May 9, 2026 • 30 mins
Handel on the Law. Marginal Legal Advice.
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Speaker 1 (00:00):
You're listenings KFI AM six forty the Bill Handles show
on demand on the iHeartRadio app.
Speaker 2 (00:08):
KFI AM six forty. Bill Handle here, and good morning,
And this is a Saturday right up until eleven o'clock
tomorrow Mother's Day. So I hope you like your mother.
It doesn't really matter. And we are going to celebrate
tomorrow here at KFI by me not doing anything except
(00:32):
starting to broadcast on Monday. So that's how I celebrate
Mother's Day in any case, as always on a Saturday
or anytime. The phone number here is eight hundred five
to zero one five three four. That's eight hundred five
to zero one five three four, And I answer the questions,
of course. And this is the way we always start
(00:54):
the show, and the first hour, the first segment of
the first hour. It's like, you know, the end of
World War one, the eleventh hour of the eleventh day,
the eleventh day of the eleventh hour of the eleventh month,
and the war is over. So here's how we started.
And that is the first hour of the first segment,
(01:14):
and the number is eight hundred five two zero one
five three four. You get in early, and you're not
going to be waiting. Sometimes you wait an hour to
get a board, and sometimes you can't get in at all,
and sometimes you have. You know, it gets in fairly easy.
You never know, never know how it works in any case.
(01:34):
The number eight hundred five two zero one five three four.
This is Handle on the law Marginal legal advice, where
I bill Handle tell you, whatever your name is, you
have absolutely no case. And I love when I do that. Now,
obviously everybody knows a matter of fact, it was an
(01:55):
international story about the wildfires in southern California and Los
Angeles specifically, and as you can imagine what I think,
thousands of homes maybe six thousand homes went up in
businesses and a few deaths, and it was just the
(02:17):
most god awful unnatural occurrence that ever happened in southern California,
certainly a fire. And so as you can also imagine,
the insurance claims came in like crazy. And there is
also a state insurance plan. And the state insurance plan
(02:37):
is when you can't get fire insurance here in California,
you can through the state and that's called the Fare Plan,
and that is funded by all insurance companies and it
goes into a fund and that goes to pay off
homeowners who only lose their homes for fire. That's it's
just fire insurance, not liability, not any other kind of insurance.
(03:01):
It is insanely expensive and it is fairly limited and
how much money it's going to pay. But that's the
insurance as a last resort. And why do we need
insurance as a last resort Because a lot of insurance
companies will not touch home insurance here in southern California.
They just won't do it, especially in fire areas where
not only is it more money if they do insure you,
(03:22):
and I mean substantially more money, but also you can't
get it in many cases. So the biggest company is
State Farm Insurance. Interestingly enough, the big insurance companies had
the money to pay, which floored me on that one.
I thought they would have to go bankrupt or come
up with some kind of money. No, they had the
(03:44):
money to pay. But the argument has been the accusation
is a state farm specifically was making life miserable for
the insured. And the argument was that State Farm delayed, underpaid,
buried policy holders in red tape at the worst moment
of their lives. I'm quoting Insurance Commissioner Riccardo Laura that
(04:08):
is asking to suspend State Farm's license for up to
a year and pay millions and they haven't discovered, they
haven't determined how much millions of dollars in penalties against
State Farm, alleging that it mishandled the insurance claim of
the January twenty twenty five while fire in La City Palisades,
(04:31):
very expensive area, basically burnt up. And then he had
the Altadena fire which was a few miles away and
Altadena basically burnt up. And so the Commissioner Ricardo Laura
is seeking a cease and desist order to stop State
Farm from engaging in unfair or deceptive practices and to
(04:54):
argue it should suspend State Farms certificate of authority for
up to a year, which means no new policies during
that policy or during that period a case is going
to be heard by a state administrative law judge. And
how do we know? How do we know? Well that
there was an investigation, which always happens. In two hundred
and twenty sample claims were submitted at random, and the
(05:19):
Department of Insurance found out of the two hundred and
twenty sample claims three hundred and ninety eight violations of
state law in about half of the claims. I mean,
this is not just one or two that State Farm
screwed up. This according to the State Commission, Department of
(05:40):
Insurance said this was a concerted effort. State Farm purposely delayed,
purposely underpaid, purposely buried policy holders in red tape. And
I know people who've lost their homes. I work here
by radio station, and there are plenty of people that
lived in Palisades who work at the station, and plenty
(06:02):
of people lost their homes. And I had one who
said the insurance company was doing a great job and
it wasn't State Farm. The rest of the claims that
were involved in State Farm and other insurance companies, they
made it miserable, made it miserable. Claims were made, Adjusters
came out, No, no, you don't need this much money.
