage. Right after this, 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

(44:29):
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three, seven to seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Archie three

(45:00):
or three seven one three talk seven one three eight
two five five Candice, what is going on with your
septic plumbing issue?

Speaker 5 (45:08):
What's going on?

Speaker 17 (45:10):
Hi?

Speaker 21 (45:10):
Tom?

Speaker 1 (45:11):
Thanks?

Speaker 22 (45:11):
Hey, thanks for taking my call.

Speaker 2 (45:13):
Yes, what's happening?

Speaker 9 (45:14):
Right?

Speaker 22 (45:15):
So I hired a company. Originally they were coming out
and they were just supposed to do a fix on
what's called the D boxes on my septic And when
he came to do that work, he told me.

Speaker 2 (45:27):
What are the d What are the d what are
the D boxes? There?

Speaker 22 (45:33):
It's a part that comes off of the septic tank.
It's like where the fluid goes through to get into
the leach field.

Speaker 2 (45:41):
Okay, and that that's usually I thought that was like
a septic tank where the water flows, the solids go
to the bottom and then the upper part goes out
to the leech field. Yes, yep.

Speaker 22 (45:52):
And so it's the part that it goes through to
get to the leech field. And so utily, he had
just said that a couple of those needed to be replaced,
so I hired you that. Then when he got here,
he said that my leech field was completely saturated, and
I actually just needed to move it.

Speaker 2 (46:08):
Now. Sometimes leech fields do become saturated, but usually there's
a reason for that, and you can fix it without
moving it. Sometimes it's more economical to go, you know,
scrape another piece of field, put some rock in, and
do a new leach field. Did he give you any

(46:29):
idea as to why the leechfield is saturated?

Speaker 22 (46:35):
He just said that it hadn't been installed correctly when
it was originally put in.

Speaker 2 (46:39):
But that's possible.

Speaker 22 (46:41):
Yeah, So I hired him to move it. He told
me it would be a five to six day project.

Speaker 2 (46:49):
And by the way, it's really it's really not that
much of a major project.

Speaker 5 (46:55):
How much were you charged for that?

Speaker 22 (46:58):
His original quote was four thirty four thousand dollars.

Speaker 2 (47:02):
Oh no, no, no, no, no no, are you on
rock or something? Well, and this was I got.

Speaker 22 (47:09):
I got quotes from multiple people, and I ended up
going with him because he is kind of who I.

Speaker 9 (47:15):
Had started with.

Speaker 22 (47:18):
Everybody's quotes were pretty similar. They were all kind of
in that.

Speaker 2 (47:21):
Then there must be something. There must be something with
your system that I'm not seeing because a normal lease
flip field. Okay, if you did some shopping, then then
I trusted, So then what then? What what happened?

Speaker 22 (47:37):
So what happened is he told me it would be
a five to six day project and he got hired
at the end of April, and it's still not done.
He tore up a lot of damage to my property
that we had talked about that he said wouldn't be damaged,
that his guys would take care of. He was supposed
to also fix the irrigation system that they cut through.

(47:58):
That was all part of the agreement and all in writing.

Speaker 2 (48:01):
So wait a minute, So right now, right now, what
percent is done?

Speaker 6 (48:06):
Well?

Speaker 22 (48:06):
I had another company come out and take a look
at it, and thirty percent is done.

Speaker 2 (48:10):
Okay, And you didn't pay up front. You didn't pay
up front, Candae, You didn't pay up front?

Speaker 5 (48:17):
Did you?

Speaker 22 (48:18):
For all for the materials I did?

Speaker 5 (48:21):
How much was that?

Speaker 22 (48:23):
How much was that for materials? He's been paid sixteen thousand,
two hundred and fifty dollars.

Speaker 2 (48:30):
Okay, So you're not it doesn't sound like you are
behind the eight ball at this point.

Speaker 22 (48:36):
Well, he didn't bring all the materials. He's not being
responsive at this point. He's completely abandoned the job. He
had his equipment stored in my backyard for three months
while he was dragging all of this out. And that
was part of the problem too. He kept blaming it
on the sandpit, right, it was a sandpit. Sqaultity.

Speaker 2 (48:55):
Yeah. But what I'm saying is, here's what I'm saying.
If you paid sixteen grand, do you have sixteen grand
and thirty percent of the jobs done and you got
all the materials?

Speaker 15 (49:08):
I don't.

Speaker 22 (49:09):
I don't have the material It never brought the material. No.

Speaker 2 (49:14):
No.

Speaker 22 (49:14):
And it's going to cost because all of the damage
that he did, and he didn't do things correctly that
he was supposed to be doing, so it's going to
actually cost even more now to fix the situation.

Speaker 2 (49:26):
How much will it cost from this point forward to
fix and replace and to finish the job from this point.

Speaker 22 (49:33):
Forward, probably around forty thousand dollars, So.

Speaker 2 (49:40):
You are hold on, So really hold on. So forty thousand,
which means that you are six plus sixteen, you're like
around twenty thousand dollars over budget. Yeah, damn it.

Speaker 22 (49:58):
And that's not including some of the damages that he's caused.

Speaker 2 (50:02):
And does he have any substance? I mean, look at
when you people hire guys and you don't look into them.
Does he have any substance, does he have anything to
go after? Does he have the money to pay you?

Speaker 22 (50:15):
Well, he's done some big jobs and that was originally
why I had high.

Speaker 2 (50:19):
But it doesn't matter. They live hand to mouth. You
need companies of substance. Listen, this is why people hire
companies that have substance. They pay a little more upfront,
but they have substance. I once gave an example years
ago of they're now fix it, but they were another

(50:42):
company back then. George had this company and they were
doing something at a church that they mistakingly put holes
for the ductwork in the wrong place. They were installing
a heating system and the church's hardwood floors were all
cut up, but the ducks were in the wrong place.

(51:02):
George went in and completely replace all of the floors
and then recut the duct work. Here, the point I'm
making is you need people of substance. It's terrible to say,
but you can't deal with people who don't have substance.
He doesn't have the substance to pay you. And Candace,

(51:24):
no matter how much we talk, it's not going to
make it better. You're gonna have to foot the forty
grand you pick the wrong guy? Yeah, yeah, I mean what.

Speaker 5 (51:34):
Let me ask you something though, because I.

Speaker 2 (51:36):
Don't want to. I don't want to just let I'm
sorry for walking on you. I don't want to just
send you off on your way saying so sad, too bad,
you hired the wrong guy. What were you hoping? We
would say, I'm curious more than anything, were you hoping?
Because we don't mind calling this guy, We don't mind

(51:58):
getting involved. But if he has no substance, there's no
way this guy can afford to pay you, even if
you got a judgment.

Speaker 22 (52:06):
Apparently he's got I mean, he has a bunch of equipment,
So he has equipment, he has property, he.

Speaker 2 (52:11):
Has Okay, are you do you want to do it?
Do you want to do a lawsuit? Because that's what
you're going to have to do, and then go for
attorney sees and then do a rid of execution which
would which would take his equipment or anything of value
that he has in his name. What let me ask
you something? You never told me the company? Who is it?

Speaker 22 (52:33):
And the company's name is J and J Construction.

Speaker 2 (52:35):
Concepts, Jay and J Construction Concepts. Well, we can take
a look I mean, here's the deal. You know, either
he has the money or he doesn't. You're thinking there's
gold at the end of the rainbow that you will
get paid by him if you sue him and get
a judgment.

Speaker 22 (52:56):
I really don't know.

Speaker 5 (52:58):
Yeah, we can look into it.

Speaker 22 (53:00):
Not the only I'm not the only person that's had
this issue. I had posted in some groups locally to
kind of warn people, and I've had multiple people reaching.

Speaker 1 (53:08):
Out about it.

Speaker 2 (53:09):
Uh oh uh oh, here's what we need to do.

Speaker 22 (53:14):
We have big companies for like the city, and apparently
he recently gained some money as well, so there's definitely
some funds there.

Speaker 2 (53:25):
Well, then you're going to have to strike, you're going
to have to do a lawsuit, and you need a
construction defect attorney. I mean, really, you do you have
any suggestions? Yeah, we do, Okay, Deputy d give her
some suggestions. Tom.

Speaker 15 (53:41):
I've had really success working with an attorney out in
Parker called Neil Hollington, and that's all he does is
construction related stuff. His firm's name is Hollington Law Firm
and the phone number is three zero three two seven
six two six four to seven. And please let him
know that Tom Martino Show referred you to it.

Speaker 2 (54:03):
Now, I want to know did you get that there?
Did you get that?

Speaker 13 (54:07):
Yes?

Speaker 23 (54:10):
Seven?

Speaker 15 (54:11):
Yeah, and his name is Neil Neilllington.

Speaker 2 (54:15):
I think I think you're going to have to go
that route and listen. You know, it's hard to know
what company has substance and what company doesn't. When you
do a big job, you're simply going to have to ask,
and you're going to have to do some checking, even

(54:35):
credit checks. Yeah, you know they do credit checks on you. You
can do credit checks on them. It's really really difficult.
But you have to deal with people that have insurance.
Cantas if he has insurance. But the guy's not even
answering you. So what we'll do before you call the
attorney is we will have someone call him who's on

(54:59):
duty to day Kachina, Who do we have I already
gave da problem. Who do we have on on? Which
would be awesome for this, Yes, let's have Deputy Bo
call the guy to get his side of the story
and to do some see if we can light a
fire there. I don't know, she doesn't probably want him back,

(55:19):
but let's start with Bo. Yeah, that's what we'll do.
Three O three seven one three talk seven one three
eight two five five. Frank Durand the real estate Man
does free market valuations on your home for the asking
you call him.

Speaker 5 (55:34):
There's no obligation.

Speaker 2 (55:36):
He'll compare your house to comps like yours, neighborhoods like yours,
supply and demand, interest rates, and everything else to give
you a price of what he thinks your house will
sell for. That's all free, it's it's accurate, it's and
it's also detailed. Frank Duran the real Estateman dot com.

