July 25, 2026 • 37 mins
Handel on the Law. Marginal Legal Advice.
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Speaker 1 (00:00):
You're listenings kf I AM six forty. The bill handles
show on demand on the iHeartRadio f There is a
little town north of where I live here in southern California,
in the Santa Ynez Valley, and in there is it's
sort of an area that was originally sort of Scandinavian.
(00:23):
And in that town is a building which once housed
pea soup Anderson's very famous place that for some crazy
ass reason, the pea soup I had a worldwide reputation,
which I don't understand because I always thought it was terrible,
but people go there. I'm not a big fan of
pea soup anyway. In any case, let me tell you
(00:46):
what happened there is the building that is that it
was housed in is was historical protected building. And this
is why I'm it's up because it's the laws involving
protected building. First of all, the building itself originally started
(01:07):
as a built and built the built Moore Hotel, because
this is built in California. Is the actual town and
it was built in the nineteen twenties, and where the
restaurant was that portion, well, it was protected as the
entire building was. It was built in the nineteen twenties
(01:29):
by this couple, right after electricity came into the Santa
Ynez Valley in nineteen twenty four. Imagine electricity came in
that late. And in January of twenty twenty four, literally
one hundred years later, the COVID pandemic hit and the
restaurant had to close down. And since then the property
(01:50):
has fallen into disrepair. And also the building is a
frequent target for vandals. So now incomes a group or
a business that wants to repurpose it, wants to effectively
tear it down and build where the building was. But
(02:11):
wait a minute, it's protected. So how do you build
and demolish a building that is protected?
Speaker 2 (02:20):
Ah?
Speaker 1 (02:21):
You unprotected, that's what you do. So the city council
voted unanimously to strip the building of its historic landmark protection,
which means that the demolition can now go forward. And
I have I have not seen where there was a
move to unprotect a protected building, but.
Speaker 2 (02:42):
I guess it happens. So good enough.
Speaker 1 (02:45):
All right, kind of interesting. Let's take some phone calls.
Speaker 2 (02:49):
Hey, Larry, welcome, Yeah.
Speaker 3 (02:55):
Shet the speaker bone off? Okay, no radio bill on time?
Ban I got an HOI problem, and I know you
hate those, but I'm stuck here and I don't know
what to do. I'm here out of twelve unit h
o A. There's eighty eight units in an apartment building,
and I'm in one of the four cottages in the back.
(03:16):
I've had troubled with these people for years. There's eleven
people as well that rent, and I'm the only owner left.
They want my place. They're trying everything.
Speaker 2 (03:27):
For years, and I've want your place.
Speaker 3 (03:31):
The president of the association.
Speaker 1 (03:34):
President of the h o A wants your facility for
personal use.
Speaker 2 (03:40):
He wants to keep it, he wants to sell it.
What does he want with it?
Speaker 3 (03:43):
He wants to threaten me by threats of lawsuits for what? Storage?
Speaker 2 (03:50):
For what? For what?
Speaker 3 (03:51):
Larry, I have a little common area behind my little cottage.
Speaker 2 (03:56):
Do you have a what area?
Speaker 3 (03:58):
A little comment? They want? They want to call it
a common area, but it is there's there's four cottages
in the back.
Speaker 1 (04:05):
So you say that, So you have a little common
area behind your cottage?
Speaker 2 (04:09):
All right?
Speaker 1 (04:09):
No?
Speaker 3 (04:10):
Right?
Speaker 2 (04:11):
What do they say they're doing?
Speaker 3 (04:14):
They say, I'm loading it up with storage, are you
it's well.
Speaker 1 (04:19):
Not if it's a common area not if it's a
common area. It's not your back porch. Is it a
common area or is it not?
Speaker 3 (04:29):
I say it isn't.
Speaker 2 (04:30):
No no no no no no no no no no.
Speaker 1 (04:32):
You can say whatever you want. Is it a common area?
According to the c c and RS, they define the
common area. The document itself defines the common area.
Speaker 2 (04:47):
Okay, no matter what you say, it doesn't matter. Now,
are they going to get the place because you're in violation?
Of course not. They're threatening a lawsuit. Okay, let them.
Let them threaten a lawsuit. What are they gonna do?
Speaker 3 (04:58):
Two d and fifty dollars a day he wants that's
that's so much meaning, Yeah, good luck, good luck getting
to fifty a day.
Speaker 2 (05:06):
Come on, Larry, Yeah you know, come on, No, I know,
I know.
Speaker 1 (05:10):
So you just go, you know, you tell him, go
right ahead, go right ahead.
Speaker 2 (05:14):
He's they call.
Speaker 1 (05:17):
The police, Larry, he's harassing you.
Speaker 2 (05:21):
You call the cops.
Speaker 1 (05:23):
And by the way, what does it mean he wants
your place? What does that mean he wants you to give.
Speaker 2 (05:30):
It to him.
Speaker 3 (05:32):
No, he's been the president for twenty five It doesn't matter.
Speaker 1 (05:35):
The ho A doesn't have the ability to take your
your what you own.
Speaker 2 (05:40):
How is that? What does that mean he wants my place?
Speaker 3 (05:44):
Because now he's saying that because I have storage back there,
and believe me, Bill, there's hardly anything back there.
Speaker 2 (05:52):
Okay, I don't care because of that.
Speaker 3 (05:54):
What Yeah, he's uh having the insurance company for the
whole place threatened me by saying he's going to cancel
the insurance because of me and that storage back You.
Speaker 1 (06:05):
Know what, let him going to go ahead, go ahead
and cancel it, Go ahead and cancel it. And now
the ho A is going to file a lawsuit against you,
and it's gonna end up with craziness. But that doesn't
translate into he wants your place. I don't understand what
that means.
Speaker 3 (06:21):
He's acquired two others, so.
Speaker 2 (06:23):
You know what, you say, No, how about this one?
Speaker 1 (06:26):
How How do you force someone to sell a piece
of property when the seller doesn't want to sell it?
Speaker 3 (06:32):
Explain that to me, bye bye by inflicting fines and
fines and pines and fines.
Speaker 1 (06:37):
And then you fight those lines and fines and fines,
and you've in and you go ahead and you fight
those fines and fines because he's being ridiculous.
Speaker 3 (06:45):
That's the bottom line.
Speaker 2 (06:47):
That's it, and.
Speaker 1 (06:47):
You've got to and you unfortunately, you've got to. You've
got to bring someone in. I mean, those fines are ridiculous,
the two hundred and fifty dollars a day fines. Also
looking all right, exactly okay, So he's going into court,
all right on behalf of the eh. The ho assues
you and he's the one that testifies, and he says
(07:11):
two hundred and fifty dollars a day, and the court
asks him where did you get that figure?
Speaker 2 (07:16):
I made it up, your honor, doesn't it? Say?
Speaker 3 (07:19):
Exactly right?
Speaker 2 (07:20):
Yeah, exactly right.
Speaker 1 (07:21):
And you're worried about that, okay, goodbye him? All right,
good excellent, get worried.
Speaker 2 (07:28):
This is where I have no patience. Good God, leave
me alone.
Speaker 1 (07:34):
Call eight eight eight eight eight eight eight sixty six
eight and exactly when I say you get a lawyer.
One of the lawyers that I'm suggesting is on handle
on the law dot com. And this is exactly what
they deal with personal injury representing you when either you've
gotten a run around with a lawyer, you've been injured
in a car accident, a slip and fall, don't know
where to go.
Speaker 2 (07:55):
So these lawyers are vetted.
Speaker 1 (07:57):
I make the phone call if there's a problem date
eight eight sixty six eight or visit handle on the
law dot com. Handle on the law dot com. This
is handle on the law and.
Speaker 4 (08:09):
You're listening to Bill Handle on demand from KF I
am six forty.
Speaker 1 (08:15):
Marginal legal advice, where I tell you you.
Speaker 2 (08:18):
Have absolutely no case. Hi, Sue, welcome, Hi Bill.
Speaker 5 (08:24):
Yes, go ahead, Okay, So I want to know if
we have a knee case, we purchase my husband actually
transfer his IRA, purchased what live shares?
Speaker 1 (08:38):
Okay, purchase shares okay from his retirement Okay, purchase shares.
Speaker 2 (08:44):
Of what.
Speaker 5 (08:47):
Live shares.
Speaker 3 (08:47):
I call it the policy, okay.
Speaker 2 (08:50):
The person insurance policy.
Speaker 6 (08:51):
All right, so there is a premiance to be paid.
And so what happened The.
Speaker 5 (08:59):
Company went under receivership.
Speaker 6 (09:01):
And now it's under CHU eleven, myke, and we missed
the pain the premium and there was due. Now they
won't allow me to make it. And they say that
if you didn't make your premium, look you lost your
whole ninety two thousand dollars.
Speaker 1 (09:16):
You can't like yeah, wow wow yeah. All right, let's
start with why why do you miss the payment?
Speaker 5 (09:26):
Forgot fort okay, just forgot it.
Speaker 1 (09:29):
All right, and if you uh and if you miss
a payment, they keep the entire amount of money.