(06:23):
Oh no, no, you didn't have this value of furniture.
Just made it miserable, and claims were put in and
that was god awful. It's a mess. It really is. Now.
I'll tell you what also is a mess, and that's
privacy online. You probably know by now there's no such
(06:45):
thing as privacy online. Everything, I mean everything about you
was available. Your home address, where you work, where you bank,
what you buy, where you buy it, court records, accident
to history, insurance companies that use the used that information
to raise rates. Oh and let's not forget about DMV info,
your credit score, your social media and this list goes
(07:05):
on and on and it's all out there and it's
not hard to get and if you can believe, it
actually gets worse because all of your information is collected
by hundreds of data brokers that then gets sold to
anyone who wants to buy it, and your data and
most importantly, your privacy is toast. And this is where
Incognate comes into play and fights back. They contact hundreds
(07:27):
of these data brokers and legally demand your information to
be deleted. That's what Incogny does. And when new brokers
pop up in COGNI finds them and squashes that information too.
And I'm a huge fan. I have proof before the show.
I logged onto in Cogny and hundreds of removal requests
have been completed, hundreds more are in progress and being scheduled.
(07:49):
Incognia has helped hundreds of thousands of people. So take
your life, your data, your privacy back with Incognity sixty
percent off when you use my name handle go to
inc cogny I n cog n I in cogny dot com,
slash handle in cogny dot com slash handle. This is
(08:10):
handle on the Law. Kay fine handle here on a
Saturday morning now eight hundred five two zero one five
three four eight hundred five two zero one five three four.
All right, let's take some phone calls. Dave, welcome to
Handle on the law.
Speaker 3 (08:28):
And I own a duplex. Both of our names are
on the mortgage. I live in one half and she
rents out the other half. I owe federal taxes. Is
here and unable to pay all at once? Can the
irs take my property?
Speaker 2 (08:47):
Yeah? Yeah they can. They're really good about that. Now
do they usually know? You try to cut a deal
if you possibly can. It's not easy and they don't
do it very often, but they do cut deals. That's
what happens. How much do you owe?
Speaker 3 (09:04):
Am seventeen hundred dollars? My tax preparer suggested I submit
one hundred dollars at least, which I did, and she
said that I should expect communication with the irs.
Speaker 2 (09:20):
Yeah, you will you'll get combected IRS. Yeah, probably it'll
be by email because that's a real low number. Your
tax preparer should contact the IRS as soon as you
get whatever communication and it'll say your short money or
this is what you owe is and there's penalty and
there's interest. So if you don't pay it, interest builds up,
(09:40):
penalties build up. So within two years it comes to
about a billion four not really, so you owe relatively
little money. So at this point you owe sixteen hundred dollars,
but the IRS has to be contacted. It has to
be contacted, and it's now your tax preparer should be
an enrolled agent because they're the only people that are
(10:03):
allowed to appear before the IRS. But that is a
fairly easy, easy thing to do. And then just start negotiating.
And depending on how much money you have, depending on
what kind of deal you can go you can do
in terms of a repayment, you're in pretty good shape.
The money saves your the money saves your butt. All right, So.
Speaker 3 (10:22):
I'm going to a bankruptcy right now, so minimal payments.
Speaker 2 (10:26):
But yeah, yeah, and you know, bankruptcy doesn't stop you
from paying taxes. One of the wonderful things about the
tax code is it doesn't you ever rats about you
going bankrupt or not, but it even makes sure you
that even makes them more susceptible to a negotiation. And
you go. You know, they may take one hundred dollars
a month easily, they'll take one hundred dollars a month
(10:46):
over sixteen months. That should be fairly easy to do.
All right, Dave, Yeah, so far were good news? All right?
Good news? God, I hate star doing the show with
good news. You got it, all right, Brett, Brett, welcome
to handle on the law.
Speaker 4 (11:02):
I go.
Speaker 5 (11:04):
My neighbor was out of town and asked me to
take a package to FedEx that he was returning to.
So it wasn't what he ordered. They wanted me to
pay for it. He said it was a prepaid label.
I've not had this package for three weeks. And it
turns out he wasn't just out of town working, he
moved to Florida. What are my options? What are my obligations?
Speaker 6 (11:28):
Okay?
Speaker 2 (11:28):
Do you have his address not the.
Speaker 5 (11:32):
One in Florida? No, I had his old address.
Speaker 2 (11:34):
Okay, you want to contact him and or try to
contact him, and depending on how much how much effort
you put into it. Then you just keep it and
if he comes after you, you have the proof that
you tried to contact him. I've called, I have his
old address, I've asked for a forwarding address, and I
(11:56):
just can't get it. So I just kept it. Do
you have any idea what a package?