(56:02):
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(56:24):
when you choose Frank Durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi, I'm Tom Martino,
your troubleshooter three O three seven one three A two
five five let's go back to the phones. Well, actually

(56:47):
back to the case. We do have lines open at
this time three oh three, seven to one three talk
of course here locally all the time, or three oh
three Martino twenty four to seven, three oh three sixty two,
seven eight four sixty six. And uh, I want to
remind you that fix at twenty four to seven it's
doing free second opinions. Here's why I say this. Somebody
had an estimate for a drain and I'm not going

(57:09):
to give the company, but it was one of them
ones with Ruter in the name, and not anyone on
our referral list either. But anyway, fix It went out
and could fix the problem for half with their drain division.
So whether it's plumbing, heating, cooling, electric or drains, fix
it twenty four to seven means it they really do

(57:30):
a great job. Now, I'm not going to tell you
they're going to be cheap all the time. I'm going
to tell you you'll get a free second opinion and
that never hurts to be wise. So that's fix my
Home dot Com seven to zero five six thirty nine,
thirty nine. Okay, So, Deputy d we have Moses and

(57:51):
I'll explain the problem. Moses used to be on a
referral list Kingdom, he calls it Kingdom first Construction, and
he what he did was he was going to build
a pole barn garage started December second. He was paid
thirty four grand and according to other contractors, the customer

(58:17):
only got ten grand value and he walked off the job.

Speaker 5 (58:22):
What is going on with Moses?

Speaker 15 (58:25):
Tom Moses returned to my call about twenty minutes ago,
and we had a really great conversation about this. So
Moses seems to you know, he really seemed like he
was he welcomed the opportunity to kind of kind of
address this issue afresh. And what we decided Moses is
going to do is call or call her Mark and

(58:47):
discussed with Mark a couple of things. One is how
much work has Mark already done that Moses should have done,
and Mark will get a refund for that work.

Speaker 2 (58:57):
And then the second thing is what about the Okay,
so let's just say there's ten thousand dollars worth of
work done, and let's say that that Moses did. Let's
say Moses did ten grand and he paid thirty four
is Moses in a position to refund twenty four grand.

Speaker 15 (59:17):
No, not the entire twenty four thousand, but he does
sound like he's in a position to make a partial refund.
And here's the second part, the second important part of
what we discussed, the potential resolution. He's in the position
to finish the job, and he kind of welcomes the
opportunity to return to the job site, okay, and finish
the job. So what we decided, So here's where we

(59:38):
left at. Tom, He's going to call Mark, who sounded
like a normal, reasonable, friendly guy. Doesn't sound like there's
a lot of bad blood between these two guys. And
he's going to get together with Mark and they're going
to really, you know, come to an agreement. Here's how
much of a refund Mark is due for Moses, and
here's how much more work Moses needs to do for

(59:59):
the amount he got paid minus the refund, you know
what I mean. So I think this is well in
its way to a resolution.

Speaker 2 (01:00:07):
That's wonderful.

Speaker 14 (01:00:08):
And and Moses sounds like a very reasonable.

Speaker 2 (01:00:10):
Very nice Listen, he's a really good guy. You know.
It's sometimes and Mark Major, who's also with us today.
Mark will tell you that we have sometimes really good
guys that get upside down, and I don't know where
it starts. Mark, I don't know. Do you have any
ideas where does this start? If we look back at all,

(01:00:33):
not the bad people, not the rip boffs, but good
people that get upside down in business? I think it's
where they start cole mingling fund funds between jobs, don't
you think, Mark? Is it?

Speaker 7 (01:00:45):
Mark?

Speaker 2 (01:00:46):
There?

Speaker 24 (01:00:46):
Yeah, for the most part, I'd agree with you. I mean,
we've had some, you know, some pretty bad ones where
it collapsed quick, but in general, I don't know. I
didn't get to hear the call with Moses, but he's
done work at our house and I had an issue
maybe three or four months later, and man, he was
out the next day and fixed it. I just never

(01:01:09):
experienced any issue with him.

Speaker 2 (01:01:11):
Yeah, And you know, I think his heart's in the
right place. I think what happened, whatever happened, he says
he's going to make it right. So the jury's out
on this one, and we'll leave it that way. Now.
I think people, what you need to do is never
pay ahead at that time. I mean, how many times,
how many times has this lesson been driven home? Do

(01:01:35):
not pay, Do not pay ahead of time, Do not
pay ahead of schedule, pay as you go, pay as
you go. Brad O'Brien, have you heard of the new loans?
By the way, has anyone heard about this? The new
loans called where is it? It's the non QM loan.

(01:02:00):
It's basically a non qualifying mortgage. They call it mark
Have you heard about them? It's for non conventional borrowers
like retirees, real estate investors, self employed borrows were hot
borrowers with high debt to income ratio, and borrowers with
blemishes on past history. But people who have put it together.

(01:02:23):
What they're saying is there needs to be a product
for people who don't conventionally qualify.

Speaker 5 (01:02:31):
If you've heard of.

Speaker 12 (01:02:31):
It, not specific not specifically, but non conventional loans or
portfolio loans have existed forever.

Speaker 2 (01:02:38):
Yeah. And what they're doing, though, is they're making an
emphasis on these. What they do is they and what
they do is they go by They go by bank statements.
So if you're willing to give a year of bank statements,
many of them will qualify you only on bank statements.

(01:02:59):
Others do cash flow, so if you're using the mortgage
for a rental, they isolate everything to the rental. What's
the rental bringing in, what are the expenses? And will
you be able to make the payment? And you can
qualify totally on simply the investment property.

Speaker 24 (01:03:19):
Yeah yeah, but the interest in what you pay is
going to be higher. What's the difference between that and
a buy here, pay now for a piece of crab car?
I mean, okay, get a loan. The bottom line is
you can go to Tony in downtown and get a
loan if you want a loan.

Speaker 2 (01:03:33):
But Mark, I've done one of these because I'm doing
a lot of these houses with Vestera turnkey. I didn't
want to go through all the hassles, and I've done both.
I've done the bank statement loan and I think I
paid a quarter percent more quarter one quarter percent more,
and the same with the investment property loan. And then

(01:03:57):
there are loans.

Speaker 5 (01:04:01):
Listen to this.

Speaker 2 (01:04:02):
They even have a loans for people and I'm not
going to get into the merits without social Security numbers,
so I'm not even going to get into that. But
they have their doing loans.

Speaker 24 (01:04:14):
Then there are ten I'm curious, I'm one of these
house deals. My understanding is, you know a lot of
people can't afford to go out and buy a full
house that is an investment property and wait for it
to go up with Barrier Vesta or with WIT. So
you get about ten different people or however not four,
whatever it is.

Speaker 2 (01:04:33):
Yeah, it doesn't matter. I don't care if you go Aheadah, no, no, four,
go ahead? Okay. So you get four people to go in.

Speaker 24 (01:04:40):
I'm just curious why and then you basically buy it
and they own parts of the LLC.

Speaker 2 (01:04:46):
I understand the whole strutch.

Speaker 24 (01:04:47):
What I don't get is why wouldn't you go in
buy it with the CMG all in one and then
turn around. Let's say the house is a half a
million bucks. Then you turn around, you just paid a
half a million in CA because you can do that,
and then if you want access to that cash, you
have access to four hundred and twenty thousand.

Speaker 2 (01:05:06):
Idea day one. That's a good idea. It's a really
good idea. So I haven't looked at that option, but
that's a great idea.

Speaker 24 (01:05:15):
Because you really aren't putting up the cash then, and.

Speaker 2 (01:05:17):
Then if you don't need tons, don't have a payment. No,
you know, that's why there's as they say, wisdom and
much Council people look at things and come up with
different ideas. D you you're poised there you want to
say something.

Speaker 15 (01:05:28):
That well, you know, Tom, I'm having trouble wrapping my
brain about what you just said about the so called
bank statement loan.

Speaker 2 (01:05:35):
Yeah, so is it?

Speaker 14 (01:05:37):
Does it work like this?

Speaker 15 (01:05:38):
I show up with a binder with twelve months worth
of my checking account statements.

Speaker 24 (01:05:42):
No, they get it. D they verify it. If that's
your course, what.

Speaker 14 (01:05:45):
Do they verify that?

Speaker 5 (01:05:46):
Those are redral statements.

Speaker 24 (01:05:48):
So, more than anything, your deposits and your withdraws each.

Speaker 5 (01:05:52):
Exactly what your flow is.

Speaker 14 (01:05:54):
Well, what are they looking for in these bad ideas?

Speaker 5 (01:05:57):
Idea?

Speaker 24 (01:05:58):
The money they're looking for? The ability do you repay
the loan?

Speaker 2 (01:06:02):
Oh says some lenders provide non qualifying loans to those
only by reviewing bank statements. By the way, we have
some local lenders today. This often requires twelve months of
past bank statements which are verified. Lenders offer loan options
with as little as two months for sustatement. Look at it.

(01:06:23):
I don't know how that works, but I personally don't know.
But I don't have to know a lot of them.
Your credit report and your text renowns not in these loans, Nope,
and a lot of them also based upon credit card receipts.

Speaker 24 (01:06:36):
If you have a company that's taken fifty grand a
month in credit card payments from your clients or from
your customers, they look at that income purely on the
credit card receipts and once again, whatever you're spending and
your ability to repay.

Speaker 2 (01:06:51):
Look, it's amazing to me, but more and more non
conventional loans are being done, and people are saying, look,
I want to invest. I'm retired. On paper, I don't
make money, but I'm not. You know, I haven't defaulted
on anything. I'm pretty good. Anyway. We got to take
this break. I'm Tom Martino. Go with a sure thing

(01:07:13):
Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank

(01:07:34):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey, I'm Tom Martino. Let's go to Brian. Brian,
what's going on with you?

Speaker 5 (01:07:48):
How can we help you?

Speaker 2 (01:07:49):
Sir?

Speaker 16 (01:07:50):
Hey Tom, I'm not sure if you know a magic
solution for this or not, but you know the overflow
drain in your Saints, Yes, there's no way to clean
it correctly. I mean all kinds of build up goes
in there, and I've had a lot of bugs start
floating through it.

Speaker 2 (01:08:07):
And you know what, you're you're you know what. I've
gotten this question before many of those overdrains. What happens
is the the shell of the sink is like hollowed
out and it goes in there and then it goes
to the low part and drains into the main drain.
But you're right, there is You're You're absolutely right. There

(01:08:27):
is no way to clean it. I swear to you.
And I think the theory behind that is you don't
use it that much so it shouldn't get clogged. I
don't know now, is yours the kind of sink where
it's there's a little slits As you're looking at the sink,
it's on your side, not on the fastest side or
it could be on the fosterest side, but it's a

(01:08:47):
little slit at the top of the sink.

Speaker 16 (01:08:51):
Yeah, and actually could like a half inch hold.

Speaker 2 (01:08:54):
Yeah, and and it goes into the sink shell and
to the bottom right right. I wish someone I mean,
I don't know how to do it. I swear to
you this has come up before.