Speaker 2 (09:36):
Uh, that's what That's what the contract says. Correct.
Speaker 5 (09:40):
Apparently that's what they said, because they say, we're not
going to notify you again.
Speaker 2 (09:44):
Yeah, we knew. So hang on a minute.
Speaker 1 (09:47):
I mean that's a pretty egregious contract, which may be
illegal on its face.
Speaker 2 (09:52):
I don't know. But didn't your husband read the documents?
Speaker 3 (09:58):
No?
Speaker 5 (09:58):
Actually I do all so okay, so.
Speaker 2 (10:01):
How who convinced them to put the money in?
Speaker 5 (10:04):
Hey, it was a good investment. There was born buffing
this blah blah blah, and we had ninety two thousand
dollars that we could Yeah.
Speaker 1 (10:12):
Yeah, something is really weird about that. I'm telling you
it's yeah, I'm missing something on this. But if you're
talking about you're buying an insurance policy that if you
miss one day then you've lost all the money you've
put into it, I you know, I don't understand how
(10:36):
that that can fly. I can understand that you're knowing. Well,
maybe I don't understand. I don't know the answer to that.
So yeah, I don't know the answer. So you get
to talk to a lawyer about that, because I'm a
little confused as to you buy an annuity or you
buy an insurance policy and you keep on paying premium,
so I guess the down payment and if you miss
(10:57):
one day, you're out everything.
Speaker 2 (11:00):
Yeay, I don't know how that works. I don't Frank, Hey, Frank,
good morning, Bill. Yes, sir, what can I do for you?
Speaker 7 (11:10):
I have a question? Can we sue the HOA? And
the reason is all the homes in my neighborhood are
tan or light brown, and this one knucklehead lady you
put on the request that she wanted to paint her house,
and she got the first form signed off by all
(11:33):
the neighbors. Yeah, that's great, you're gonna paint your house.
But then the second form, which shows what color she's
going to paint the house, No one signed off on that, okay,
and the homeowners association gave the green light for her
to paint the house. But the color that she painted
her house is cant and the hat blue.
Speaker 1 (11:56):
Oh that's interesting, and no one but the HOA signed
off on it correct, allowing the blue paint correct.
Speaker 7 (12:04):
And we want we have got to three four months
worth of HOA that meets once a month's meetings, and
we have repeatedly asked, and.
Speaker 2 (12:14):
They're just saying, too bad.
Speaker 1 (12:16):
Who and it was at the who signed off on
behalf of the HOA.
Speaker 7 (12:22):
It's a committee of like three or four more members. Yeah,
and the question is the problem with decision it brings
the value of the neighbors down.
Speaker 2 (12:33):
Yeah.
Speaker 1 (12:33):
No, uh, well, this is really interesting. This is it's
it's a decent question. And here's what I would do.
And again I don't know the exemption here whether individuals
on the board can be held liable. Now, you can
sue the HOA directly, but then that's you.
Speaker 2 (12:53):
That's the problem. You're suing yourself.
Speaker 1 (12:56):
Hopefully you can sue those members who signed off on
a blue paint because they're in violation of the CCNRS.
They have caused the diminuation of the domusion, diminuation of
the value of the property. What they did cause the
value of each home to drop ten thousand dollars, let's say.
(13:19):
And the ccnr's I don't think they allow that implicitly
unless it says specifically the HOA has the ability to
override any restriction as to color.
Speaker 2 (13:36):
So you've been screwed.
Speaker 1 (13:37):
By that board. Frank, all of your neighbors have been screwed.
I'm going to suggest that all how many units are in.
Speaker 2 (13:44):
This place, that's for fifty all right? I would petition.
Speaker 1 (13:51):
I would petition, send out emails to every member and
say we've got we have to get a lawyer on this,
and go after the HOA and those people who have
agreed to the sign off on that blue paint because
that decision cost all of us X number of dollars.
I would also get a real estate agent or two
(14:13):
or three to give you a value of the home,
do some kind of a comp and ask a very
simple question, how much does my home? How much is
my home reduced in value because that house is blue?
Speaker 2 (14:28):
You should get an answer?
Speaker 7 (14:31):
Okay, okay, okay, now you know here I have a
second fight real quick. Here. Here's a funny thing. Another
home a couple of years ago painted their house white,
and the HLA said, you cannot paint your house white.
So the homeowner said, well, if you buy the paint,
will we will repaint it and association reimburse the homeowners
(14:57):
the paint so they could paint their house to the.
Speaker 2 (15:00):
Okay, trend question, what's your question.
Speaker 7 (15:04):
Well, the lady the painted her house cat and the
hat and blue. I asked her, would you consider pain
in your house? And she goes, if the association will
pay for my paint, I'll paint the house. Again. I
want to be a good neighbor here. So when we
ask the association, the homeowner said, if you and reimburse
(15:27):
her for the paint, she will paint her house.
Speaker 2 (15:30):
Because you guys and the said no to that.
Speaker 1 (15:34):
Correct, you know all the costs, And I think it's
important for you guys to acknowledge this because I think
you know ninety percent of the cost of painting a
house is the labor, not the paint. So you have
an hoa that is screwing the owners of those properties
and what they're still doing.
Speaker 2 (15:56):
I mean, I don't understand why there is not.
Speaker 1 (15:58):
An emergency meeting being called by the neighbors the members
of the association to throw those people off the association
and replace them. The CCNRS I think allowed that because
to allow you under those circumstances, Frank, this is crazy, right, Yeah,
this is completely nuts. So there are a bunch of
(16:20):
ways to do it, and you do it by attacking
that committee that said yes to the blue, attacking the
members of the committee that won't reimburse for paint as
she's willing to paint.
Speaker 2 (16:34):
I just want my money.
Speaker 1 (16:35):
Back on the paint and said okay to someone else.
Speaker 2 (16:39):
Yeah, time for a.
Speaker 1 (16:41):
Brand new HOA or at least those members who voted
that way. Now, I want to tell you about your privacy.
You don't have any People think they have privacy, but
you're dreaming. Everything about you is available online. Your home address,
where you work, where you bank, what you buy, court records,
insurance records, DMV information, credit score. I mean, it goes
(17:05):
on forever. It's not hard to get. And let me
tell you what happens. All of your information is collected
by hundreds of data brokers and then they.
Speaker 2 (17:16):
Sell it to anyone who wants to buy it.
Speaker 1 (17:18):
And your data and your privacy is toast. I can
find out everything about you now. In Cogni is a
company that comes into play and actually fights back. In
Cogni contacts hundreds of these data brokers and legally demand
your information be deleted, and it does.
Speaker 2 (17:34):
In Cogny. I'm a huge fan.
Speaker 1 (17:37):
Why well, I'm a customer and before the show every
morning when I do the show. I log onto Incogni
and there it is hundreds of removal requests, that's what's
going on. Hundreds more are in progress, and I see
all of it. And you can do that every day
if you want. That's in Cogny sixty percent off. When
you use my last name. Handle go to in cogni
(17:59):
dot com slab handle I n C O G n
I incognit dot com slash handle.
Speaker 2 (18:05):
This is Handle on the Law.
Speaker 4 (18:08):
You're listening to Bill Handle on demand from kf I
AM six forty.
Speaker 2 (18:14):
All right, Mike, Hello, Mike, welcome to Handle on the Law.
Mike there.
Speaker 8 (18:18):
Oh sorry, yeah, Hi. I had brain surgery a year
ago and there was a problem with it and they
sent me to a headache specialist and he told me
off record.
Speaker 3 (18:33):
That there was.
Speaker 8 (18:36):
There were complications and they're trying to treat me now,
but he said that they're long term. So I need
to know if I have any rights.
Speaker 1 (18:45):
Well, of course you have rights, and if they blew it,
if they made a mistake.
Speaker 2 (18:50):
Then I know certainly you've got a case against them.
Speaker 1 (18:53):
But as soon as you said he told you off
the record, which gives you an idea of someone who
doesn't want to get involved at all. So off the
record Mike means nothing. It means nothing. You have to
have everything on the record. So you're going to need
a medical opinion from an expert. And we're talking about
(19:16):
a neurosurgeon or a neurologist or whatever. I know you
have headaches or whatever it is, headache specialists, because I
have those, you know, pain management people who deal with
headaches to point the finger to that surgery and say
that's what caused it, that's what caused injury.
Speaker 8 (19:32):
I'm sorry, right, I'm part all these arbitration taps.
Speaker 1 (19:35):
Yeah, but I mean if it malpractice, you know what, Mike,
malpractice is malpractice.
Speaker 2 (19:39):
You can't wave malpractice.
Speaker 1 (19:41):
The only thing you can do, and they will do
is force you to arbitrate that they can force you
to do. Uh. But there are ways out of that too,
So you have to talk to a medical malpractice attorney.
Speaker 9 (19:53):
Yeah.