Speaker 5 (12:02):
It looks like? Kind of a coffee table or dining table.
It's one hundred pounds.
Speaker 2 (12:09):
Whoh, it's a big package. How much do they want
you to pay for it?
Speaker 5 (12:14):
One hundred and sixty dollars?
Speaker 2 (12:15):
One hundred and sixty dollars. Oh, and your buddy expected
you to pay one hundred and sixty dollars. Yeah, just
keep it, Just keep it. You'll be fine. But just
make sure that if he comes back, make sure that
if he comes back, you prove that you have tried
to that you have tried to find him and put
in there. I'm going to keep it and try again
(12:36):
and try again, because is he going to come back?
I don't know, is it? Have you opened the package?
Do you have any idea?
Speaker 5 (12:44):
No, I'm not going to open it. I was hoping
to send it, but it is.
Speaker 2 (12:48):
No, you don't have to pay, No, you don't have
to pay one hundred and sixty dollars to send a
package for him. No, absolutely not so the only reason
I asked you, I'm.
Speaker 5 (12:58):
Sorry, How long should I wait before you know what?
Speaker 2 (13:03):
The longer you know, the longer the better. I wouldn't
do it in a week, but I don't think you
have to wait three or four months either, So a
reasonable time unless there is an ordinance, Unless there is
a state or local ordinance that says, probably state you
must keep it at X period of time, and I
don't know what that is. You could look that up.
(13:25):
Where do you live?
Speaker 5 (13:27):
Los Angeles County.
Speaker 2 (13:29):
Okay, LA County? Is it unincorporated or a city specifically
Santa Karida, Okay, Santa Clarita. I don't know if that's
incorporated or not part of LA proper. Yeah, I would
look at LA County to see if there's any ordinance,
look at the state of California to see if there
are any ordinances, and if not, you know, open it
(13:52):
up and if it's it's kind of a I don't
know what the quality is, but you may end up
getting a really neat coffee table. And on the other hand,
you may have a piece of junk on your hands.
No one knows. All right, let me suggest if you
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about fresh breath. And what Zelmans does it is a
(14:14):
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and you know my breath is not gonna be wonderful,
so I'll pop a couple of Zelmonds in my mouth.
These are little capsules of parsley seed oil with a
good strong minty covering. And then when the mint is gone,
(14:35):
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The foods you eat, they go into your stomach and
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(14:58):
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(15:18):
dot com. This is Handle on the Law.
Speaker 5 (15:22):
You're listening to Bill Handle on demand from kf I
AM six forty.
Speaker 2 (15:29):
KFI AM six forty Bill handle here Saturday morning, eight
hundred five two zero one five three four up right
up until eleven o'clock this morning at number eight hundred
five two zero one five three four. If you have
a legal question, this is Handle on the Law Marginal
(15:51):
legal advice. Okay, we have some phone calls, because that's
what this show is about. Tim. Hi, Tim, you're up.
Welcome to Handle on the Law.
Speaker 4 (16:03):
Hello, I'm wondering, can I see an attorney who had
changes made in my father in law's trust after my
father in law was already being incapacitated and not able
to make financial decisions on his own. Behalf?
Speaker 2 (16:20):
All right?
Speaker 7 (16:21):
Uh?
Speaker 2 (16:21):
Well, first of all, start with your name? Is it Tim?
Speaker 3 (16:26):
Kim?
Speaker 4 (16:27):
Oh?
Speaker 2 (16:27):
Tim? Got it all right? Just wondering that's very strange
for a woman. Now, so your father in law makes
a will and now and he is incapacitated, and the
attorney changes the will after he is incapacitated. Yes, oh okay, yeah, okay, okay, yeah,
(16:49):
I got it. A couple of questions. Are you a
beneficiary under the trust?
Speaker 4 (16:55):
My husband was?
Speaker 2 (16:57):
Okay, okay? And so did his share of the trust
increase or decrease after the change was made?
Speaker 3 (17:11):
Uh?
Speaker 4 (17:12):
That's uh? What changed was who was the trust? Or Okay,
that doesn't.
Speaker 2 (17:19):
Really Yeah, that doesn't really, that doesn't really matter because
it's really a question of the beneficiary. I mean, if
your husband, your husband received if your husband received more money,
why would you undo it?
Speaker 4 (17:34):
No, he did not receive more money.
Speaker 2 (17:36):
Did he receive less money than the previous trust?
Speaker 4 (17:40):
Yes?
Speaker 2 (17:41):
Okay, how much less?
Speaker 4 (17:45):
Okay? So the original trust was kind of weird. Father
in law said, we're going to take all of the
assets and divide it by twelve oh one of the
siblings gets, one of the siblings gets five, the other
sibling gets, and the other sibling gets too. Because he
was pissed off at the Yeah.