Speaker 16 (01:09:08):
It's like a brush or something that could get in there.

Speaker 2 (01:09:10):
Yeah. But if you get in there, what the problem is?

Speaker 14 (01:09:14):
Yeah, if it was.

Speaker 2 (01:09:15):
Just a tube, but some of them are more than
a tube. They're just they're a channel. They're a channel.
Let me, let me see if I can come up
with something, if somebody can call in if they've come
up with a solution on that. I'm Tom Martino three
three seven one three talk seven one three eight two
five five go with a sure thing Denver's Best roofer

(01:09:39):
Excel roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass insurance paying too much your coverage
at dozens of insurance companies find out now three oh
three seven to seven to one help. You'll think you're
his only customer. When you choose Frank to and the

(01:10:00):
real estate man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty
two ripped up.

Speaker 1 (01:10:14):
News needed.

Speaker 2 (01:10:16):
That's so you.

Speaker 16 (01:10:17):
Don't have.

Speaker 10 (01:10:19):
Come running.

Speaker 4 (01:10:20):
Just as fast as we can.

Speaker 3 (01:10:22):
Show Shooter's gonna help come Man.

Speaker 4 (01:10:26):
Six is the Troubleshooter Show. No Tom Martino.

Speaker 2 (01:10:33):
Hello, I Tom Martino, You're a troubleshooter. Welcome to the show.
Three oh three seven one three talk is our iheard number,
or you can call the Martino number twenty four seven
three oh three Martino three O three six two seven
eight four sixty six. Okay, So we had a caller
who called in and said, look, I know you can
use drain cleaners and draino and snakes to clean out

(01:10:53):
your sink drains, but how do you clean out the
sink overflow that little hole on the top of your
sink that drains down around your sink, sometimes in a
channel or in a tube to your main drain. Jay
has a comment, Jay, what is your comment on that one?
We got a lot of feedback on that. Go ahead, sir,

(01:11:15):
hey Tom, Yes.

Speaker 7 (01:11:17):
Thing you do is you go get a little sippet
which is about a two foot piece of plastic with
barbs on it for cleaning drains drains. Yes, you run
that down the overflow as much as you can. And
when you've done a pretty good job with that, you
got to take the drain tail piece out of the
sink and you'll find that things all full of do

(01:11:37):
and nastiness, and the sinks full of you and nastiness.

Speaker 2 (01:11:40):
Where So that drain, that drain goes from the top
of the sink. Does it go through a channel, does
it go through a tube? Does it go through the
shell of the sink? How does it work?

Speaker 7 (01:11:54):
It's double walled and it goes down under the stopper
into the drain tailpiece and it gets plugged up real bad.
The sink does, and the tail piece does. Tail piece, So.

Speaker 2 (01:12:07):
Can you clean it from the bottom up?

Speaker 7 (01:12:11):
You got to take the tail piece out, which is
where your stopper is. That piece it goes through the
sink down into your pea draft is tailpiece.

Speaker 2 (01:12:21):
Yeah yeah yeah on the bottom yeah.

Speaker 7 (01:12:24):
Out, put a bucket underneath. You're going to see more
nasty growth stuff.

Speaker 8 (01:12:28):
Then you run in your zip strip through the.

Speaker 7 (01:12:30):
Top of the overflow and you're cleaning out all around
the inside of the skin.

Speaker 2 (01:12:35):
Have you done it before, Jay, A thousand times?

Speaker 7 (01:12:38):
It's very common.

Speaker 5 (01:12:41):
Okay.

Speaker 2 (01:12:42):
So he's saying, that pipe, that pipes that connected to
the drain, you take that off and then you literally
will expose that with the outlet of that channel and
you can put that zip strip through it from the
top down to the bottom. Can't you do it from
the top down to the bottom without removing the tailpipe?

Speaker 7 (01:13:03):
You can, but you're not going to get it as clean.
But yes, okay, we can get it flowing. The problem
is the tail piece has holes in it to accept
water from the overflow side, and it tends to get
just full of hair and kill and queue and it's
hard to really get a clean You can probably make
a big enough hole to drain over the field.

Speaker 2 (01:13:24):
And by the way, for what he's talking about is
this zip strip. I don't know what you call it,
but they're they're white PBC strips with barbs on them.
I use them all the time. They're wonderful. Yeah, yeah,
thank you, Jay. I appreciate your I appreciate your call.
Let's ask Mark, Mark, what is your thing? Go ahead? Mark?

Speaker 7 (01:13:44):
Hello, Tom?

Speaker 2 (01:13:47):
Yeah, how can we help you? I mean not help us.

Speaker 5 (01:13:49):
How can you help us?

Speaker 7 (01:13:52):
I was thinking of using your flex cable cable a
tool that there's a tool if you grab if you drop,
or a spark plug.

Speaker 20 (01:14:01):
On an engine engine.

Speaker 7 (01:14:02):
Yeah, button and the three little metal pronks come out.

Speaker 13 (01:14:07):
Yeah.

Speaker 7 (01:14:07):
Whatever you're looking for?

Speaker 2 (01:14:09):
Oh yeah, but he's not looking for anything specific, he's
just looking to clean it.

Speaker 7 (01:14:15):
Just try a normal sex cable, yeah.

Speaker 2 (01:14:18):
Or or what what the gentleman just selected that? What
do you call that? PVC strip? What do you call them?
I buy them all the time at home depot. It's
a white strip with it You put your finger through
the top of it in a loop and then it's
it's about eighteen inches long and it has barbs on it,
little barbs that when you go into the drain and

(01:14:38):
pull it back out, it pulls hair out and debris.

Speaker 5 (01:14:42):
It's really remarkable.

Speaker 2 (01:14:44):
Thank you Mark for calling three three seven, one, three
eight two five five. Now Ken wants to talk about
an issue with a septic system. Ken, go ahead. Today
seems to be a drain day. Ken, what's going on? Yes?

Speaker 6 (01:14:59):
You talk about me? Right?

Speaker 20 (01:15:00):
Do you hear me?

Speaker 5 (01:15:01):
Yes, sir, I can hear you.

Speaker 25 (01:15:04):
Okay, awesome, Okay, here's what we got.

Speaker 2 (01:15:07):
I live up in the mountains.

Speaker 25 (01:15:08):
I live up at Pine Junction.

Speaker 2 (01:15:10):
Okay, uh huh.

Speaker 10 (01:15:12):
And a company called Shirley Septic.

Speaker 2 (01:15:16):
What is it called. What's the name of the company,
Shirley Septic?

Speaker 5 (01:15:22):
Surely, okay, you know the How do you know the company?

Speaker 2 (01:15:26):
D How do you know the company? No? No, D says,
how do you know the company? Deputy D.

Speaker 15 (01:15:33):
Oh, so they also operate a garbage service, and I'm
in the garbage business.

Speaker 2 (01:15:36):
Oh so that's how I know about that Shirley Septic. Okay,
what about them? Ken?

Speaker 7 (01:15:42):
Okay.

Speaker 19 (01:15:43):
They built a big, old, huge thing.

Speaker 10 (01:15:45):
I don't know what to call it. It's almost like
a cartlike building.

Speaker 2 (01:15:50):
Huge transfer station. M This was a very a transfer station.

Speaker 14 (01:15:56):
It was a very controvert.

Speaker 10 (01:15:58):
Yeah, my wife looks, what.

Speaker 2 (01:16:00):
Is the trans Do they have public sewage up there?
Is that what they did? They held they did it.

Speaker 5 (01:16:05):
For the sewer system.

Speaker 15 (01:16:05):
I believe they built a transfer station for their garbage service.
It was a very controversial product project a couple of
couple of years ago, and I think that county commissioner,
some county commissioners got accused of, you know, properly approving
it or something like that.

Speaker 2 (01:16:19):
Anyway, what's going on with it?

Speaker 23 (01:16:21):
Ken?

Speaker 25 (01:16:23):
Okay?

Speaker 10 (01:16:23):
They got a cease and desist order January.

Speaker 2 (01:16:27):
Twenty third, And what does that mean? For what that means?

Speaker 23 (01:16:31):
Stuff?

Speaker 13 (01:16:32):
Okay?

Speaker 7 (01:16:32):
What happened was is they do a.

Speaker 25 (01:16:34):
Safety cup there and they do garbage and.

Speaker 10 (01:16:37):
The sleek down into my neighborhood. Yeah, cross, And so
they got a cease and assist.

Speaker 2 (01:16:46):
They mean, what a season to say? Here's what I
need to know, Ken, cease and desist?

Speaker 6 (01:16:51):
What?

Speaker 2 (01:16:52):
Ken? That's what I need to know. Is the transfer
station built already? What are they ceasing? What do they
want them to cease?

Speaker 25 (01:17:01):
Okay, okay, let me start from the beginning. Then they've
built their transfer station. They started and they started bringing
up you know, see ee and trash. Okay, yes, and
then on January twenty third, I mean, I'm looking at
the email right now.

Speaker 23 (01:17:19):
On January twenty third, they were told to stop.

Speaker 2 (01:17:24):
Got it? Got it?

Speaker 14 (01:17:25):
Stop everything?

Speaker 2 (01:17:27):
By who? Who told them to stop?

Speaker 10 (01:17:29):
And you cease and desist?

Speaker 2 (01:17:31):
Who? Who told them?

Speaker 20 (01:17:35):
The court?

Speaker 2 (01:17:37):
Okay, who sued them?

Speaker 10 (01:17:41):
We did a whole bunch of people, okay, got it?

Speaker 7 (01:17:44):
So?

Speaker 2 (01:17:45):
Okay, So the Shirley Septic built a transfer station for
their trash service and or their septic service or whatever.
They got a cease and desist order telling them to
halt operations now keep going from there.

Speaker 10 (01:18:02):
Okay, So they kept going, but they were doing it
at two and three o'clock in the morning.

Speaker 25 (01:18:08):
I hear them.

Speaker 23 (01:18:09):
I hear them bouncing down the road because they have
big trunks, and they go kind of maybe a hundred
yards from my house.

Speaker 20 (01:18:17):
They bounced down.

Speaker 2 (01:18:18):
So they are defying you're saying. You're saying, they are
defying a court order.

Speaker 23 (01:18:25):
Right and then and then they form for about more
than five months, they're doing it mill and nine.

Speaker 10 (01:18:30):
Then they just start doing it.

Speaker 23 (01:18:31):
During the day.

Speaker 10 (01:18:32):
Now I see trucks going up there and coming back
now all the time. And they were it was done
by uh the county court or somebody told them, you know,
the court told them not to do this anymore, okay,
And they just kept going. And I keep getting emails
they want more money from us.