Speaker 1 (19:54):
So I need to know if you could give me
a recommend Yeah, go to Handle, you know what, Go
to Handle on the law dot com and see if
they can help you. There should be a referral there, okay,
and see if it works. And you know it might
be that the attorneys don't want it because what are
the damages? Headaches? What are headaches worth? Okay, and there
(20:15):
were some money, headaches for the rest of your life.
Now is it millions of dollars?
Speaker 10 (20:20):
No?
Speaker 1 (20:21):
Is it worth it for an attorneys to come in.
Keep in mind, I mean you're going after doctors. So
based on what he said, it sounds like there's some
kind of malpractice, But maybe the damages aren't great enough
to get an attorney involved because fighting a medical group
the size man, you're fighting some big, big lawyers who
are saying we did nothing wrong.
Speaker 2 (20:43):
That's one of a matter of fact.
Speaker 1 (20:45):
Back to that consent form where you agree to arbitration,
where he agrees to arbitration, there's a whole list of
what can happen, and you take the risk. Now, you
can't waive medical malpractice. That you can't sign away. But
if a certain percentage of people suffer that kind of
(21:06):
an injury or that kind of a consequence, let's say
three percent, do it, you sign off?
Speaker 3 (21:12):
You go.
Speaker 1 (21:12):
Three percent of people who engage in the surgery have
this consequence. I have headaches forever, migraines. You happen me
to be one of three percent? Hey, that's there's no
lawsuit there at all.
Speaker 2 (21:28):
Hi Marie, welcome to handle on the law. Hi, Hi Belle,
how I am yes, ma'am okay. So I have a question.
Speaker 11 (21:35):
I have a My fourth grade son, ten years old,
was physically beat a bet school. He was jumped by
three other classmates from to the floor, kicked, punched, and
slapped in the stomach, back and head. It was he
didn't tell me. I saw the bruises on him later
because I guess the bullying had continued stocking in after
they initially jumped him, either prior to or after. I
(21:59):
can we haven't been able to get a time. But
I saw bruising Oliver's body, so I reported it to
the school. I sent him to school the next day,
called the principal everything's documented to be an email he
saw it. My son got sick and go to school for.
Speaker 7 (22:14):
Another three days.
Speaker 2 (22:14):
Came back.
Speaker 11 (22:15):
The vice principal was like, you should be ashamed of
your behavior. Everything was turned around him. There was three
other witnesses aside from the three people that jumped him,
and now they're saying, well, they barely hit him. It
wasn't that big of a deal. So they didn't believe
my son completely, even though I sent him with blue
bruises and a cut. So I contacted the police department,
(22:36):
made an incidentt report that day.
Speaker 2 (22:38):
Which was a Tuesday.
Speaker 11 (22:39):
The next day and the police department told me, I'll
go in to school with.
Speaker 3 (22:41):
You the next day.
Speaker 11 (22:42):
So they walked and just me the next day on Wednesday,
and they had told me they had assured me when
he went back to school that there was a safety
plan put in place.
Speaker 2 (22:51):
There's a no contact over everything still happened.
Speaker 11 (22:54):
He came back, he came home, he was crying. This
is what happened. The vice principal is now accusing me
of feeling guilty of my behavior. I don't know what
she's talking about. What's going on, Mom, I'm the one
that got beat up. I'm like, okay, everything's been documented.
We had so we were able to get an I e.
P attorney because he had an IEP that and he's
not getting being deprived of his education because he hasn't
(23:15):
been in school and the safety fund that they did
put in place did not work and they haven't put
a new one in place.
Speaker 7 (23:20):
It continued.
Speaker 2 (23:21):
Everything's been documented.
Speaker 11 (23:23):
We had an IEP meeting with the school district, nine people.
They could still not give me any answers. All they
did was make derogatory statements and I videoed it. I
had permission to video it. I sent you all my
paperwork correctly. So we contacted an IP attorney. They informed
me that my son's in fourth grade, but he is
severely dyslexic. Have I ever been informed?
Speaker 2 (23:42):
I said no.
Speaker 7 (23:43):
He said these are your test results.
Speaker 11 (23:45):
So I'm upset about that. And now they're trying to
see if they can test him out, if he doesn't
even need an IP anymore, just to kind of get
rid of me. I need a compensation attorney because I don't.
Speaker 2 (23:56):
Talk about it. That's going to be tough.
Speaker 1 (23:59):
That's sounds wi really complicated, and it looks like every
witness who was I understand he's been. But the problem
that's basically on what your son says.
Speaker 2 (24:12):
Correct.
Speaker 7 (24:13):
Well, he came to the table first with black and
blue blue.
Speaker 2 (24:16):
No, I'm not arguing that. I'm not arguing that.
Speaker 1 (24:18):
For example, this issue, everybody's calling me gay. Have you
heard it? Have other kids say, yeah, he's being called gay?
Because it looks like all the people that they've that
they've interviewed plus the three people that jumped your kid
are all basically testifying against your kid.
Speaker 11 (24:40):
One of there's three other people that saw the jumping incident,
and they did say that he did get jumped.
Speaker 1 (24:46):
I'm not arguing that, but they said it's no big
deal because that's what you said the school district. Correct, okay,
But again, did anybody interview those kids other than the
school district?
Speaker 2 (24:57):
Yes, okay, and they said let him. They said he
was beat up pretty well, get back when I got home.
Speaker 3 (25:04):
When I.
Speaker 1 (25:06):
Understand, okay, So uh you need a I guess a
personal injury lawyer. But it's very, very tough. They're basically
going to say, you know, your kid has to go
to another school.
Speaker 2 (25:19):
Clearly been back. I'm sorry he hasn't been back to school. Well,
he's got to go to school, and you just have
to go to another school. What do you do go
back to this? You have him go back to the
same school. No, I haven't.
Speaker 11 (25:38):
That's why I just pulled him out.
Speaker 3 (25:39):
I just whatever, right of.
Speaker 2 (25:40):
Course you do. But what do you what do you
plan on doing?
Speaker 1 (25:42):
I mean, forget about the legal issue right now, what
do you plan on doing with your kid?
Speaker 2 (25:45):
Never?
Speaker 11 (25:45):
How long do you a month and no one will
take him.
Speaker 7 (25:49):
Would have taken him.
Speaker 1 (25:50):
Then, I don't know if they don't get that because
it's by law the kid has to be able to
go to school.
Speaker 11 (25:58):
They have not even called to see if he's.
Speaker 2 (26:00):
I don't even don't. I don't get it.
Speaker 1 (26:02):
I mean you you could be why not let my
child go to school?
Speaker 2 (26:06):
I mean you are violating law.
Speaker 11 (26:09):
That would be true if we didn't if I didn't
do other proper steps. But I contacted Task, which was
a nonprofit, and they said, if you take these steps
and put these letters in place, So I did all
that and told them I want a safety plan so
I can go back.
Speaker 1 (26:22):
This is I tell you, Marie, this is way above
my pay grade in terms of trying to figure this out.
Speaker 2 (26:29):
I wouldn't even know where to go on this.
Speaker 1 (26:32):
I mean there are so many issues involved, Uh, you know, compensation.
Speaker 2 (26:36):
I don't even know where you go on that. You
sue the school board for what?
Speaker 1 (26:40):
Because the kid isn't going to school, let's say that,
but the kid is, they have to take the kid.
Speaker 2 (26:45):
You're not letting the kid go to school. So it's
I don't know what to do now.
Speaker 1 (26:51):
Talking about going to handle on the law dot com.
It's all about you being injured a car accident, slip
and fall and go to a big box store or
in the box fell on you.
Speaker 2 (27:01):
Whatever.
Speaker 1 (27:02):
So if you've been injured and it's not your fault
and you're pretty banged up, let me suggest going to
the website Handle on the law dot com. We've been
hearing about this all hour with people that have all
kinds of issues. So call eight eight eight a day
to eight eight six six eight a day eight a
da ate eight eight six six eight visit handle on
the law dot com. This is Handle on the Law.
Speaker 4 (27:24):
You're listening to Bill Handle on demand from KF I
am six forty.
Speaker 1 (27:32):
Marginal legal advice where I tell you have no case.
Speaker 2 (27:37):
Hi, Jane, welcome to Handle on the Law.
Speaker 10 (27:41):
Hello, thank you. I have an issue that I can
never figure out with Southern California Edison.
Speaker 2 (27:48):
Southern California Edison. All right, go ahead.
Speaker 10 (27:52):
Really, they sent me a renewal as a low income senior,
which I am, and for care. They sent me renewal
for it to prove that I'm still eligible, which I am,
and I have all the papers and the taxes.
Speaker 3 (28:05):
And blah blah.
Speaker 10 (28:06):
So I sent that in the timely fashion, and then
nothing happened. It came back coming being built up the
straight breaks other rates, not the low incomes any rate,
and I do so. Okay, So I have spent the
last year and the third sending them books of the papers.
(28:28):
Nothing's going to return to MEI faction the papers. That
doesn't work.
Speaker 2 (28:33):
All right, So they're not cooperating.
Speaker 10 (28:35):
Find that office. I cannot find an office. I can't.
Speaker 2 (28:38):
Yeah, they don't.