Speaker 2 (18:04):
Of course he is okay, all right?
Speaker 4 (18:07):
That he made an amendment after he was deemed incapacitated.
Speaker 2 (18:12):
Who deemed him incapacitated, Who deemed him? Who deemed him incapacitated? Okay,
so medically he was deemed okay, all right, so he
was deemed incapacitated and did uh he he signed the
amenda trust? Correct, and it was notarized. Okay, so you
have a note? Did the notary have any idea that
(18:32):
Dad was incapacitated? No? All right, Yeah, you're not going
to sue for malpractice. What you're going to sue is
to invalidate that amend to trust and you're going to
go back to the previous trust. Yeah, you're not going
to sue.
Speaker 4 (18:48):
Conserved.
Speaker 2 (18:49):
Oh no, no, because you would have spent that money anyway.
The whole issue is that the whole issue is just
the trust. And if the trust here the attorney screwed up,
is worth suing him for amouthpractice?
Speaker 3 (19:02):
No?
Speaker 2 (19:02):
Not really. What you have is you have one of
the brothers basically got screwed and because the trust was amended,
would it shouldn't have been amended? That's all this question
of damages. I mean, you know, what are you gonna
do with the attorney? Okay? And how much money are
we talking about? Getting screwed out of.
Speaker 4 (19:22):
Cost us eighty thousand dollars for the conservatorship.
Speaker 2 (19:26):
No, you would have a conservatorship anyway. You would have
to have done the conservatorship anyway. Why, because it's the
law has to recognize there's a conservatorship. Let me ask you.
Would you have just kept him incapacitated, just let it,
let it go, and let him walk around incapacitated. You wouldn't.
You wouldn't have gotten a conservatorship. You would have let justice.
Speaker 4 (19:50):
I would have put him in assisted living?
Speaker 2 (19:52):
Okay? What does that have to do?
Speaker 4 (19:53):
What is that?
Speaker 2 (19:54):
Okay? What does that have to do? What does that
have to do with the trust. You wouldn't have put
him in an assisted living? Or you? Did you put
him in an assisted living?
Speaker 4 (20:06):
We tried to, and after they signed the amended trust,
they took away power of attorney.
Speaker 2 (20:14):
Okay. Did they put him into an assisted living facility?
Speaker 3 (20:18):
No?
Speaker 2 (20:19):
No, they just let him run around incapacitated.
Speaker 4 (20:23):
They let him live at home with three home care
nurses personal Okay.
Speaker 2 (20:29):
Would they would they have done that anyway? Kim, is
what I'm asking?
Speaker 4 (20:34):
No?
Speaker 8 (20:34):
No?
Speaker 2 (20:34):
All right? So all right, so your argument is we'd
have left him around. We wouldn't have hired the nurses.
He's incapacitated. He could have been on the street, he
could have been walking around, and because we didn't do that,
we didn't get more money. So what you're going to
argue is because the trust was amended, then you had
(20:56):
to put him in a home right with assisted living
or he had the nurse. If he had not amended
the trust, you would not have ever put him into
an assistant living. Where are you going to go with that?
Speaker 4 (21:07):
No?
Speaker 2 (21:08):
Yeah, I diad, You're not. You're making it really clear.
So I don't know what to tell you, you know,
I you know, just don't know what to tell you,
all right, Frank, Hello, Frank.
Speaker 6 (21:18):
Hey, how are you?
Speaker 2 (21:20):
Yeah?
Speaker 6 (21:20):
I live my daughter's mother went together twenty seven years, okay,
and she has horses. And when we had that bad snowstorm,
I was, you know, I live with her and you
know where we're We were both divorce so we didn't
want to remarry. So anyway, so I was helping her
with the horses and I slipped. She was standing right there.
(21:41):
My slip went down, broke a few ribs. Went took
care of that. Okay, ribs are healed nicely, but a
week late, not even A few days later, I had
was slipping again. I grabbed the fence, you know, the
paddock for the horses, and pulled the muscle right off
my arm. I've been in agony, oh sure, And I
really don't want to. I don't want to. Heard somebody said, love,
(22:03):
I'm seventy three, I'm being a better I don't want
to hurt her in any way, But damn, I could
you know if I can, I said, somebody, gets somebody
to help me until the bone gets.
Speaker 2 (22:13):
Back right by damn?
Speaker 6 (22:18):
You know, But that's what I'm not looking at her
make money.
Speaker 4 (22:20):
Or I heard her?
Speaker 2 (22:21):
You know? Well, No, the only I got news for you, Frank.