Speaker 2 (01:18:53):
Who wants more money?

Speaker 10 (01:18:54):
This is the part the group that's trying to sue them.

Speaker 2 (01:18:59):
Okay, Well, yeah, that's what it takes. Now. Let me
ask you something that transfer station deputy d is that
for stuff they pump out of septic systems or what
is that transfer station exactly? Do you know?

Speaker 15 (01:19:11):
Well, in my industry, the term transfer station is generally
used to describe a facility where garbage trucks dump their
loads and then those loads are consolidated into giant loads
into you know, into big semis that actually haul the
loads of garbage.

Speaker 2 (01:19:25):
That doesn't sound like that would get into their.

Speaker 15 (01:19:28):
So it could be that, well, surely started as a
sewage and septic company, so and they still provide that service.
So it could be based on what I hear a
caller saying that they're using that facility also to consolidate
loads of sewage.

Speaker 2 (01:19:43):
Okay, that's what I think they're doing.

Speaker 23 (01:19:45):
I see trucks go up there, trunks we used to
call them another kids. I see them go up there
all the time.

Speaker 5 (01:19:52):
So both trash and sewer.

Speaker 2 (01:20:00):
Okay, so listen, So what are you asking today of us?
If they have a lawsuit going on and they've already
gotten a cease and desist and now they're going back
to court. I mean, you don't have to be part
of it. You're not forced to be part of it,
right ken, Are you listening, sir? Are you forced to

(01:20:23):
be part of this. Okay, let's just discontinue it. Can't talk,
can't do the call. Here's what I recommend. If you're
forced to do it through your HOA, that's an HOA issue.
If you want to be part of it, you can
be part of it, Brad O'Brien. Can hoa's force people
to be part of them. They don't force them to

(01:20:44):
be part of it. But they can collect fees and
assessments if they all go together on a lawsuit. Right,
they can do a capital assessment or whatever you call it.

Speaker 12 (01:20:55):
Hoas have a lot of discretion in Colorado to self
manage themselves. And yes, they can do special assessments if
they have the votes for it.

Speaker 2 (01:21:03):
So a special assessment. If if an HOA wants to
sue somebody and they don't have enough money, they can
literally depending on the bylaws, but in most cases they can.

Speaker 5 (01:21:15):
Go out and ask the homeowners to chip in for it.

Speaker 2 (01:21:18):
That's right, yeah, and that that is a lot of
people don't understand special assessments. They think somehow the HOA, hey,
you know, they're profiting from this. Many times the hoas
have a shortfall. For example, for insurance premiums, a lot
of times right now, deductibles. They have a hailstorm, the

(01:21:39):
insurance is covering it, but there's a giant deductible and
they have to do a capital call and you don't
have a choice. You can't say no.

Speaker 12 (01:21:49):
Right Sometimes they give you payment plans on like if
you have to do five thousand pre unit to chip
in for the deductible.

Speaker 2 (01:21:57):
So that that is a big problem. That is a
big problem with community living like that. I mean, in fact,
it's why the price of condos and townhomes are coming
down because insurance is so cost prohibitive that many times
what you find is you find people can't affording the

(01:22:17):
assessments and they're wanting to sell. And when they want
to sell, and a lot of people want to sell,
prices come down. It is not a good time to
be owning a condo or a town home right now.
Dave has an issue with a dead tree. The neighbor
has a dead tree. I believe, is that what you're

(01:22:38):
talking about.

Speaker 19 (01:22:39):
Dave, Yes, it is Tom, Thank you for taking my call.

Speaker 2 (01:22:44):
Yes, sir, I'm what I'm trying to find.

Speaker 19 (01:22:46):
Out is if you're aware of any tree services that
basically work with individuals who may have difficulty being able
to pay. The issue that we have. We have a
neighbor who is quite elderly and she's dealing with a
lot of health issues. She doesn't have a lot of

(01:23:07):
money currently, she's not even in the state. Her son
picked her up and took her to another state. So
the home is vacant. And she has about an eighty
to ninety foot androsa pine tree that died on the
backside of her property and it's leaning towards our property.
And again, I know she has no ability to pay

(01:23:30):
somebody to come out and take that tree down. Just
wondering two different things. Number One, if you would have
any idea of any resources that we might be able
to utilize again low costs to work with her and
her son on getting them.

Speaker 2 (01:23:46):
You know, I don't now we have I'm looking Mark.
We have a tree service on our referral list in there.

Speaker 24 (01:23:53):
Unfortunately it's not a free tree service right right. But
what I'm saying is, do you think they would work
with them?

Speaker 2 (01:24:00):
Don't know?

Speaker 24 (01:24:00):
You just have would have to try it. Would anything
I would? I mean I would highly doubt it.

Speaker 2 (01:24:06):
Well, okay, but here's somebody who might now ge tree
service is one if you.

Speaker 5 (01:24:11):
Go to referralis dot com.

Speaker 2 (01:24:12):
I'm not saying they'll do it, but they're locally owned
and operated and they're a great company. Maybe they would
work something out with a lean on the property until
it's paid. I would also.

Speaker 24 (01:24:23):
Try, well, is she willing Wait a second, that's a
whole different deal. Is she willing to do that that's
guaranteed payment?

Speaker 19 (01:24:34):
I appreciate you saying that, because she's in a situation
where she's not capable of making decisions for herself.

Speaker 2 (01:24:43):
Right, yeah, will her is her son? Is her son
willing to do that?

Speaker 19 (01:24:48):
Her her son has no power of attorney or anything,
and so.

Speaker 2 (01:24:53):
I understand, I understand that. But he can get his mom.
He can get his mom to sign if she You
know what I'm saying is if she's legally not if
she's not declared incompetent, she can legally, I mean they
can do it. I mean, there's nothing saying she can,
Is that right, Brad? I should ask Brad O'Brien, Brad O'Brien,
if she's kind of incompetent in the Sun, there's nothing

(01:25:13):
official with the courts.

Speaker 5 (01:25:14):
Can the Sun get her to sign something or is
that going to be.

Speaker 11 (01:25:17):
Yeah, you can sign documents when you have a moment
that you're lucid.

Speaker 2 (01:25:22):
I mean yeah. Listen, Dave, are you saying that the
woman is completely out of it?

Speaker 7 (01:25:30):
Yes?

Speaker 2 (01:25:31):
Okay, And he has no power of attorney, no asking
listen carefully. Is he willing to have this done?

Speaker 8 (01:25:45):
Willing?

Speaker 19 (01:25:46):
Yes, But as far as financial capability, no, But I
think your suggestion about aline might be a good way
to go.

Speaker 2 (01:25:54):
Yes, it is a good way to go, I mean,
and I would also try mister Green Jeans. He a
good guy on our referral list. So there's ge Tree Service,
mister Green Jeans, and AAA Emergency Service. I'm not telling
you that they will do it, but you should check
with them.

Speaker 19 (01:26:15):
Okay. So one of the full up questions, I gotta
take this.

Speaker 2 (01:26:19):
If you want to hang on, you can, but I
have to take this break. And I want to tell
you that Denverregen dot com not only helps Maart lose weight,
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(01:26:40):
dot com. You don't pay a cent until you're content.
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customer when you choose Frank Duran, the real estate man

(01:27:00):
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two three seven
help him on the air, like, because I just screwed

(01:27:22):
something up and I don't know what it is, but
I'll get it back. Don't worry about it. Three oh
three seven one three eight two five. I've talked to me,
Am I on the air? Or what what am I doing?
Did I knock myself off? Did I have a lightly
low Now I don't know what you touched? Yeah, okay,
not sure. I didn't touch anything for sure? So I
can hear you three all three seven one three eight

(01:27:44):
two five five.

Speaker 24 (01:27:46):
He sounds like he's in a ten cam though.

Speaker 2 (01:27:50):
I don't know, so when I can you guys talk
to me and tell me if we're on the air here,
please we can hear you. But out hearing him, I
screwed up.

Speaker 24 (01:27:59):
He can't hear me, Kenny, I don't think you can
hear us, but he's on there. You can't hear us.
Oh geez all right? Three zero three seven, one, three
eight two five five. Who did we leave off with?

Speaker 7 (01:28:10):
There?

Speaker 2 (01:28:10):
Guys, we need Dave with a He has a follow
up question with the dead tree. Go ahead, Dave, go ahead.

Speaker 24 (01:28:16):
We were going to think about giving you ge tree service.
What kind of damage would this tree do? By the way,
if it did fall under your property, would it hit
like your house or anything.

Speaker 19 (01:28:27):
It's tall enough it could actually reach the house. Thankfully,
there's a couple of big trees in between it that
are on our property that would probably prevent them sorry happening,
but it would definitely end up doing tree damage. And
the follow a question I had is her son has
not and very reliable or responsible and taking care of things,

(01:28:49):
and so how do we best protect ourselves if it's
a situation where we reach out to him and say, hey,
these are some options you have to get this taken care.

Speaker 2 (01:28:59):
Yeah, here's what you here's what you do. You force
the issue, right, Mark or Brad O'Brien, the HOA can
force the issue. They're not taking care of their property.
He feels sorry for the neighbor. But as in HOA,
they can put pressure on this neighbor and then let
the son worry about it. You shouldn't have to worry
about getting a POA from the woman for him. He

(01:29:20):
has to deal with it. It's his mom.

Speaker 5 (01:29:23):
And the only way you do that is you have
the ha write a.

Speaker 2 (01:29:26):
Letter saying if you don't do it, we're gonna do
it and we're charging you. Brad, is that tom oh crap?
Nix that never mind.

Speaker 19 (01:29:39):
Yeah, it's in a home that doesn't doesn't have any
h O.

Speaker 2 (01:29:42):
Brad, what would you do? What do they do?

Speaker 5 (01:29:44):
I mean, I don't, I don't.

Speaker 2 (01:29:46):
Look at man, you just got a reason with the son.
He's gonna have to get his mom to sign a
power of attorney. He can do that. He can move
her hand around on a piece of paper. I mean,
she hasn't been declared legally incompetent, so he's gonna have
to do it. No one's going to go out there
and perform work without permission.

Speaker 24 (01:30:06):
In wait a second, if this tree, Brad, if this
tree isn't like on these this guy's property, the caller's property,
it's just standing up. But it's dying on her property.
How could anybody force her to do anything?

Speaker 2 (01:30:21):
Well, Brad, you can.