Speaker 1 (28:39):
Yeah, offices don't exist. You can't find any office, you know.
Strangely enough, you know where you do find offices who
and people do a great job and the service is spectacular.
Not that this is totally divorced from that. Social security
offices used to be the worst. They're the best now.
But anyway, that's just for anybody going so Security office.
(29:01):
Now you're dealing with so cal edison and I'm not
surprised that there's no office you can go to and
they just refuse, refuse to refuse to deal with you.
Speaker 10 (29:10):
Okay, So it's a four D phone calls.
Speaker 1 (29:16):
Phone, Yeah, phone calls don't do it. So two things
you can do. One of two things is ask for
and appeals. Even though they haven't made a decision.
Speaker 2 (29:26):
Can you appeal it? I don't know.
Speaker 1 (29:29):
You may also want to find out since so cal
Edison is controlled by the PUC, it's a state agency. Yeah,
California Public Utilities Commission. Go to them and start talking,
ask for a form, and explain what happened. Because what's
(29:50):
happened with you, Jane, is so egregious that if I
see someone who is looking at what happened, I'm jumping
on it. So do that. That's one, Okay, immediately go
to the PUC. The other person. The other thing to
go to is your assembly, your assembly person or your senator,
(30:12):
state senator, because all of those offices have something called
the ombudsman office.
Speaker 2 (30:17):
Or the ombitz person because you can't say man.
Speaker 1 (30:21):
And those are people attached to the offices of your
elected official, in this case state officials, senator or assembly.
Speaker 2 (30:28):
Person that do nothing but help people. That's what they do.
Speaker 1 (30:32):
They help people navigate the crazy stuff in government.
Speaker 2 (30:36):
So those are the two areas I would go to
and see if they help. How old are you almost?
Speaker 5 (30:41):
Oh?
Speaker 2 (30:42):
You want to do it quick because you're very close
to dying.
Speaker 10 (30:44):
Okay, we could all go anytime, don't well, yeah, I.
Speaker 1 (30:49):
Heard probably Jane closer than me, but that's still okay.
Speaker 2 (30:54):
Pearl, Hello, Pearl, welcome.
Speaker 9 (30:56):
Yeah, thank you, Bill. I'm leaning on you totally here.
Speaker 2 (31:00):
Okay, Pearl, you have to number one. You have to
speak louder. Okay, that's for starters. Okay.
Speaker 9 (31:07):
And I have a throat condition, so that doesn't help me.
Speaker 2 (31:11):
Okay, got it. Pearl. How old are you?
Speaker 9 (31:14):
I'll be eighty nine in August.
Speaker 2 (31:16):
Wow? Okay.
Speaker 1 (31:17):
I mean you sound old as old as dirt, and
you are old as dirt, and.
Speaker 2 (31:21):
You still sound together. Good for you, I mean so far,
you're fairly lucive.
Speaker 9 (31:26):
Buying a house years ago. Yes, I bought a house
sixty three years ago.
Speaker 2 (31:31):
Sixty three years ago. Oh, it's good for you. I'm
assuming it's paid off.
Speaker 9 (31:35):
I hope so. But somebody got on my contract?
Speaker 1 (31:40):
Oh me, someone hold on? Oh hold on, someone got
on your contract. What kind of contract do you have
with a house of sixty three years old?
Speaker 9 (31:48):
My house? I was paying on my house.
Speaker 1 (31:51):
Okay, hold on a minute, you were paying Okay, hold on,
you were paying on your house.
Speaker 2 (31:55):
You have a mortgage on your home?
Speaker 9 (31:57):
Correct, that's because I got demorsed. I gave him twenty
thousand dollars.
Speaker 1 (32:02):
Okay, so you had to borrow money against the house
to give your ex twenty thousand dollars.
Speaker 2 (32:08):
Is that correct? Yes, sir, okay, got it? All right? Good, good,
all right.
Speaker 1 (32:13):
So I don't understand that someone came on your contract.
Speaker 2 (32:17):
What does that mean?
Speaker 9 (32:19):
I was buying my house through a bank. Now I
can't remember that. I didn't have the paperwork here in
front of me.
Speaker 2 (32:29):
Okay, now you're starting to sound eighty nine. Good for you.
All right.
Speaker 1 (32:32):
So I don't understand what you mean by someone's name
on your contract?
Speaker 2 (32:37):
Do they now?
Speaker 9 (32:38):
Is someone's name on your contact?
Speaker 2 (32:40):
Okay?
Speaker 9 (32:41):
I don't understand contact. When Bank of America bought off
my bank bought off my bank, I found out that
somebody else is on my contract.
Speaker 1 (32:53):
And okay, I understand someone else is on your mortgage
paying the mortgage. Yes, okay, that doesn't matter. Really, The
important thing is anybody is on title on your land,
on your house, does anybody else?
Speaker 2 (33:07):
Is it just your name? Per Yes?
Speaker 9 (33:11):
That was then the only one on my top.
Speaker 2 (33:14):
Then you're okay.
Speaker 1 (33:15):
Then toust to the bank and say, hey, if someone
else is responsible for paying your mortgage, that's great.
Speaker 9 (33:23):
I'm the one.
Speaker 2 (33:24):
Paying I understand, because you own the house. I understand.
Speaker 1 (33:28):
But you're not being harmed by someone else being responsible
for your loan. And so all you do is contact
the bank and you say, hey, I'm the one that
took out the mortgage.
Speaker 2 (33:36):
Right now, you're a pretty good shape, Pearl.
Speaker 1 (33:38):
It would not be you would not be in good
shape if someone also owned the.
Speaker 2 (33:42):
House with you and have title. Then you have a
mess on your hand. I'm sorry, letter.
Speaker 9 (33:49):
They want to start paying taxes on my house.
Speaker 2 (33:52):
Okay, now, okay, I understand, Pearl.
Speaker 1 (33:57):
You say, no, you pay, you pay your taxes, you
pay them.
Speaker 9 (34:03):
I pay my own tax good good.
Speaker 1 (34:05):
And so what's happening is someone is clearly by the
fact that they're starting to pay taxes, there is something
called adverse possession, which means they're sort of setting it
up for them to own your property. But the rules
are such that simply paying taxes for a house that
you pay taxes on that you own, uh, and the
(34:27):
mortgage is in your name, even though they're now arguing
that their name is on the mortgage.
Speaker 2 (34:33):
Yes, how do you know their name is on the mortgage?
How do you know their name is on the mortgage.
Speaker 9 (34:37):
I had somebody that's sending me mail with their name
on it.
Speaker 2 (34:42):
Okay, Pearl, it doesn't matter their name.
Speaker 1 (34:45):
They can do whatever they want. They can send you
mail like crazy.
Speaker 2 (34:49):
I get.
Speaker 1 (34:49):
I get the scam mail all the time. I think
at this point, you're okay, go to the bank and
make sure that you are the one that's paying taxes.
Speaker 2 (35:00):
Also, go to the recorder's office, and you can do
this all on the internet. You know what a computer is.
Speaker 9 (35:08):
To do it with internet or anything.
Speaker 2 (35:11):
Okay, go to the All right, well, what a shocker.
Speaker 1 (35:13):
They don't have anything to do with it because they
didn't even have typewriters when you came into being. Okay, now,
go to the library and ask the librarian to help
you do the research to find out if they're accepting
your taxes, and you'll be following if you get it
doesn't matter how many letters you get per don't worry
(35:34):
about it. It's that that means nothing. Although it's pretty scary,
I understand because I get stuff like that all the time.
And I'm I'm not saying I'm sophisticated, but I'm certainly hip.
I certainly am hip, I am certainly aware of all
the scams. And you know, when you're eighty nine, you
don't know anything about computers, and all of a sudden
you're getting a letter saying, hey, we're paying the taxes,
(35:57):
don't worry about it, or we own your property.
Speaker 2 (36:01):
That becomes a problem.
Speaker 1 (36:03):
I'll tell you what is easy, and that is finding
information about you. You talk about social media, how about this.
There's no privacy online. You can find out virtually anything
about anybody because everything is available about you online. Your
home address, where you work, or you bank, what you buy,
where you buy it, court records, DMV information, your credit score.
(36:25):
I mean that goes on forever. It's all out there
and it is not hard to get. And because your
information is out there, hundreds of data brokers collect that
information and then sell it to anybody who wants to
buy it. And now the bad guys can pick it up.
Even the bad guys can buy this, and so you're vulnerable.
And this is where in Cogni comes into play, a
(36:47):
company that fights back for you. They contact hundreds of
these data brokers and legally demand your information be deleted,
which they have to do. That's what Incogni does, and
before every show, I log to my I log onto
my incognity account and there there are hundreds of removal
requests completed. Hundreds more are in progress and scheduled. That's
(37:10):
in cognity I n c O g n I I
n coog n I in Cogniti dot com. Sixty percent
off when you use my last name handle that's in
cognate dot com. And use my name handle this is
handle on the law.
Speaker 2 (37:29):
You've been listening to the Bill Handle show.