The only way that you can be health is to
make money, because that's all you're going to be able
to get is money. Okay, that's for starters. Uh, let's
also start with you slipped twice? What did she do wrong?
Did you? Did you not know it was icy? Did
you not know there was still on the ground?
Speaker 6 (22:43):
It was icy? You didn't know it was icy? It
shoveled it.
Speaker 2 (22:48):
So what did she do wrong? So let me ask you,
Let me ask a question. What does she do wrong?
Speaker 6 (22:54):
Maybe we should have put more stand down.
Speaker 2 (22:57):
Okay, that's it. Well, the insurance company is going to
have an I can't put Okay, yeah, no, I understand, No,
I get it. I get no. I understand that. So
now you have to argue that somehow because she didn't
put sand down, or she lets you get on the horse,
or whatever argument you can make. I doubt that the
(23:21):
insurance company is not going to fight it.
Speaker 9 (23:23):
You have to sue her. Frank, you've got a sewer.
There's no way around it. You've got to make a
claim against her. You got to make a claim. That's
the only way around it. So so you have insurance.
That's why God invented insurance.
Speaker 2 (23:37):
You make the claim, you get paid, You get your
medical care covered, although you're probably on Medicare so that's
probably going to be covered anyway. So yeah, no, you're
that's yeah. So bottom line is you're going to have
to sue her. Yeah. I don't want to get involved. Also,
people call me up. I don't want to go into liddygate. Okay,
(24:01):
but I want to get paid. Okay, what do you think?
Just people roll over, Sure, we'll pay you. No claim
has to be made, and the insurance company has to
accept liability. On the insured at least partial liability, depend
on what state you're in, whether it's comparative negligence or not,
which is a whole world onto itself. And then you
(24:22):
start arguing, and if the argument, if you can't come
to terms, guess what it's lawsuit city. Now you probably
know by now there is no such thing as privacy online. Everything,
I mean everything about you is available. Your home address,
where you work, where you bank, what you buy, where,
court wrecords, accident history, insurance company using that to raise
(24:42):
your rates. Oh also DMV information, your credit score, your
social media and I could go on for half an
hour on that one. It's all out there and it
is not hard to get. And can you believe this?
It actually gets worse because all of your information is
collected by hundreds of data brokers and then gets sold
to anyone who wants to buy it, and your data
(25:04):
and your privacy is toast. And this is where Incogny
comes in comes into play and fights back for you.
They contact hundred disease data brokers and legally demand your
file be deleted, scrubbed, and that's what Incognate does. And
if a new broker pops up in Cogni finds them
and squashes that too. And I'm a huge fan. Before
(25:25):
the show, I've logged into my account in Cogni and
hundreds of removal requests have been completed. Hundreds more are
in progress. So, like hundreds of others, people take your
hundreds of thousands of other people take your life, your data,
your privacy back within cogny sixty percent off when you
use my name handle go to INCOGNITII n cog ni
(25:49):
in cognity dot com slash handle Incogniti dot com slash handle.
This is handle on the law. Kay if I handle here,
it is a Saturday morning, the number eight hundred five
to zero one five three four eight hundred and five
two zero one five three four and you will get in.
(26:10):
We have lines that are open and back we go
more handle on the law. Roland, you're a pellow Roland.
Welcome aboard, Hi Bill.
Speaker 8 (26:22):
I've been calling you a couple of times Teck of
Valentine's today, and I called you last week. The person
that assaulted me, the landlord, he's got me an unlawful
detainer care in coming up. He gave you the three
day to quit notice four days after the assault. Arrest
and stuff. Wonder if that scrounds to be able to
throw out the unlawful desayner.
Speaker 2 (26:40):
Okay, well, the three day notice to quit, I'm assuming
it's for non payment.
Speaker 8 (26:46):
Yeah, but I had the money in the bank. He
told me it wasn't necessary to pay him. Then after
the assault, he wouldn't take the money.
Speaker 2 (26:52):
Okay, So you had money in the bank. Did you
attempt to pay him?
Speaker 8 (26:57):
Yep? And I have the money, I have the red
I mean, okay, the money.
Speaker 2 (27:00):
And it doesn't matter that. Yeah, it doesn't matter that
you had money in the bank. What did you do
to pay him or attempt to pay him? What were
the physical moves that you did?
Speaker 8 (27:13):
Told him I got the rent, he said, I'm I'm
not accepting it.
Speaker 2 (27:15):
Okay. But that's all verbal, right.
Speaker 8 (27:18):
Yeah, all verbal, No, no witnesses.