Speaker 12 (01:30:22):
Go to court and get get an adjunctive order based
on impending bodily harm or property damage. Or if the
son is just willing to represent himself as her manager,
that should be good enough. This is not some legal
document that needs to be signed by the lady. Her
property manager going to probably authorize it.

Speaker 19 (01:30:42):
Okay, Well, thank you very much for the advice. I
appreciate it. While I have the opportunity, just real quick,
I want to say thank you for a referral to
National Home Improvement out in Littleton and Steve Becker. Steve
and National Home Improvement have done almost one hundred thousand
dollars worth of work for us.

Speaker 2 (01:31:02):
Good to hear that, brother, Good to hear that.

Speaker 24 (01:31:04):
They're great people. They've been on the referral list for
a long time.

Speaker 2 (01:31:08):
You know. Isn't it nice to have people that are good? Okay,
hold on, sir, I got to go to the next caller.
I thank you for calling though, And who is that?
Who's next? That's Dave? Oh no, that's the one we
have and we have now David David about protecting his identity.
Go ahead, David, what's going on with you? Yes, David,

(01:31:33):
what's happening?

Speaker 11 (01:31:34):
Yes?

Speaker 2 (01:31:35):
Yes, are you there?

Speaker 21 (01:31:36):
I'm here, Yes.

Speaker 2 (01:31:37):
We're here, sir, and I can hear you. What's going on?

Speaker 7 (01:31:41):
Okay?

Speaker 21 (01:31:41):
Great recently lost quite a bit of personal information. If
it were an honest person like me, I would put
it in the mailbox or get.

Speaker 18 (01:31:52):
A hold of whoever.

Speaker 21 (01:31:53):
But no one has done that, so I was trying
to take what steps I could.

Speaker 2 (01:32:00):
All right, here's what I want you to do. Listen,
listen carefully, okay, Deputy Doc. Deputy Doc, give him the
number for the fraud alert that will alert all three agencies.
We'll do. Go ahead, It's.

Speaker 26 (01:32:13):
Eight hundred five two five six two eight five.

Speaker 7 (01:32:22):
Okay.

Speaker 2 (01:32:23):
Now, Also, I want you to do something else. Remember
these Equifax, Experience and TransUnion. You go on each of
those and establish a log in with them. There's no charge,
and once you have an account with them, you can

(01:32:44):
freeze your credit. Do that immediately in addition to the
fraud alert. Freeze your credit, which means no one can
get your credit information without you on freezing it. Okay,
then no one's going to be able to do anything
to harm you. Now, you know, I'm saying as far

(01:33:04):
as credit goes and charging an accounts okay, that doesn't
mean someone can't get a license or something. Anything that
requires a credit report, though, will be shut down, which
is usually the stuff that does most of the harm.
All right, David, okay, yes, today, just a mention.

Speaker 21 (01:33:25):
I initially tried to do that with I thought I
was calling Equifax, but I reached the it was called
the Consumer Information Bureau, and they had a program. They
said they would do that all for me, and I
signed up with them. Are you familiar with them at all?

Speaker 7 (01:33:39):
They said, They sent me a packet.

Speaker 21 (01:33:41):
They've been in business since two thousand and one, and
know what it is.

Speaker 2 (01:33:46):
It's a commercial operation and they're making money doing it.
I'm not saying they're bad, but I wouldn't use it.
You can go direct. They're just charging you for something
you don't have to be charged for, sir, So no problem, right,
all right, David, thank you for good Thank you. Do
you have another question, sir?

Speaker 21 (01:34:05):
Well, I try to call SO Security, would you, uh.

Speaker 2 (01:34:08):
You don't have to do that? You don't, you don't
have to, I really don't. I really believe with the
fraud alert that eight hundred five two five sixty two
eighty five. And with the credit freezes, you're gonna be fine.
That's just my opinion. But I think you're gonna be fine.
I got to take this break. I'm Tom Martino. Go

(01:34:31):
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(01:34:53):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixty. Hi, Tom Martinez, your Dave wants
information on a disability attorney, and I want I want
to tell people though about speaking of attorneys. Dan McKenzie
can do the he can do the POAs for older people,

(01:35:15):
and he can do complete estate planning. Deputy bo use
him and loves him. I'm using him. A lot of
people are using a McKenzie law. And I just want
to say, because someone asked about getting the POA. Who
would you use Dan mackenzie for sure, including all estate
planning eight three three co plans eight three three co plans. Okay,

(01:35:36):
So what's going on with you, Dave? What's happening? Hi?

Speaker 1 (01:35:41):
Tom?

Speaker 19 (01:35:42):
Thanks for listening your or so ago.

Speaker 7 (01:35:45):
You are talking about a lawyer in Colors Springs along
and you said was very good for disability?

Speaker 5 (01:35:54):
What really?

Speaker 2 (01:35:55):
Really? I can't recall that. Are you talking about a
disability meaning to enforce the Americans with Disabilities Act? Dave?

Speaker 8 (01:36:07):
No, she just wants to get on disability.

Speaker 2 (01:36:11):
Oh okay, social security disability.

Speaker 7 (01:36:16):
Correct.

Speaker 2 (01:36:17):
Okay, here's who you want. They're not on the referral list,
but they're good people. Sullivan, Sullivan and McGuire.

Speaker 7 (01:36:31):
Sullivan, Sullivan and McGuire.

Speaker 2 (01:36:34):
Let me give you the number. Thank you, three three
six nine eight six eight.

Speaker 8 (01:36:46):
Thank you so much. The reason I remember that.

Speaker 2 (01:36:50):
Hey, Mark, doesn't cliff Enton also do that?

Speaker 24 (01:36:54):
I don't know if he does social Security disability?

Speaker 2 (01:36:57):
Now you can try him too. He is on a
he is on our referral list. He's a great guy.
Cliff Enton, here's his number. Try both. Cliff Enton, who
does PI and does socials. He does the workers comp.
He may do Social Security disability. His number is three
o three three three three two two two two, So

(01:37:25):
try him as well. And and you you should get somewhere.
Do you need anything else, sir?

Speaker 24 (01:37:30):
He does not do that though, Oh he doesn't do that, okay,
So just I'm sorry he doesn't do that.

Speaker 2 (01:37:36):
So Sullivan, Sullivan and Maguire days.

Speaker 24 (01:37:38):
I'll tell you who I think he's thinking about. But
I tried to google her name, and I swear to God,
her name is so screwy.

Speaker 2 (01:37:45):
It's Gerlowski. And she doesn't do it. Okay, she does
real estate, got it?

Speaker 7 (01:37:51):
You had mentioned that you had a woman that was
good in Colorado Springs and we left care down the
bottom of the state. That's why I remember.

Speaker 2 (01:38:00):
Yeah. But by the way, it doesn't matter where you live.
A lot of this stuff can be done remotely. But
I would call Sullivan, Sullivan and Maguire. You don't have
to meet with them for anything. That's what I would do.
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(01:39:09):
estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter, Russ, what's going on in
your life?

Speaker 7 (01:39:27):
Russ?

Speaker 13 (01:39:28):
Hi?

Speaker 7 (01:39:29):
Hi Tom, I'm interested in what my wife is. She's
been taking the CBD for paying the venues in Panacea,
and of course it's worked out well for probably a
couple of years, and then I'm not sure what happened here?

Speaker 2 (01:39:43):
Hey, what did happen to Panacea? They came off our
referral this years ago, a few years ago, and I
thought they were private labeling for people.

Speaker 24 (01:39:52):
Yeah, I think that's what they've pretty much been doing.

Speaker 2 (01:39:56):
But they had a great product. But here's where you
get their product, because I use that that when I
was on chemo.

Speaker 5 (01:40:03):
You have to go to a dispensary.

Speaker 2 (01:40:06):
But they and and the and the dispensary doesn't just
carry th HC stuff. They do carry the CBD and
CBG products, and they were a wonder for me.

Speaker 5 (01:40:19):
So that's what I did.

Speaker 7 (01:40:23):
Do you recommend the dispensary, I mean you're.

Speaker 5 (01:40:25):
Yeah, there is there is one. I really like.

Speaker 2 (01:40:27):
Dam and I'm trying to think of the name of it.
They did it where you got that bong? I stopped
that mark. See, everybody thinks the dispensary is that? What
the hell's the name of it? Man, I I.

Speaker 5 (01:40:40):
Gotta figure it out.

Speaker 2 (01:40:41):
But do you know what I will, I'll tell you
they are so let me explain something to you. They
are so regulated. It's not a head shop. It really isn't.
These These people are pretty professional. I'm trying to think
of the damn ones that were They were actually recommended
to me by some of my people. Let me think
of the damn gosh, darn it, I don't name Is

(01:41:04):
it the ones owned by the Cheech and Chawn guys. Yeah,
that's exactly what it was. Mark, How did you know
Chief and Chew? Social Social that's the name of it,
Social Cannabis and and I'm telling you they're good people.

Speaker 6 (01:41:20):
Okay.

Speaker 7 (01:41:21):
I was using Blue Sky after Panacea. Yeah, it was great,
you know I.

Speaker 2 (01:41:27):
Used to Then then why wait, wait, wait, then why
are you asking about new ones?

Speaker 7 (01:41:32):
Because he's ghosted me, this guy. I talked to him
on the phone. He says, Oh, I'm in the middle
of them. Let me call you in fifteen minutes. And
then a day goes why I call again, and he goes, oh,
I'm headed home, let me call you in fifteen minutes.

Speaker 5 (01:41:44):
Oh okay, Well that's too bad.

Speaker 2 (01:41:46):
You know what, I found Social Dispensaries to be pretty
professional and good people. They took time with me to
figure out the best stuff I needed for my nausea
and discomfort from key. They were really good people. And
they have a lot of low or no THCHC stuff.

(01:42:07):
If all you want is the CBD and the CBG,
they have those products.

Speaker 24 (01:42:11):
I'm on their website. They have infused flower moon rock
on sale for thirty Marcus.

Speaker 2 (01:42:19):
Marcus such a pain in the ass. He thinks I'm
a now he thinks I'm a head case. So anyway,
as I said, with the regulations we have in Colorado,
I think they've done a pretty good job with I
don't know, I think they've done a pretty good job, Dan,
what do you think?

Speaker 15 (01:42:36):
I was just wondering, So when you go into one
of these places, do they really scan your driver's license
or your ID and they keep a record of visiness?

Speaker 2 (01:42:44):
Wow? Yes, yet that you don't like that? Right? No,
of course not. Well what are they going to do
with it?

Speaker 14 (01:42:49):
Well, it's not what they're going to do with it's
what the government is going to do with it.