Speaker 1 (37:31):
Catch my Show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app
You're listenings kf I AM six forty. The bill handles
show on demand on the iHeartRadio f There is a
little town north of where I live here in southern California,
in the Santa Ynez Valley, and in there is it's
sort of an area that was originally sort of Scandinavian.
(00:23):
And in that town is a building which once housed
pea soup Anderson's very famous place that for some crazy
ass reason, the pea soup I had a worldwide reputation,
which I don't understand because I always thought it was terrible,
but people go there. I'm not a big fan of
pea soup anyway. In any case, let me tell you
(00:46):
what happened there is the building that is that it
was housed in is was historical protected building. And this
is why I'm it's up because it's the laws involving
protected building. First of all, the building itself originally started
(01:07):
as a built and built the built Moore Hotel, because
this is built in California. Is the actual town and
it was built in the nineteen twenties, and where the
restaurant was that portion, well, it was protected as the
entire building was. It was built in the nineteen twenties
(01:29):
by this couple, right after electricity came into the Santa
Ynez Valley in nineteen twenty four. Imagine electricity came in
that late. And in January of twenty twenty four, literally
one hundred years later, the COVID pandemic hit and the
restaurant had to close down. And since then the property
(01:50):
has fallen into disrepair. And also the building is a
frequent target for vandals. So now incomes a group or
a business that wants to repurpose it, wants to effectively
tear it down and build where the building was. But
(02:11):
wait a minute, it's protected. So how do you build
and demolish a building that is protected?
Speaker 2 (02:20):
Ah?
Speaker 1 (02:21):
You unprotected, that's what you do. So the city council
voted unanimously to strip the building of its historic landmark protection,
which means that the demolition can now go forward. And
I have I have not seen where there was a
move to unprotect a protected building, but.
Speaker 2 (02:42):
I guess it happens. So good enough.
Speaker 1 (02:45):
All right, kind of interesting. Let's take some phone calls.
Speaker 2 (02:49):
Hey, Larry, welcome, Yeah.
Speaker 3 (02:55):
Shet the speaker bone off? Okay, no radio bill on time?
Ban I got an HOI problem, and I know you
hate those, but I'm stuck here and I don't know
what to do. I'm here out of twelve unit h
o A. There's eighty eight units in an apartment building,
and I'm in one of the four cottages in the back.
(03:16):
I've had troubled with these people for years. There's eleven
people as well that rent, and I'm the only owner left.
They want my place. They're trying everything.
Speaker 2 (03:27):
For years, and I've want your place.
Speaker 3 (03:31):
The president of the association.
Speaker 1 (03:34):
President of the h o A wants your facility for
personal use.
Speaker 2 (03:40):
He wants to keep it, he wants to sell it.
What does he want with it?
Speaker 3 (03:43):
He wants to threaten me by threats of lawsuits for what? Storage?
Speaker 2 (03:50):
For what? For what?
Speaker 3 (03:51):
Larry, I have a little common area behind my little cottage.
Speaker 2 (03:56):
Do you have a what area?
Speaker 3 (03:58):
A little comment? They want? They want to call it
a common area, but it is there's there's four cottages
in the back.
Speaker 1 (04:05):
So you say that, So you have a little common
area behind your cottage?
Speaker 2 (04:09):
All right?
Speaker 1 (04:09):
No?
Speaker 3 (04:10):
Right?
Speaker 2 (04:11):
What do they say they're doing?
Speaker 3 (04:14):
They say, I'm loading it up with storage, are you
it's well.
Speaker 1 (04:19):
Not if it's a common area not if it's a
common area. It's not your back porch. Is it a
common area or is it not?
Speaker 3 (04:29):
I say it isn't.
Speaker 2 (04:30):
No no no no no no no no no no.
Speaker 1 (04:32):
You can say whatever you want. Is it a common area?
According to the c c and RS, they define the
common area. The document itself defines the common area.
Speaker 2 (04:47):
Okay, no matter what you say, it doesn't matter. Now,
are they going to get the place because you're in violation?
Of course not. They're threatening a lawsuit. Okay, let them.
Let them threaten a lawsuit. What are they gonna do?
Speaker 3 (04:58):
Two d and fifty dollars a day he wants that's
that's so much meaning, Yeah, good luck, good luck getting
to fifty a day.
Speaker 2 (05:06):
Come on, Larry, Yeah you know, come on, No, I know,
I know.
Speaker 1 (05:10):
So you just go, you know, you tell him, go
right ahead, go right ahead.
Speaker 2 (05:14):
He's they call.
Speaker 1 (05:17):
The police, Larry, he's harassing you.
Speaker 2 (05:21):
You call the cops.
Speaker 1 (05:23):
And by the way, what does it mean he wants
your place? What does that mean he wants you to give.
Speaker 2 (05:30):
It to him.
Speaker 3 (05:32):
No, he's been the president for twenty five It doesn't matter.
Speaker 1 (05:35):
The ho A doesn't have the ability to take your
your what you own.
Speaker 2 (05:40):
How is that? What does that mean he wants my place?
Speaker 3 (05:44):
Because now he's saying that because I have storage back there,
and believe me, Bill, there's hardly anything back there.
Speaker 2 (05:52):
Okay, I don't care because of that.
Speaker 3 (05:54):
What Yeah, he's uh having the insurance company for the
whole place threatened me by saying he's going to cancel
the insurance because of me and that storage back You.
Speaker 1 (06:05):
Know what, let him going to go ahead, go ahead
and cancel it, Go ahead and cancel it. And now
the ho A is going to file a lawsuit against you,
and it's gonna end up with craziness. But that doesn't
translate into he wants your place. I don't understand what
that means.
Speaker 3 (06:21):
He's acquired two others, so.
Speaker 2 (06:23):
You know what, you say, No, how about this one?
Speaker 1 (06:26):
How How do you force someone to sell a piece
of property when the seller doesn't want to sell it?
Speaker 3 (06:32):
Explain that to me, bye bye by inflicting fines and
fines and pines and fines.
Speaker 1 (06:37):
And then you fight those lines and fines and fines,
and you've in and you go ahead and you fight
those fines and fines because he's being ridiculous.
Speaker 3 (06:45):
That's the bottom line.
Speaker 2 (06:47):
That's it, and.
Speaker 1 (06:47):
You've got to and you unfortunately, you've got to. You've
got to bring someone in. I mean, those fines are ridiculous,
the two hundred and fifty dollars a day fines. Also
looking all right, exactly okay, So he's going into court,
all right on behalf of the eh. The ho assues
you and he's the one that testifies, and he says
(07:11):
two hundred and fifty dollars a day, and the court
asks him where did you get that figure?
Speaker 2 (07:16):
I made it up, your honor, doesn't it? Say?
Speaker 3 (07:19):
Exactly right?
Speaker 2 (07:20):
Yeah, exactly right.
Speaker 1 (07:21):
And you're worried about that, okay, goodbye him? All right,
good excellent, get worried.
Speaker 2 (07:28):
This is where I have no patience. Good God, leave
me alone.
Speaker 1 (07:34):
Call eight eight eight eight eight eight eight sixty six
eight and exactly when I say you get a lawyer.
One of the lawyers that I'm suggesting is on handle
on the law dot com. And this is exactly what
they deal with personal injury representing you when either you've
gotten a run around with a lawyer, you've been injured
in a car accident, a slip and fall, don't know
where to go.
Speaker 2 (07:55):
So these lawyers are vetted.
Speaker 1 (07:57):
I make the phone call if there's a problem date
eight eight sixty six eight or visit handle on the
law dot com. Handle on the law dot com. This
is handle on the law and.
Speaker 4 (08:09):
You're listening to Bill Handle on demand from KF I
am six forty.
Speaker 1 (08:15):
Marginal legal advice, where I tell you you.
Speaker 2 (08:18):
Have absolutely no case. Hi, Sue, welcome, Hi Bill.
Speaker 5 (08:24):
Yes, go ahead, Okay, So I want to know if
we have a knee case, we purchase my husband actually
transfer his IRA, purchased what live shares?
Speaker 1 (08:38):
Okay, purchase shares okay from his retirement Okay, purchase shares.
Speaker 2 (08:44):
Of what.
Speaker 5 (08:47):
Live shares.
Speaker 3 (08:47):
I call it the policy, okay.
Speaker 2 (08:50):
The person insurance policy.
Speaker 6 (08:51):
All right, so there is a premiance to be paid.
And so what happened The.
Speaker 5 (08:59):
Company went under receivership.
Speaker 6 (09:01):
And now it's under CHU eleven, myke, and we missed
the pain the premium and there was due. Now they
won't allow me to make it. And they say that
if you didn't make your premium, look you lost your
whole ninety two thousand dollars.
Speaker 1 (09:16):
You can't like yeah, wow wow yeah. All right, let's
start with why why do you miss the payment?
Speaker 5 (09:26):
Forgot fort okay, just forgot it.
Speaker 1 (09:29):
All right, and if you uh and if you miss
a payment, they keep the entire amount of money.