Speaker 2 (27:21):
Yeah, it's a problem. It's a problem. So you're going
to have to h first of all, you deny that
you owe the money. You're going to tell him he's
bout himself a court battle. Uh, and you show them,
you show the court what's going on. Why did and
he assaulted you? Right? And that's a separate issue, uh,
that you throw in front of the court that that's
all you can do what happened as far as the
(27:41):
assault is concerned. When what happens is a result of that.
Speaker 8 (27:45):
So far enough and I have to get a new CD.
Like you said, that is twenty seven dollars, well spent.
I didn't mean to be cheap, but you know.
Speaker 2 (27:53):
When looking at it, Okay, I'm confused. Hold on, hold on,
was he arrested? Did you make a police report? What happened?
Speaker 4 (27:59):
Yeah?
Speaker 8 (28:00):
I got the rescue for to build the shares of the.
Speaker 5 (28:03):
Ones that arrest them.
Speaker 2 (28:04):
Oh, he's one of the Russia. Then you have it.
Then you have a very good case. Then you have
a good case. You deny it, you defend it, and
you say no, thank you, you show your proof. Now
you're gonna you have a landlord that's really pissed off
at you, but you deal with it. But you know, yeah,
that's defensible, and usually they are not defensible when you
have a three day notice to pay rent or quit,
(28:25):
particularly what it's all verbal. Yeah, I had the money. Yeah,
I was going to send it to him. He said no,
he wouldn't accept it. You know, that's an issue in
front of the court. Dan Hi Dan you're up. Welcome,
good morning.
Speaker 7 (28:39):
I had a wreck with my motor home recently and
I'm thinking I might total it. I'm not for sure yet.
I'm wondering if do you have to accept their offer,
no matter what it is, because I have replacement a
cash value of Yeah.
Speaker 2 (28:53):
No, no, no, you don't have to accept their value.
You can always negotiate it. And then the issue becomes
what is their duty. Their duty is to replace or
repair your motor home to the extent that it was
the day before the accident, the day before it was totaled.
But if you don't want it and you just start arguing,
you go, no, I'm not interested, and then the worst
(29:14):
comes to worse. You make a claim against the insurance
company who says no. And it happens all the time. Yeah,
don't be do not be upset or don't be intimidated
by that. Insurance companies are constantly crazy, and they're constantly
going after you, and they're well, they're defending by saying, oh, no,
we're not going to pay you. There's no way, which
(29:35):
is why. By the way, if you've been injured, let's
say you've been injured in a car accident, an insurance
company on the other side goes back and makes an offer. No. No, However,
let me tell you these guys are experts in not
paying you, these insurance companies. So if you're negotiating with
the insurance company and you've been injured and it's a
slip and fall or an accident, a car accident, it's
(29:57):
not your fault. Yeah, I tell you you're in way over
your head right off the bat. So let me suggest
contacting handle on the law dot com. These are lawyers
who have been vetted and if there's a problem, I
make the phone call. And this is the way to
go because otherwise, let me tell you're going to get
screwed by the insurance companies. It's that simple. You can
call eight eight eight eight eight eight eight six six
(30:19):
eight eight eight eight eight eight eight eight six six
eight Handle on the law dot Com. Handle on the
law dot Com. This is Handle on the Law.
Speaker 1 (30:30):
You've been listening to the Bill Handle Show. Catch My
Show Monday through Friday six am to nine am, and
anytime on demand on the iHeartRadio app.
You're listenings KFI AM six forty the Bill Handles show
on demand on the iHeartRadio app.
Speaker 2 (00:08):
KFI AM six forty. Bill Handle here, and good morning,
And this is a Saturday right up until eleven o'clock
tomorrow Mother's Day. So I hope you like your mother.
It doesn't really matter. And we are going to celebrate
tomorrow here at KFI by me not doing anything except
(00:32):
starting to broadcast on Monday. So that's how I celebrate
Mother's Day in any case, as always on a Saturday
or anytime. The phone number here is eight hundred five
to zero one five three four. That's eight hundred five
to zero one five three four, And I answer the questions,
of course. And this is the way we always start
(00:54):
the show, and the first hour, the first segment of
the first hour. It's like, you know, the end of
World War one, the eleventh hour of the eleventh day,
the eleventh day of the eleventh hour of the eleventh month,
and the war is over. So here's how we started.
And that is the first hour of the first segment,
(01:14):
and the number is eight hundred five two zero one
five three four. You get in early, and you're not
going to be waiting. Sometimes you wait an hour to
get a board, and sometimes you can't get in at all,
and sometimes you have. You know, it gets in fairly easy.
You never know, never know how it works in any case.
(01:34):
The number eight hundred five two zero one five three four.