Speaker 2 (01:42:52):
God, this government thing he's got to do. I do
agree with him.

Speaker 24 (01:42:55):
I have never shown my license to any of those
kind of places.

Speaker 14 (01:42:59):
So would they even let you in?

Speaker 2 (01:43:01):
No? You want, you don't get in. You just don't
get in, Okay, don't get in.

Speaker 14 (01:43:05):
I'm just kind of curious to see what they're like inside.

Speaker 24 (01:43:08):
So then it woronans they do that? Is they track you?
So you can't fly into Colorado and buy like twenty
ounces and find that.

Speaker 2 (01:43:16):
Oh I never thought of that, so SUS must be
the one. Then before I bought my own, SUS was
the one that got it for me. That because SUS
was buying stuff for me, and there's nothing wrong with that.
It was but she had to show her license mark,
no con right, no comment, and he says, I'm Tom
Martino three oh three seven one three talk. We got

(01:43:38):
another hour to go on the Troubleshooter Show. Stick around
for more action and call with any problems, questions, our
complaints three oh three Martino three o three six two
seven eight four six six. Go with a sure thing
Denver's Best roofer Excel Roofing. You don't pay a cent

(01:44:01):
until you're content. Time for an insurance check up free,
no obligation comparison call Compass Insurance paying too much your
coverage at dozens of insurance companies find out now three
oh three seven seven one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance

(01:44:23):
three oh three nine two zero sixteen twenty two.

Speaker 24 (01:44:26):
Yeah, ripped of.

Speaker 2 (01:44:33):
News. You need that so you don't have run anxious
as fast as we can't.

Speaker 3 (01:44:42):
Show Shooter's gonna help come.

Speaker 4 (01:44:45):
Man six is the Troubleshooter Show. No, Tom Martinez, Welcome.

Speaker 24 (01:44:52):
Welcome, my friends to the only show of its came.
We're here to solve problems, answer your questions, take complaints.
We're here to make your life just a little I
mean it a little bit better, if not a lot better.
You've been ripped off or taking advantage of. I do
want to hear from you. Three zero three, seven, one,
three eight, two five five or three oh three Martino,
and I beg you take that number. Give it to everybody.

(01:45:14):
Three oh three Martino works on and off the air.
If you're somewhere and someone goes, oh, some contractor just
screwed me over, three oh three Martino, you get the idea,
or I got a horrible landlord. They will not fix
my heating system, they won't fix my air conditioner. My
water's dirty. Three oh three Martino. Hey, Deputy D. You're

(01:45:36):
sitting over there at the home studio, give me a favor.
Turn that monitor down. I hear myself in the back
of it.

Speaker 2 (01:45:41):
By the way. Joining us today, not only.

Speaker 24 (01:45:44):
Deputy D, but we have Brad O'Brien, Attorney of law,
and Brad is a great guy. He comes down all
the time and talks to us at least once a
month on air. And anything to do with real estate
doesn't matter. If it's commercial, does matter, if it's residential.
Brad O'Brien's the guy. He is our expert for everything.

(01:46:05):
And before I get to the phones, I want to
warn landlords out there that have not updated their lease,
and I'm gonna ask Brad a few questions. But Brad,
since twenty twenty four, so many new rules have gone
into effect for residential leases. Landlords are crazy if they
haven't updated them or just started from scratch. Quite frankly,

(01:46:28):
the just cause to evict tenants even after a lease
expires is absolutely insane to me, and a lot of
landlords probably still don't even know that's a real deal.
And then the warranty of habitatability was expanded. In fact,
if I remember right, landlords have to address serious issues

(01:46:51):
and even provide like hotels in some cases. Then there
was something with pet fees like you can only charge
up to a certain amount out if people want to
have a pet. I mean, are all these correct, Brad?

Speaker 12 (01:47:05):
Yeah, We've had big changes in the landlord and tenant
laws almost every years for the last five years, and
so landlords really have to update their least forms to
be enforceable and also to not get them in trouble
because having some provisions in there that are contrary to
the law, like for example, late fees if they if
it's wrong that, they could actually be fined if they
don't if they don't fix that, but yees.

Speaker 24 (01:47:27):
So not only would their lease actually have in some
cases no teeth in it because they're breaking the law
just having that lease, or at least they're not they're
not up to snuff. I mean, they're basically could give
the tenants arguments out of an innovation right.

Speaker 12 (01:47:44):
If a landlord tries to enforce a covenant in the
lease that is no longer allowed by law because it
was changed the last couple of years, the tenant might
be able to get a fine plus attorney fees out
of the landlord for that.

Speaker 2 (01:47:58):
You know, highlight the fact.

Speaker 24 (01:48:00):
I like the fact you work both sides, Meaning if
there's a tenant that's in trouble and they're forcing let's
say the landlord's forcing them to get out, they can
hire you. Or if the landlord needs to get someone out,
they can hire you.

Speaker 2 (01:48:13):
So let me.

Speaker 24 (01:48:14):
I want you to put the landlord hat on for
a second. What are your thoughts on the just cause
and a basic breakdown of a just cause of diction means,
and please correct me, But if I want to get
rid of somebody after a year, if they've been in
my house for a year and I want to get
rid of them, there's only certain cases I cannot renew

(01:48:37):
their lease. In other words, they have an option to
stay even if the lease is up. Can you go
into a little more depth.

Speaker 12 (01:48:45):
Yeah, it's kind of make it really it has made
it really hard for small landlords to be in the
business anymore because you formally used to be able to
not renew somebody who rubbed you the wrong way or
just an embrasive tenant, And now that tenant has right
once they've been there for one year, to have their
lease renewed when it comes up for renewal. There are
some exceptions, like if the landlord wants to sell the

(01:49:08):
property or renovated or move back in themselves, And there's
an exception for if the landlord actually lives in the properties.
If you're just renting out a room, then this thing
doesn't apply, or if landlord lives next door doesn't apply.
A couple other very minor exceptions, but pretty much, once
you've got a tenant, now a landlord.

Speaker 11 (01:49:26):
Has to renew them.

Speaker 12 (01:49:27):
Like if you start with a year lease, then you've
got to renew them for another year unless you have
one of these very few reasons.

Speaker 2 (01:49:32):
You know what's crazy about that?

Speaker 24 (01:49:34):
And once again I'm going to have let's just stick
with the landlord had on. It's insane for this reason.
If they want to leave that lease, I as a
landlord can't hold them to stay there another year. But
if I want to get rid of them, I can't
do it. That is about the.

Speaker 2 (01:49:52):
Most unfair thing I've ever heard.

Speaker 12 (01:49:55):
Yeah, the pendulum has definitely swung in the tennis favor
of the last few years.

Speaker 24 (01:49:58):
With that, now from the ten let's put on the
tenant hat real quick. There's probably been a lot of
times that maybe they want to boot someone out that's
been a good customer, if you will, for years, but
maybe one of their friend's kids is moving out needs
a place. There has probably been in the past. Well,

(01:50:19):
you know what, I don't even agree with what I'm
saying I'm trying to come up with an idea where
a landlord has misused the lease. But the bottom line is,
up until recently in Colorado, well one year lease was
just that it didn't matter why you wanted to get
rid of the tenant. It just didn't matter. You didn't
have to renew the lease. So I think the whole

(01:50:40):
thing sucks. Honestly, can you think of something that helps?
I mean, I guess it helps people not having to relocate.

Speaker 12 (01:50:51):
Yes, from the tenant's perspective, this is good public policy
because tenants won't have to move after their turn.

Speaker 11 (01:51:00):
Is over, just on the whim of a landlord not
wanting to renew.

Speaker 24 (01:51:02):
Then why not send a five year lease then back
in the day instead of a one year, or have
a lease it has options built in.

Speaker 12 (01:51:09):
Well that cuts both ways. Five years is really too long.
Circumstances change. What if a tenant it gets a job
in a different city, or you know, they want to
move for any reason, then they'd be on the hook
for another four years of rent if you know, if
they did that after the after one year in.

Speaker 24 (01:51:24):
Now, how about how about booting people for not paying?
What does that look like these days? Do I have
to default more than thirty days.

Speaker 11 (01:51:32):
Uh, landlord's candivict for non payment of rent.

Speaker 12 (01:51:35):
But but what's what's changed the last couple of years
is they can no longer event effect for some of
these smaller things like non payment of utilities or non
payment of late fees.

Speaker 11 (01:51:45):
Has to be just for the rent.

Speaker 24 (01:51:47):
And now wait a minute, wait, wait, you just said something.
So someone moves into my house and has the utilities
put into their name because they're going to pay their
own utilities, and they quit pay Excel and all of
a sudden, you know, that brings up a lot of
issues for my property, like I might not be able
to heat it in the winter. Does that mean I

(01:52:09):
have to step in and pay for their utilities?

Speaker 2 (01:52:11):
And I can't A.

Speaker 12 (01:52:12):
Victim could be because it's not insane. You cannot evict
a tenant for anything other than rent or substantial violation
of the lease. And at the same time, a landlord
has to provide a habitable premises.

Speaker 24 (01:52:27):
He did, well, I get that, so, but that's exactly
what I just said. So if they're not paying the utilities,
not only can I not kick them out, but I
might have to turn the heat on because it wouldn't
be habitable without the heat.

Speaker 11 (01:52:41):
Yeah, but landos still have other remedies.

Speaker 12 (01:52:43):
They could sue the tenant personally to get a personal
judgment for money to recoup some of these things that
were tenant responsibilities.

Speaker 24 (01:52:51):
Yeah, or the Russian mob, depending on who you're dealing with.
There's some pretty bad tenants out there.

Speaker 2 (01:52:56):
Let me tell you.

Speaker 24 (01:52:57):
During COVID, Brad, we had calls all the time, people
that had homes they were renting out, weren't getting paid,
couldn't a victim, couldn't do anything whatsoever. I mean literally
couldn't do anything that was insane. I think Colorado's crazy
when it comes to this stuff. But the reason I
wanted this conversation real quick with Brad is for this.

(01:53:20):
For all you landlords out there that have not updated
your leases, you better call Brad. You better have them
look over what you have talk about the new rules. Hey, Brad,
what would happen if someone raised the rent twice in
this year, not knowing they weren't supposed to raise it.

Speaker 2 (01:53:40):
More than one time in twelve months?

Speaker 24 (01:53:42):
Could that tenant go back three years later and fight
that and get all that money back? How would something
like that work?

Speaker 12 (01:53:49):
I would say probably yes, because that was an unlawful
raising of the rent, and so that is I should
be recoverable before the Statute of limitations runs in.