Speaker 2 (09:36):
Uh, that's what That's what the contract says. Correct.
Speaker 5 (09:40):
Apparently that's what they said, because they say, we're not
going to notify you again.
Speaker 2 (09:44):
Yeah, we knew. So hang on a minute.
Speaker 1 (09:47):
I mean that's a pretty egregious contract, which may be
illegal on its face.
Speaker 2 (09:52):
I don't know. But didn't your husband read the documents?
Speaker 3 (09:58):
No?
Speaker 5 (09:58):
Actually I do all so okay, so.
Speaker 2 (10:01):
How who convinced them to put the money in?
Speaker 5 (10:04):
Hey, it was a good investment. There was born buffing
this blah blah blah, and we had ninety two thousand
dollars that we could Yeah.
Speaker 1 (10:12):
Yeah, something is really weird about that. I'm telling you
it's yeah, I'm missing something on this. But if you're
talking about you're buying an insurance policy that if you
miss one day then you've lost all the money you've
put into it, I you know, I don't understand how
(10:36):
that that can fly. I can understand that you're knowing. Well,
maybe I don't understand. I don't know the answer to that.
So yeah, I don't know the answer. So you get
to talk to a lawyer about that, because I'm a
little confused as to you buy an annuity or you
buy an insurance policy and you keep on paying premium,
so I guess the down payment and if you miss
(10:57):
one day, you're out everything.
Speaker 2 (11:00):
Yeay, I don't know how that works. I don't Frank, Hey, Frank,
good morning, Bill. Yes, sir, what can I do for you?
Speaker 7 (11:10):
I have a question? Can we sue the HOA? And
the reason is all the homes in my neighborhood are
tan or light brown, and this one knucklehead lady you
put on the request that she wanted to paint her house,
and she got the first form signed off by all
(11:33):
the neighbors. Yeah, that's great, you're gonna paint your house.
But then the second form, which shows what color she's
going to paint the house, No one signed off on that, okay,
and the homeowners association gave the green light for her
to paint the house. But the color that she painted
her house is cant and the hat blue.
Speaker 1 (11:56):
Oh that's interesting, and no one but the HOA signed
off on it correct, allowing the blue paint correct.
Speaker 7 (12:04):
And we want we have got to three four months
worth of HOA that meets once a month's meetings, and
we have repeatedly asked, and.
Speaker 2 (12:14):
They're just saying, too bad.
Speaker 1 (12:16):
Who and it was at the who signed off on
behalf of the HOA.
Speaker 7 (12:22):
It's a committee of like three or four more members. Yeah,
and the question is the problem with decision it brings
the value of the neighbors down.
Speaker 2 (12:33):
Yeah.
Speaker 1 (12:33):
No, uh, well, this is really interesting. This is it's
it's a decent question. And here's what I would do.
And again I don't know the exemption here whether individuals
on the board can be held liable. Now, you can
sue the HOA directly, but then that's you.
Speaker 2 (12:53):
That's the problem. You're suing yourself.
Speaker 1 (12:56):
Hopefully you can sue those members who signed off on
a blue paint because they're in violation of the CCNRS.
They have caused the diminuation of the domusion, diminuation of
the value of the property. What they did cause the
value of each home to drop ten thousand dollars, let's say.
(13:19):
And the ccnr's I don't think they allow that implicitly
unless it says specifically the HOA has the ability to
override any restriction as to color.
Speaker 2 (13:36):
So you've been screwed.
Speaker 1 (13:37):
By that board. Frank, all of your neighbors have been screwed.
I'm going to suggest that all how many units are in.
Speaker 2 (13:44):
This place, that's for fifty all right? I would petition.
Speaker 1 (13:51):
I would petition, send out emails to every member and
say we've got we have to get a lawyer on this,
and go after the HOA and those people who have
agreed to the sign off on that blue paint because
that decision cost all of us X number of dollars.
I would also get a real estate agent or two
(14:13):
or three to give you a value of the home,
do some kind of a comp and ask a very
simple question, how much does my home? How much is
my home reduced in value because that house is blue?
Speaker 2 (14:28):
You should get an answer?
Speaker 7 (14:31):
Okay, okay, okay, now you know here I have a
second fight real quick. Here. Here's a funny thing. Another
home a couple of years ago painted their house white,
and the HLA said, you cannot paint your house white.
So the homeowner said, well, if you buy the paint,
will we will repaint it and association reimburse the homeowners
(14:57):
the paint so they could paint their house to the.
Speaker 2 (15:00):
Okay, trend question, what's your question.
Speaker 7 (15:04):
Well, the lady the painted her house cat and the
hat and blue. I asked her, would you consider pain
in your house? And she goes, if the association will
pay for my paint, I'll paint the house. Again. I
want to be a good neighbor here. So when we
ask the association, the homeowner said, if you and reimburse
(15:27):
her for the paint, she will paint her house.
Speaker 2 (15:30):
Because you guys and the said no to that.
Speaker 1 (15:34):
Correct, you know all the costs, And I think it's
important for you guys to acknowledge this because I think
you know ninety percent of the cost of painting a
house is the labor, not the paint. So you have
an hoa that is screwing the owners of those properties
and what they're still doing.
Speaker 2 (15:56):
I mean, I don't understand why there is not.
Speaker 1 (15:58):
An emergency meeting being called by the neighbors the members
of the association to throw those people off the association
and replace them. The CCNRS I think allowed that because
to allow you under those circumstances, Frank, this is crazy, right, Yeah,
this is completely nuts. So there are a bunch of
(16:20):
ways to do it, and you do it by attacking
that committee that said yes to the blue, attacking the
members of the committee that won't reimburse for paint as
she's willing to paint.
Speaker 2 (16:34):
I just want my money.
Speaker 1 (16:35):
Back on the paint and said okay to someone else.
Speaker 2 (16:39):
Yeah, time for a.
Speaker 1 (16:41):
Brand new HOA or at least those members who voted
that way. Now, I want to tell you about your privacy.
You don't have any People think they have privacy, but
you're dreaming. Everything about you is available online. Your home address,
where you work, where you bank, what you buy, court records,
insurance records, DMV information, credit score. I mean, it goes
(17:05):
on forever. It's not hard to get. And let me
tell you what happens. All of your information is collected
by hundreds of data brokers and then they.
Speaker 2 (17:16):
Sell it to anyone who wants to buy it.
Speaker 1 (17:18):
And your data and your privacy is toast. I can
find out everything about you now. In Cogni is a
company that comes into play and actually fights back. In
Cogni contacts hundreds of these data brokers and legally demand
your information be deleted, and it does.
Speaker 2 (17:34):
In Cogny. I'm a huge fan.
Speaker 1 (17:37):
Why well, I'm a customer and before the show every
morning when I do the show. I log onto Incogni
and there it is hundreds of removal requests, that's what's
going on. Hundreds more are in progress, and I see
all of it. And you can do that every day
if you want. That's in Cogny sixty percent off. When
you use my last name. Handle go to in cogni
(17:59):
dot com slab handle I n C O G n
I incognit dot com slash handle.
Speaker 2 (18:05):
This is Handle on the Law.
Speaker 4 (18:08):
You're listening to Bill Handle on demand from kf I
AM six forty.
Speaker 2 (18:14):
All right, Mike, Hello, Mike, welcome to Handle on the Law.
Mike there.
Speaker 8 (18:18):
Oh sorry, yeah, Hi. I had brain surgery a year
ago and there was a problem with it and they
sent me to a headache specialist and he told me
off record.
Speaker 3 (18:33):
That there was.
Speaker 8 (18:36):
There were complications and they're trying to treat me now,
but he said that they're long term. So I need
to know if I have any rights.
Speaker 1 (18:45):
Well, of course you have rights, and if they blew it,
if they made a mistake.
Speaker 2 (18:50):
Then I know certainly you've got a case against them.
Speaker 1 (18:53):
But as soon as you said he told you off
the record, which gives you an idea of someone who
doesn't want to get involved at all. So off the
record Mike means nothing. It means nothing. You have to
have everything on the record. So you're going to need
a medical opinion from an expert. And we're talking about
(19:16):
a neurosurgeon or a neurologist or whatever. I know you
have headaches or whatever it is, headache specialists, because I
have those, you know, pain management people who deal with
headaches to point the finger to that surgery and say
that's what caused it, that's what caused injury.
Speaker 8 (19:32):
I'm sorry, right, I'm part all these arbitration taps.
Speaker 1 (19:35):
Yeah, but I mean if it malpractice, you know what, Mike,
malpractice is malpractice.
Speaker 2 (19:39):
You can't wave malpractice.
Speaker 1 (19:41):
The only thing you can do, and they will do
is force you to arbitrate that they can force you
to do. Uh. But there are ways out of that too,
So you have to talk to a medical malpractice attorney.
Speaker 9 (19:53):
Yeah.
Speaker 1 (19:54):
So I need to know if you could give me
a recommend Yeah, go to Handle, you know what, Go
to Handle on the law dot com and see if
they can help you. There should be a referral there, okay,
and see if it works. And you know it might
be that the attorneys don't want it because what are
the damages? Headaches? What are headaches worth? Okay, and there
(20:15):
were some money, headaches for the rest of your life.