This is Handle on the law Marginal legal advice, where
I bill Handle tell you, whatever your name is, you
have absolutely no case. And I love when I do that. Now,
obviously everybody knows a matter of fact, it was an
(01:55):
international story about the wildfires in southern California and Los
Angeles specifically, and as you can imagine what I think,
thousands of homes maybe six thousand homes went up in
businesses and a few deaths, and it was just the
(02:17):
most god awful unnatural occurrence that ever happened in southern California,
certainly a fire. And so as you can also imagine,
the insurance claims came in like crazy. And there is
also a state insurance plan. And the state insurance plan
(02:37):
is when you can't get fire insurance here in California,
you can through the state and that's called the Fare Plan,
and that is funded by all insurance companies and it
goes into a fund and that goes to pay off
homeowners who only lose their homes for fire. That's it's
just fire insurance, not liability, not any other kind of insurance.
(03:01):
It is insanely expensive and it is fairly limited and
how much money it's going to pay. But that's the
insurance as a last resort. And why do we need
insurance as a last resort Because a lot of insurance
companies will not touch home insurance here in southern California.
They just won't do it, especially in fire areas where
not only is it more money if they do insure you,
(03:22):
and I mean substantially more money, but also you can't
get it in many cases. So the biggest company is
State Farm Insurance. Interestingly enough, the big insurance companies had
the money to pay, which floored me on that one.
I thought they would have to go bankrupt or come
up with some kind of money. No, they had the
(03:44):
money to pay. But the argument has been the accusation
is a state farm specifically was making life miserable for
the insured. And the argument was that State Farm delayed, underpaid,
buried policy holders in red tape at the worst moment
of their lives. I'm quoting Insurance Commissioner Riccardo Laura that
(04:08):
is asking to suspend State Farm's license for up to
a year and pay millions and they haven't discovered, they
haven't determined how much millions of dollars in penalties against
State Farm, alleging that it mishandled the insurance claim of
the January twenty twenty five while fire in La City Palisades,
(04:31):
very expensive area, basically burnt up. And then he had
the Altadena fire which was a few miles away and
Altadena basically burnt up. And so the Commissioner Ricardo Laura
is seeking a cease and desist order to stop State
Farm from engaging in unfair or deceptive practices and to
(04:54):
argue it should suspend State Farms certificate of authority for
up to a year, which means no new policies during
that policy or during that period a case is going
to be heard by a state administrative law judge. And
how do we know? How do we know? Well that
there was an investigation, which always happens. In two hundred
and twenty sample claims were submitted at random, and the
(05:19):
Department of Insurance found out of the two hundred and
twenty sample claims three hundred and ninety eight violations of
state law in about half of the claims. I mean,
this is not just one or two that State Farm
screwed up. This according to the State Commission, Department of
(05:40):
Insurance said this was a concerted effort. State Farm purposely delayed,
purposely underpaid, purposely buried policy holders in red tape. And
I know people who've lost their homes. I work here
by radio station, and there are plenty of people that
lived in Palisades who work at the station, and plenty
(06:02):
of people lost their homes. And I had one who
said the insurance company was doing a great job and
it wasn't State Farm. The rest of the claims that
were involved in State Farm and other insurance companies, they
made it miserable, made it miserable. Claims were made, Adjusters
came out, No, no, you don't need this much money.
(06:23):
Oh no, no, you didn't have this value of furniture.
Just made it miserable, and claims were put in and
that was god awful. It's a mess. It really is. Now.
I'll tell you what also is a mess, and that's
privacy online. You probably know by now there's no such
(06:45):
thing as privacy online. Everything, I mean everything about you
was available. Your home address, where you work, where you bank,
what you buy, where you buy it, court records, accident
to history, insurance companies that use the used that information
to raise rates. Oh and let's not forget about DMV info,
your credit score, your social media and this list goes
(07:05):
on and on and it's all out there and it's
not hard to get and if you can believe, it
actually gets worse because all of your information is collected
by hundreds of data brokers that then gets sold to
anyone who wants to buy it, and your data and
most importantly, your privacy is toast. And this is where
Incognate comes into play and fights back. They contact hundreds
(07:27):
of these data brokers and legally demand your information to
be deleted. That's what Incogny does. And when new brokers
pop up in COGNI finds them and squashes that information too.
And I'm a huge fan. I have proof before the show.
I logged onto in Cogny and hundreds of removal requests
have been completed, hundreds more are in progress and being scheduled.
(07:49):
Incognia has helped hundreds of thousands of people. So take
your life, your data, your privacy back with Incognity sixty
percent off when you use my name handle go to
inc cogny I n cog n I in cogny dot com,
slash handle in cogny dot com slash handle. This is
(08:10):
handle on the Law. Kay fine handle here on a
Saturday morning now eight hundred five two zero one five
three four eight hundred five two zero one five three four.