Speaker 24 (01:53:58):
And pet fees, what's the most you can charge now
for a pet fee per month?

Speaker 2 (01:54:03):
Not all the new law.

Speaker 12 (01:54:06):
It was a few years ago, but now three hundred
dollars is the monthly excuse me, is the deposit maximum.
And that's for all pets. So if you if you
have one dog, it's three hundred. If you have two dogs,
it's still three hundred. And the monthly rent on a
pet is limited to the greater of thirty five dollars
or five percent of the rent for the ros Okay,
the whole place.

Speaker 24 (01:54:24):
So I want to use this as a real example
because I guarantee it's happening. There's probably people out right
now that are paying forty fifty bucks a month per pet,
and they've been paying that for years, they've been paying
it since this rule came in. Those people, if you
have tenants like that, or if you're one of those tenants,
listen to what we're saying right now, call the landlord

(01:54:45):
up and demand a refund. Anything over thirty five bucks
a month and that's not per pet, right, that's saying
or or the one point five percent of the monthly rent.
I believe you said.

Speaker 12 (01:54:55):
But that's yeah, five percent of the monthly rent is
the cap on the cap goot fees or thirty five dollars,
whichever is greater, and so thirty five bucks.

Speaker 23 (01:55:05):
Yeah.

Speaker 12 (01:55:05):
One detail is that this deposit for the pet deposit
has to be refundable. So many leases out there say
non refundable pet deposit because that's how it's done for
many years. So there's like at least fifty little details
like that where landlords have to update their leases to
comply with recent changes in law.

Speaker 24 (01:55:22):
I want every listener, everybody that's a tenant, the landlord's
already got their advice from us, you better update the lease.
But every tenant out there, if you've been paying more
than thirty five dollars a month for pet fees, they
owe you a refund and you can get it. And
if okay, what happens if they're holding a six hundred

(01:55:44):
dollars deposit from five years ago for a pet security deposit?
Does the landlord have to refund that other three hundred Now.

Speaker 12 (01:55:54):
Well, the change in statute really didn't talk about grandfathering
at all, So I would have to assume that the
new law when it changed, with fire landlords to rEFInd
the overage that they were holding on deposits.

Speaker 24 (01:56:05):
So people, I'm telling you and landlords, I hope you're
learning a lesson. I could sit here with Brad for
about an hour straight and come up with every tenant
that is probably affected that is not under a new
Colorado lease in the last five years. So if you
have tenants in that in that area, you better handle him.
Three oh three seven, one three A two five five.

Speaker 2 (01:56:27):
Let's do this.

Speaker 24 (01:56:29):
Dave Dan and Deputy Boson too. We have a landlord question.
We'll go to that. Then Dave has a homeowner's insurance question,
which is becoming a big, big deal in Colorado. By
the way, this hour is brought to you by Frank Duran,
the real estate man. Frank made us so much money

(01:56:50):
on this house that I'm sitting in right now, or
saved us so much money. I can't even express our
gratitude to him. He negotiated over one hundred thousand dollars
off his house, and when he sold our old house
in Castle Rock, we got more for that house in
that same model anywhere else in Redhawk Frank Duran Holmes

(01:57:11):
dot com.

Speaker 2 (01:57:18):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content
than time for an insurance check up free, no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three oh three
seven to seven to one help. You'll think you're his

(01:57:39):
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two.

Speaker 24 (01:57:51):
All right, three oh three seven one three eight two
five five So, uh, Dan and Dave hold on, I
promise I'll get to you this, but I am just
to maze that Caylen eccles is on the line.

Speaker 2 (01:58:03):
Caylen, how are you doing today.

Speaker 1 (01:58:07):
Mister Major?

Speaker 27 (01:58:07):
I'm great, sir, How are you.

Speaker 2 (01:58:09):
I'm doing okay?

Speaker 24 (01:58:10):
I am absolutely baffled why you would be calling so please.

Speaker 27 (01:58:16):
Oh come on, you know the exact reasons why I'm calling?

Speaker 2 (01:58:18):
Mark, No, please tell me Caleen.

Speaker 27 (01:58:22):
Well back on the tip of June, it stated that
the post that we agreed to have taken down were
taken down, and it just seems to have gotten so much.

Speaker 24 (01:58:33):
The post about you going after your own client, right,
you telling the client, Wait a minute, I just want
to make sure we're talking about the right post. The
post about you telling the client that you were having
an affair with his wife because he left a bad review.

Speaker 2 (01:58:54):
In fact, if I recall.

Speaker 24 (01:58:56):
Martin, the wife was going to be going after after
you like a bulldog goes after a bone.

Speaker 2 (01:59:03):
I just want to make sure we're talking about the
right one.

Speaker 27 (01:59:07):
I think that was almost a good enough recap of
the situation.

Speaker 24 (01:59:11):
Okay, well I can feel free to recap again, but
go ahead. So which one didn't I take down? I
know we took you off of sleeves brigade, you know,
the worst of the worst people. I know, I had iHeart.
I know I had iHeart. Corporate remove you from Listen
to how this hyena lasts.

Speaker 2 (01:59:29):
Listen.

Speaker 24 (01:59:29):
I wouldn't do business with you, Kalen in a million years,
based on what happened in the past, and the fact
that you're actually calling up is amazing to me. Put
them on hold for a second. Me put them on
hold here's the deal, Kalen, And I want to tell
you something. Man, you're a nut in my opinion, Honest

(01:59:50):
to God, you are. I do not have control over Google.
Maybe you didn't know that. Maybe you thought I actually did.
When people took the article you going after somebody, some
poor guy that actually hired you. Where your painters did
such a terrible job they had to call into our show.

(02:00:10):
I still have the pictures. There was pain everywhere, the sidewalk,
the window, well, you name it. They got pain everywhere.
In fact, a lot of people would say you did zero.
It was it's like you hired a five.

Speaker 2 (02:00:24):
Year old to do the job.

Speaker 24 (02:00:26):
Then when he put up a bad review about you,
listen to this people. This is what Kaylin Eckles did
when he put Legacy Roofing in construction. Legacy roofing at
least back then. I have no idea what flag he
is flying. Now here's what he did, he replied to

(02:00:47):
the review. I don't remember if it was Google or Yelp,
but Caylen actually replied, my people did a great job.
The only reason, and I'm paraphrasing, the only reason he
has any problem with what Legacy did is because his
wife and I are having an affair and she keeps

(02:01:08):
coming after me like a bulldog goes after a bone.
That's what he put. Then we wrote a Sleaves Brigade
article on him in any time he tried to get
a new roofing job. By God, people would google Legacy
or Kaylin Eccles and Sleavesbrigade would come up, just like

(02:01:29):
Don Eiley comes up if you google Don Eiley. Sleas
Brigade's a pretty powerful site, and we only speak the truth.
We put exactly what happened. He called in probably a
year or two ago and said I have changed my ways,
and he did this on air. So we and all
the graciousness we had Tom and I talked about and

(02:01:51):
we took him off Sleaves Brigade. Then he said, hey,
there's still some articles out here on your Facebook page.

Speaker 2 (02:01:58):
So then I took him off my Facebook.

Speaker 24 (02:02:00):
Then I heard from him about a year ago about
other Facebook pages that I have no control over, absolutely zero.
So let's bring them up again. And I want to
hear from you, Kalen. Which article are you talking about?

Speaker 2 (02:02:15):
Please?

Speaker 24 (02:02:16):
And where is it? Where can I find it?

Speaker 6 (02:02:19):
Mark?

Speaker 27 (02:02:20):
You know exactly where is it?

Speaker 2 (02:02:23):
Kalen I'll google it right now. Where is it?

Speaker 27 (02:02:25):
One knows that you're not responsible for the post to go.

Speaker 18 (02:02:28):
Out online, then where is it the team that handled
at forty?

Speaker 2 (02:02:32):
Where is it? Calean?

Speaker 24 (02:02:35):
Tell me what to google? Tell me what Facebook page?
Please tell me. I'll call up Jeff Bezos right now.

Speaker 2 (02:02:41):
By god, if it happens to be on one of
his sites, I get it.

Speaker 27 (02:02:50):
I mean you got a lot of pup I mean
the listeners just went through the roof that day over
the story.

Speaker 2 (02:02:55):
Mark.

Speaker 27 (02:02:55):
I know you loved it, and that's why you want
to rehash it.

Speaker 24 (02:02:58):
Calen, I'll rehash it every time you call. The fact
that you called up tells me what a numb nuts
you are. My God, put them on hold. You know what, Calen,
I don't mind you talking, but you called up to
say an article was still there?

Speaker 2 (02:03:11):
Where is it?

Speaker 24 (02:03:11):
I have asked you that same question. I'm going to
give you one more try here. I'm going to ask
you and I'm going to give you time to talk,
but you got to tell me where you're talking about.
Whose Facebook page? What Google review? What person out there
that you screwed in the past is still pissed at you?
Please tell me and I'll try to reach out to
him for you, but you got to give me some information.

(02:03:34):
So go ahead, Calen, where is it here?

Speaker 27 (02:03:37):
And I'll take an email.

Speaker 2 (02:03:41):
That's fine.

Speaker 24 (02:03:42):
Send it over to me in an email, you know why,
just like you did last time, and I got rid
of the last one you had. I bashed you enough.
I bashed you enough. I'm not bashing you. I simply
state facts. You keep saying. There's reviews and other things.

(02:04:02):
I agreed to take down the Sleavesbrigade article. You know
how many people probably copied that and put it up
on Facebook. I have no control over of any of
that stuff.

Speaker 27 (02:04:12):
Kleen, Mark, It's all LinkedIn get.

Speaker 2 (02:04:16):
Rid of him. Dragon.

Speaker 24 (02:04:17):
I just I can't believe how ignorant you are, Caleen
to even call up to rehash it. I'm amazed, but
I'll tell.

Speaker 2 (02:04:26):
You this, Kelly.

Speaker 24 (02:04:27):
Let's block out ten minutes for Kalen to call in
every week, because what the hell?

Speaker 2 (02:04:33):
It gets my blood pressure up.

Speaker 24 (02:04:36):
Dan's got a question for our attorney, Dan, What is
your landlord question?

Speaker 20 (02:04:44):
Mark? I wanted to know.

Speaker 24 (02:04:47):
Hey, Dan, let me ask you something, yes, and then
we'll get to your question. How do you think I
just handled Kleen after hearing what I had to say
about him and what he did in the past. I'm curious,
don't I don't know you from anybody, and I want
to help you, but I'm curious what you took from
that conversation. I really am you were fine.