Now is it millions of dollars?
Speaker 10 (20:20):
No?
Speaker 1 (20:21):
Is it worth it for an attorneys to come in.
Keep in mind, I mean you're going after doctors. So
based on what he said, it sounds like there's some
kind of malpractice, But maybe the damages aren't great enough
to get an attorney involved because fighting a medical group
the size man, you're fighting some big, big lawyers who
are saying we did nothing wrong.
Speaker 2 (20:43):
That's one of a matter of fact.
Speaker 1 (20:45):
Back to that consent form where you agree to arbitration,
where he agrees to arbitration, there's a whole list of
what can happen, and you take the risk. Now, you
can't waive medical malpractice. That you can't sign away. But
if a certain percentage of people suffer that kind of
(21:06):
an injury or that kind of a consequence, let's say
three percent, do it, you sign off?
Speaker 3 (21:12):
You go.
Speaker 1 (21:12):
Three percent of people who engage in the surgery have
this consequence. I have headaches forever, migraines. You happen me
to be one of three percent? Hey, that's there's no
lawsuit there at all.
Speaker 2 (21:28):
Hi Marie, welcome to handle on the law. Hi, Hi Belle,
how I am yes, ma'am okay. So I have a question.
Speaker 11 (21:35):
I have a My fourth grade son, ten years old,
was physically beat a bet school. He was jumped by
three other classmates from to the floor, kicked, punched, and
slapped in the stomach, back and head. It was he
didn't tell me. I saw the bruises on him later
because I guess the bullying had continued stocking in after
they initially jumped him, either prior to or after. I
(21:59):
can we haven't been able to get a time. But
I saw bruising Oliver's body, so I reported it to
the school. I sent him to school the next day,
called the principal everything's documented to be an email he
saw it. My son got sick and go to school for.
Speaker 7 (22:14):
Another three days.
Speaker 2 (22:14):
Came back.
Speaker 11 (22:15):
The vice principal was like, you should be ashamed of
your behavior. Everything was turned around him. There was three
other witnesses aside from the three people that jumped him,
and now they're saying, well, they barely hit him. It
wasn't that big of a deal. So they didn't believe
my son completely, even though I sent him with blue
bruises and a cut. So I contacted the police department,
(22:36):
made an incidentt report that day.
Speaker 2 (22:38):
Which was a Tuesday.
Speaker 11 (22:39):
The next day and the police department told me, I'll
go in to school with.
Speaker 3 (22:41):
You the next day.
Speaker 11 (22:42):
So they walked and just me the next day on Wednesday,
and they had told me they had assured me when
he went back to school that there was a safety
plan put in place.
Speaker 2 (22:51):
There's a no contact over everything still happened.
Speaker 11 (22:54):
He came back, he came home, he was crying. This
is what happened. The vice principal is now accusing me
of feeling guilty of my behavior. I don't know what
she's talking about. What's going on, Mom, I'm the one
that got beat up. I'm like, okay, everything's been documented.
We had so we were able to get an I e.
P attorney because he had an IEP that and he's
not getting being deprived of his education because he hasn't
(23:15):
been in school and the safety fund that they did
put in place did not work and they haven't put
a new one in place.
Speaker 7 (23:20):
It continued.
Speaker 2 (23:21):
Everything's been documented.
Speaker 11 (23:23):
We had an IEP meeting with the school district, nine people.
They could still not give me any answers. All they
did was make derogatory statements and I videoed it. I
had permission to video it. I sent you all my
paperwork correctly. So we contacted an IP attorney. They informed
me that my son's in fourth grade, but he is
severely dyslexic. Have I ever been informed?
Speaker 2 (23:42):
I said no.
Speaker 7 (23:43):
He said these are your test results.
Speaker 11 (23:45):
So I'm upset about that. And now they're trying to
see if they can test him out, if he doesn't
even need an IP anymore, just to kind of get
rid of me. I need a compensation attorney because I don't.
Speaker 2 (23:56):
Talk about it. That's going to be tough.
Speaker 1 (23:59):
That's sounds wi really complicated, and it looks like every
witness who was I understand he's been. But the problem
that's basically on what your son says.
Speaker 2 (24:12):
Correct.
Speaker 7 (24:13):
Well, he came to the table first with black and
blue blue.
Speaker 2 (24:16):
No, I'm not arguing that. I'm not arguing that.
Speaker 1 (24:18):
For example, this issue, everybody's calling me gay. Have you
heard it? Have other kids say, yeah, he's being called gay?
Because it looks like all the people that they've that
they've interviewed plus the three people that jumped your kid
are all basically testifying against your kid.
Speaker 11 (24:40):
One of there's three other people that saw the jumping incident,
and they did say that he did get jumped.
Speaker 1 (24:46):
I'm not arguing that, but they said it's no big
deal because that's what you said the school district. Correct, okay,
But again, did anybody interview those kids other than the
school district?
Speaker 2 (24:57):
Yes, okay, and they said let him. They said he
was beat up pretty well, get back when I got home.
Speaker 3 (25:04):
When I.
Speaker 1 (25:06):
Understand, okay, So uh you need a I guess a
personal injury lawyer. But it's very, very tough. They're basically
going to say, you know, your kid has to go
to another school.
Speaker 2 (25:19):
Clearly been back. I'm sorry he hasn't been back to school. Well,
he's got to go to school, and you just have
to go to another school. What do you do go
back to this? You have him go back to the
same school. No, I haven't.
Speaker 11 (25:38):
That's why I just pulled him out.
Speaker 3 (25:39):
I just whatever, right of.
Speaker 2 (25:40):
Course you do. But what do you what do you
plan on doing?
Speaker 1 (25:42):
I mean, forget about the legal issue right now, what
do you plan on doing with your kid?
Speaker 2 (25:45):
Never?
Speaker 11 (25:45):
How long do you a month and no one will
take him.
Speaker 7 (25:49):
Would have taken him.
Speaker 1 (25:50):
Then, I don't know if they don't get that because
it's by law the kid has to be able to
go to school.
Speaker 11 (25:58):
They have not even called to see if he's.
Speaker 2 (26:00):
I don't even don't. I don't get it.
Speaker 1 (26:02):
I mean you you could be why not let my
child go to school?
Speaker 2 (26:06):
I mean you are violating law.
Speaker 11 (26:09):
That would be true if we didn't if I didn't
do other proper steps. But I contacted Task, which was
a nonprofit, and they said, if you take these steps
and put these letters in place, So I did all
that and told them I want a safety plan so
I can go back.
Speaker 1 (26:22):
This is I tell you, Marie, this is way above
my pay grade in terms of trying to figure this out.
Speaker 2 (26:29):
I wouldn't even know where to go on this.
Speaker 1 (26:32):
I mean there are so many issues involved, Uh, you know, compensation.
Speaker 2 (26:36):
I don't even know where you go on that. You
sue the school board for what?
Speaker 1 (26:40):
Because the kid isn't going to school, let's say that,
but the kid is, they have to take the kid.
Speaker 2 (26:45):
You're not letting the kid go to school. So it's
I don't know what to do now.
Speaker 1 (26:51):
Talking about going to handle on the law dot com.
It's all about you being injured a car accident, slip
and fall and go to a big box store or
in the box fell on you.
Speaker 2 (27:01):
Whatever.
Speaker 1 (27:02):
So if you've been injured and it's not your fault
and you're pretty banged up, let me suggest going to
the website Handle on the law dot com. We've been
hearing about this all hour with people that have all
kinds of issues. So call eight eight eight a day
to eight eight six six eight a day eight a
da ate eight eight six six eight visit handle on
the law dot com. This is Handle on the Law.
Speaker 4 (27:24):
You're listening to Bill Handle on demand from KF I
am six forty.
Speaker 1 (27:32):
Marginal legal advice where I tell you have no case.
Speaker 2 (27:37):
Hi, Jane, welcome to Handle on the Law.
Speaker 10 (27:41):
Hello, thank you. I have an issue that I can
never figure out with Southern California Edison.
Speaker 2 (27:48):
Southern California Edison. All right, go ahead.
Speaker 10 (27:52):
Really, they sent me a renewal as a low income senior,
which I am, and for care. They sent me renewal
for it to prove that I'm still eligible, which I am,
and I have all the papers and the taxes.
Speaker 3 (28:05):
And blah blah.
Speaker 10 (28:06):
So I sent that in the timely fashion, and then
nothing happened. It came back coming being built up the
straight breaks other rates, not the low incomes any rate,
and I do so. Okay, So I have spent the
last year and the third sending them books of the papers.
(28:28):
Nothing's going to return to MEI faction the papers. That
doesn't work.
Speaker 2 (28:33):
All right, So they're not cooperating.
Speaker 10 (28:35):
Find that office. I cannot find an office. I can't.
Speaker 2 (28:38):
Yeah, they don't.