Speaker 20 (02:05:09):
I mean you, you know. The thing is that you
deal with every segment of the human rings, and there's
a certain percentage, a significant percentage that are just jerks,
you know, and they want to get their way in
and there and their two two cents in all the time.
It doesn't matter what you say, you know, and finally

(02:05:33):
they've come up against somebody like you, like Tom uh
who says, you know, I've had enough, I've had enough
of this BS, You're out of here.

Speaker 7 (02:05:44):
And so you're fine.

Speaker 6 (02:05:45):
You know.

Speaker 24 (02:05:46):
I appreciate your perspective. I just can't believe this guy
thinks I have control over anybody that recites his uh.

Speaker 2 (02:05:55):
I don't even want to say it again. I still
cannot believe.

Speaker 24 (02:05:58):
The guy answered a review to one customer that paid
him a lot of money to paint the house. When
the guy wasn't happy because there was paint everywhere and
the job sucked, he replied the only reason this guy's
got a problem is because his wife is having an
affair with me.

Speaker 2 (02:06:17):
You could have ruined their marriage.

Speaker 24 (02:06:19):
Klein Legacy, Roofing, Legacy, construction, whatever he's called now, his
name is Klin eccles. Now, Dan, what's your question? Thank
you for your perspective.

Speaker 20 (02:06:32):
That's okay, all right, So I'm the landlord. I note
to sign a lease the first year, certainly not in
excess of one year back, more like about eleven months
or eleven and a half months. But what about for
a tenant that wants to re up, you know, for
the second and third and fourth year, you know, And

(02:06:54):
I always try, you know, if I raise the rent
twenty five bucks, thirty bucks, I keep keep them for
a long time. But you know, there are there There
has been times over the last day, twenty five thirty
years that someone will pull you know. You know, they're nice,
they're nice, and all of a sudden something happens and

(02:07:14):
they get weird on me and I want them out
at the all.

Speaker 24 (02:07:18):
Right, hold on, hold on, we're going to go to
Brad O'Brien on this, but let me take this break down.

Speaker 2 (02:07:22):
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Speaker 24 (02:08:02):
You know, it truly amazes me some people. I'm just
gonna leave it at that, but it truly does amaze me.
You know, Kalen came on the air wanted to complain
about something. He sent me the link, and you know what,
I don't know what I'm gonna do with that link yet.
I might have a conversation with somebody. I might not

(02:08:22):
because you know what, I have no control over that
firsthand by any stretch. So I might put out a
request for you, Kalen. But it's amazing to me because
in a minute or two, we're gonna bring up one
of our experts that went out and looked at the
work you did on that particular house. I think I

(02:08:44):
probably forget how bad it is. But we're gonna have
that expert on. So next time when you call in
next week, remember how this snowball works, Kalen. Just remember
how it works. And by the way, that link has
a great mugshot of you. That's a great mounction. I forget.
Where was this Georgia? Georgia, Colorado? Is there a Georgia, Colorado?

Speaker 2 (02:09:08):
People? I never heard of it.

Speaker 24 (02:09:09):
Cities, Highlands ranch or maybe that's where he was from.
Was Georgia, I'm not sure. I'm not sure. Anyhow, Let's
go back to Dan. He had a question for Brad O'Brien. So,
Brad a couple of things. I just want to recap
with what Dan asked. Is it true if a tenant's
there for one year, you basically can't get rid of

(02:09:30):
them except for a few reasons that we talked about.
But if they're there for three hundred and sixty four
days and you don't want to renew the lease, is
that a true loophole?

Speaker 12 (02:09:44):
Well, the lease has to be up before the year
is met, So if you write at least for three
hundred and fifty five days. Okay, then you don't have
to renew them. If you ride the lease for a year,
then you've got to renew them unless you have one
of these reasons.

Speaker 2 (02:10:01):
Okay.

Speaker 24 (02:10:01):
Now, Dan, your other question was basically if they're just
total scumbags, to put it out there, there's no other
way to get rid of them? Or what was your question?

Speaker 13 (02:10:11):
No, it had to do with the fact that, let's
say they had been there for uh not quite a
year and everything was fine and they want to re up.
Do I need to sign a new less than a
year lease or does it make a difference.

Speaker 2 (02:10:31):
Oh, here's what he's saying.

Speaker 24 (02:10:33):
He's saying, can you sign perpetual lesson a year leases
with the same kennet.

Speaker 12 (02:10:38):
Now, once they've been in there for a year accumulative,
then then these these rights kick in.

Speaker 24 (02:10:44):
There you go, Dan, that was a good idea, But
that's not gonna work.

Speaker 13 (02:10:50):
I see, So I'm stuck with them if they've been
there for more than fifty two weeks.

Speaker 24 (02:10:58):
Yeah, and even exactly, and even if you did a
six month lease and then renew to six month lease,
if they were there one year, that's it, man, The
rules kick in.

Speaker 14 (02:11:09):
What about bread.

Speaker 15 (02:11:10):
What if one day before the year is over, and
that's the last day of the lease, you rent a
hotel room for the tenant to move into for a
day and then sign another eleven month and twenty nine
day lease. Would that count as a separate lease or
the two bridged together even though he moved out for
a day.

Speaker 12 (02:11:30):
No, I don't. First of all, they'll have a right
of possession for the full year, if that's what the
lease says. So if you moved him out to a
hotel one night early, that doesn't change anything because they
still have had the right to be there.

Speaker 2 (02:11:42):
Yeah.

Speaker 15 (02:11:42):
No, No, you write the initial lease one day short
of an entire year, and then on the day that
would and so the lease expires, and then you move
them into a hotel for a day, And then what
do you mean you move them?

Speaker 12 (02:11:54):
You can't force them needs to go to hotel. They
can stay in the unit. And if they stay there,
even if it's not with permission, because it's one day
over their.

Speaker 11 (02:12:01):
Lease, their rights still kick in. They've been there for
one year.

Speaker 24 (02:12:04):
Oh So, honestly, that's interesting because if if someone did
write the least for three hundred and fifty days and
then had to start an eviction for whatever reason, and
they ended up there more than a year. All those
rights for the tenant kick in, is what you're saying.
As soon as you hit that one year, those rights
are there.

Speaker 26 (02:12:22):
Hey, Brad, I have a question for you.

Speaker 2 (02:12:24):
Hold on, hold on Bach let them let them, Brad.

Speaker 12 (02:12:26):
But as to that question, you have to write the
least short enough that they have to be there law unlawfully.
A holdover is really unlawful. Which unlawful isn't is something
called an unlawful detainer, And a detainer is when they're
there after you've given them the proper notice. So if
they if if you write the lease for like eleven

(02:12:50):
and a half months, and there for the the day
after that, and then you can give them a three
day notice to terminate tendency because they're they're unlawfully and
after that three days then you can follow a lawsuit
and you're you're good that you know.

Speaker 7 (02:13:05):
You know.

Speaker 24 (02:13:07):
I never would have thought that the government would get
involved with a contract between two parties. I find it's
still egregious that Colorado allows us.

Speaker 26 (02:13:18):
My question, whether anybody has challenged the legality or constitutionality
of doing that? What what makes the government gives them
the authority?

Speaker 24 (02:13:29):
All right, go ahead, put Dan on Put Dan on hold.
So so, Doc, I mean, that's a good question for Brad.
But my guess would be, if you want to be
a landlord in Colorado, you have to deal with Colorado laws.

Speaker 2 (02:13:42):
Yeah.

Speaker 26 (02:13:43):
But but what I'm saying, can't somebody challenge the constitutionality
of that law?

Speaker 2 (02:13:47):
What would the constant? What?

Speaker 24 (02:13:49):
What in the constitution says a Colorado can't dictate that
a landlord must renew a lease under most circumstances. There's
nothing in the con institution about that.

Speaker 26 (02:14:01):
Well, it's it's interfering with the contract between two people.

Speaker 12 (02:14:05):
Okay, Brad, go ahead, chime in for or there might
be an argument of inverse condemnation, which is, you know,
passing some law that takes away property owners. Right, But
I'm not aware of any anybody that's anybody challenging out there,
and I don't have any reason to believe that that
this is not a good law, you know, enforceable.

Speaker 24 (02:14:26):
All right, Dave?

Speaker 2 (02:14:27):
What Dave?

Speaker 24 (02:14:27):
What's going on with you? What's your question on homeowners?

Speaker 2 (02:14:30):
Real quick?

Speaker 6 (02:14:31):
Yeah? I need some free advice from the free advice tree.

Speaker 7 (02:14:35):
What do you got to I want to get rid
of the homeowners insurance company you have.

Speaker 6 (02:14:41):
Yeah, and I still I still have a mortgage on
my house, so there's a more mortgage lender involved. And
I don't know where to start because I don't want
to lind up paying you know, two insurance premiums during
the same month, So I don't know where to start.

Speaker 24 (02:14:56):
Well, that doesn't matter. First thing, do not cancel what
you have in case you can't get another policy. So
step one, I'd call up Compass. Compass is going to
search twenty companies or whomever will fit your needs and
give you different prices. Once that is one hundred percent
binded and that is in place for the year, then

(02:15:16):
you cancel the other one.

Speaker 2 (02:15:18):
They will go back to the date.

Speaker 24 (02:15:20):
Of when you purchase the new one, so you will
not end up paying twice no matter what.

Speaker 6 (02:15:26):
Okay. And then once the new policy is in place,
do they get in touch with the lender or how
does that?

Speaker 24 (02:15:34):
Yeah, your lender will reach out to you and say
who's your new insurance company, or you can proactively send
them the information. But when the other one is gone
and you cancel them, they will get noticed as a
lender then reach out to you and then you provide
them with the new coverage. Okay, but you will not
in Colorado, you will not get charged twice. Is simply

(02:15:57):
same with auto insurance. If you up having coverage overlapping
on the same car or whatever for you know, thirty
sixty days because you forgot to cancel one, it's not
a big deal. Go ahead and put them on hold.
But I want you to remember one important thing I
said today, probably the most important. Do not cancel your

(02:16:18):
current policy until you're one hundred percent positive the new
company has you in place for the entire year, not
like State Farm's agent binding you for thirty days while
State Farm Corporate does an inspection. Because you will be
in a world of hurt if they deny coverage after

(02:16:43):
thirty days. So go for everybody out there, make sure
you're one hundred percent in place before you cancel the
old coverage.

Speaker 2 (02:16:52):
Hangtight.