Speaker 1 (28:39):
Yeah, offices don't exist. You can't find any office, you know.
Strangely enough, you know where you do find offices who
and people do a great job and the service is spectacular.
Not that this is totally divorced from that. Social security
offices used to be the worst. They're the best now.
But anyway, that's just for anybody going so Security office.
(29:01):
Now you're dealing with so cal edison and I'm not
surprised that there's no office you can go to and
they just refuse, refuse to refuse to deal with you.
Speaker 10 (29:10):
Okay, So it's a four D phone calls.
Speaker 1 (29:16):
Phone, Yeah, phone calls don't do it. So two things
you can do. One of two things is ask for
and appeals. Even though they haven't made a decision.
Speaker 2 (29:26):
Can you appeal it? I don't know.
Speaker 1 (29:29):
You may also want to find out since so cal
Edison is controlled by the PUC, it's a state agency. Yeah,
California Public Utilities Commission. Go to them and start talking,
ask for a form, and explain what happened. Because what's
(29:50):
happened with you, Jane, is so egregious that if I
see someone who is looking at what happened, I'm jumping
on it. So do that. That's one, Okay, immediately go
to the PUC. The other person. The other thing to
go to is your assembly, your assembly person or your senator,
(30:12):
state senator, because all of those offices have something called
the ombudsman office.
Speaker 2 (30:17):
Or the ombitz person because you can't say man.
Speaker 1 (30:21):
And those are people attached to the offices of your
elected official, in this case state officials, senator or assembly.
Speaker 2 (30:28):
Person that do nothing but help people. That's what they do.
Speaker 1 (30:32):
They help people navigate the crazy stuff in government.
Speaker 2 (30:36):
So those are the two areas I would go to
and see if they help. How old are you almost?
Speaker 5 (30:41):
Oh?
Speaker 2 (30:42):
You want to do it quick because you're very close
to dying.
Speaker 10 (30:44):
Okay, we could all go anytime, don't well, yeah, I.
Speaker 1 (30:49):
Heard probably Jane closer than me, but that's still okay.
Speaker 2 (30:54):
Pearl, Hello, Pearl, welcome.
Speaker 9 (30:56):
Yeah, thank you, Bill. I'm leaning on you totally here.
Speaker 2 (31:00):
Okay, Pearl, you have to number one. You have to
speak louder. Okay, that's for starters. Okay.
Speaker 9 (31:07):
And I have a throat condition, so that doesn't help me.
Speaker 2 (31:11):
Okay, got it. Pearl. How old are you?
Speaker 9 (31:14):
I'll be eighty nine in August.
Speaker 2 (31:16):
Wow? Okay.
Speaker 1 (31:17):
I mean you sound old as old as dirt, and
you are old as dirt, and.
Speaker 2 (31:21):
You still sound together. Good for you, I mean so far,
you're fairly lucive.
Speaker 9 (31:26):
Buying a house years ago. Yes, I bought a house
sixty three years ago.
Speaker 2 (31:31):
Sixty three years ago. Oh, it's good for you. I'm
assuming it's paid off.
Speaker 9 (31:35):
I hope so. But somebody got on my contract?
Speaker 1 (31:40):
Oh me, someone hold on? Oh hold on, someone got
on your contract. What kind of contract do you have
with a house of sixty three years old?
Speaker 9 (31:48):
My house? I was paying on my house.
Speaker 1 (31:51):
Okay, hold on a minute, you were paying Okay, hold on,
you were paying on your house.
Speaker 2 (31:55):
You have a mortgage on your home?
Speaker 9 (31:57):
Correct, that's because I got demorsed. I gave him twenty
thousand dollars.
Speaker 1 (32:02):
Okay, so you had to borrow money against the house
to give your ex twenty thousand dollars.
Speaker 2 (32:08):
Is that correct? Yes, sir, okay, got it? All right? Good, good,
all right.
Speaker 1 (32:13):
So I don't understand that someone came on your contract.
Speaker 2 (32:17):
What does that mean?
Speaker 9 (32:19):
I was buying my house through a bank. Now I
can't remember that. I didn't have the paperwork here in
front of me.
Speaker 2 (32:29):
Okay, now you're starting to sound eighty nine. Good for you.
All right.
Speaker 1 (32:32):
So I don't understand what you mean by someone's name
on your contract?
Speaker 2 (32:37):
Do they now?
Speaker 9 (32:38):
Is someone's name on your contact?
Speaker 2 (32:40):
Okay?
Speaker 9 (32:41):
I don't understand contact. When Bank of America bought off
my bank bought off my bank, I found out that
somebody else is on my contract.
Speaker 1 (32:53):
And okay, I understand someone else is on your mortgage
paying the mortgage. Yes, okay, that doesn't matter. Really, The
important thing is anybody is on title on your land,
on your house, does anybody else?
Speaker 2 (33:07):
Is it just your name? Per Yes?
Speaker 9 (33:11):
That was then the only one on my top.
Speaker 2 (33:14):
Then you're okay.
Speaker 1 (33:15):
Then toust to the bank and say, hey, if someone
else is responsible for paying your mortgage, that's great.
Speaker 9 (33:23):
I'm the one.
Speaker 2 (33:24):
Paying I understand, because you own the house. I understand.
Speaker 1 (33:28):
But you're not being harmed by someone else being responsible
for your loan. And so all you do is contact
the bank and you say, hey, I'm the one that
took out the mortgage.
Speaker 2 (33:36):
Right now, you're a pretty good shape, Pearl.
Speaker 1 (33:38):
It would not be you would not be in good
shape if someone also owned the.
Speaker 2 (33:42):
House with you and have title. Then you have a
mess on your hand. I'm sorry, letter.
Speaker 9 (33:49):
They want to start paying taxes on my house.
Speaker 2 (33:52):
Okay, now, okay, I understand, Pearl.
Speaker 1 (33:57):
You say, no, you pay, you pay your taxes, you
pay them.
Speaker 9 (34:03):
I pay my own tax good good.
Speaker 1 (34:05):
And so what's happening is someone is clearly by the
fact that they're starting to pay taxes, there is something
called adverse possession, which means they're sort of setting it
up for them to own your property. But the rules
are such that simply paying taxes for a house that
you pay taxes on that you own, uh, and the
(34:27):
mortgage is in your name, even though they're now arguing
that their name is on the mortgage.
Speaker 2 (34:33):
Yes, how do you know their name is on the mortgage?
How do you know their name is on the mortgage.
Speaker 9 (34:37):
I had somebody that's sending me mail with their name
on it.
Speaker 2 (34:42):
Okay, Pearl, it doesn't matter their name.
Speaker 1 (34:45):
They can do whatever they want. They can send you
mail like crazy.
Speaker 2 (34:49):
I get.
Speaker 1 (34:49):
I get the scam mail all the time. I think
at this point, you're okay, go to the bank and
make sure that you are the one that's paying taxes.
Speaker 2 (35:00):
Also, go to the recorder's office, and you can do
this all on the internet. You know what a computer is.
Speaker 9 (35:08):
To do it with internet or anything.
Speaker 2 (35:11):
Okay, go to the All right, well, what a shocker.
Speaker 1 (35:13):
They don't have anything to do with it because they
didn't even have typewriters when you came into being. Okay, now,
go to the library and ask the librarian to help
you do the research to find out if they're accepting
your taxes, and you'll be following if you get it
doesn't matter how many letters you get per don't worry
(35:34):
about it. It's that that means nothing. Although it's pretty scary,
I understand because I get stuff like that all the time.
And I'm I'm not saying I'm sophisticated, but I'm certainly hip.
I certainly am hip, I am certainly aware of all
the scams. And you know, when you're eighty nine, you
don't know anything about computers, and all of a sudden
you're getting a letter saying, hey, we're paying the taxes,
(35:57):
don't worry about it, or we own your property.
Speaker 2 (36:01):
That becomes a problem.
Speaker 1 (36:03):
I'll tell you what is easy, and that is finding
information about you. You talk about social media, how about this.
There's no privacy online. You can find out virtually anything
about anybody because everything is available about you online. Your
home address, where you work, or you bank, what you buy,
where you buy it, court records, DMV information, your credit score.
(36:25):
I mean that goes on forever. It's all out there
and it is not hard to get. And because your
information is out there, hundreds of data brokers collect that
information and then sell it to anybody who wants to
buy it. And now the bad guys can pick it up.
Even the bad guys can buy this, and so you're vulnerable.
And this is where in Cogni comes into play, a
(36:47):
company that fights back for you. They contact hundreds of
these data brokers and legally demand your information be deleted,
which they have to do. That's what Incogni does, and
before every show, I log to my I log onto
my incognity account and there there are hundreds of removal
requests completed. Hundreds more are in progress and scheduled. That's
(37:10):
in cognity I n c O g n I I
n coog n I in Cogniti dot com. Sixty percent
off when you use my last name handle that's in
cognate dot com. And use my name handle this is
handle on the law.
Speaker 2 (37:29):
You've been listening to the Bill Handle show.
Speaker 1 (37:31):
Catch my Show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app
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