All right, let's take some phone calls. Dave, welcome to
Handle on the law.
Speaker 3 (08:28):
And I own a duplex. Both of our names are
on the mortgage. I live in one half and she
rents out the other half. I owe federal taxes. Is
here and unable to pay all at once? Can the
irs take my property?
Speaker 2 (08:47):
Yeah? Yeah they can. They're really good about that. Now
do they usually know? You try to cut a deal
if you possibly can. It's not easy and they don't
do it very often, but they do cut deals. That's
what happens. How much do you owe?
Speaker 3 (09:04):
Am seventeen hundred dollars? My tax preparer suggested I submit
one hundred dollars at least, which I did, and she
said that I should expect communication with the irs.
Speaker 2 (09:20):
Yeah, you will you'll get combected IRS. Yeah, probably it'll
be by email because that's a real low number. Your
tax preparer should contact the IRS as soon as you
get whatever communication and it'll say your short money or
this is what you owe is and there's penalty and
there's interest. So if you don't pay it, interest builds up,
(09:40):
penalties build up. So within two years it comes to
about a billion four not really, so you owe relatively
little money. So at this point you owe sixteen hundred dollars,
but the IRS has to be contacted. It has to
be contacted, and it's now your tax preparer should be
an enrolled agent because they're the only people that are
(10:03):
allowed to appear before the IRS. But that is a
fairly easy, easy thing to do. And then just start negotiating.
And depending on how much money you have, depending on
what kind of deal you can go you can do
in terms of a repayment, you're in pretty good shape.
The money saves your the money saves your butt. All right, So.
Speaker 3 (10:22):
I'm going to a bankruptcy right now, so minimal payments.
Speaker 2 (10:26):
But yeah, yeah, and you know, bankruptcy doesn't stop you
from paying taxes. One of the wonderful things about the
tax code is it doesn't you ever rats about you
going bankrupt or not, but it even makes sure you
that even makes them more susceptible to a negotiation. And
you go. You know, they may take one hundred dollars
a month easily, they'll take one hundred dollars a month
(10:46):
over sixteen months. That should be fairly easy to do.
All right, Dave, Yeah, so far were good news? All right?
Good news? God, I hate star doing the show with
good news. You got it, all right, Brett, Brett, welcome
to handle on the law.
Speaker 4 (11:02):
I go.
Speaker 5 (11:04):
My neighbor was out of town and asked me to
take a package to FedEx that he was returning to.
So it wasn't what he ordered. They wanted me to
pay for it. He said it was a prepaid label.
I've not had this package for three weeks. And it
turns out he wasn't just out of town working, he
moved to Florida. What are my options? What are my obligations?
Speaker 6 (11:28):
Okay?
Speaker 2 (11:28):
Do you have his address not the.
Speaker 5 (11:32):
One in Florida? No, I had his old address.
Speaker 2 (11:34):
Okay, you want to contact him and or try to
contact him, and depending on how much how much effort
you put into it. Then you just keep it and
if he comes after you, you have the proof that
you tried to contact him. I've called, I have his
old address, I've asked for a forwarding address, and I
(11:56):
just can't get it. So I just kept it. Do
you have any idea what a package?
Speaker 5 (12:02):
It looks like? Kind of a coffee table or dining table.
It's one hundred pounds.
Speaker 2 (12:09):
Whoh, it's a big package. How much do they want
you to pay for it?
Speaker 5 (12:14):
One hundred and sixty dollars?
Speaker 2 (12:15):
One hundred and sixty dollars. Oh, and your buddy expected
you to pay one hundred and sixty dollars. Yeah, just
keep it, Just keep it. You'll be fine. But just
make sure that if he comes back, make sure that
if he comes back, you prove that you have tried
to that you have tried to find him and put
in there. I'm going to keep it and try again
(12:36):
and try again, because is he going to come back?
I don't know, is it? Have you opened the package?
Do you have any idea?
Speaker 5 (12:44):
No, I'm not going to open it. I was hoping
to send it, but it is.
Speaker 2 (12:48):
No, you don't have to pay, No, you don't have
to pay one hundred and sixty dollars to send a
package for him. No, absolutely not so the only reason
I asked you, I'm.
Speaker 5 (12:58):
Sorry, How long should I wait before you know what?
Speaker 2 (13:03):
The longer you know, the longer the better. I wouldn't
do it in a week, but I don't think you
have to wait three or four months either, So a
reasonable time unless there is an ordinance, Unless there is
a state or local ordinance that says, probably state you
must keep it at X period of time, and I
don't know what that is. You could look that up.
(13:25):
Where do you live?
Speaker 5 (13:27):
Los Angeles County.
Speaker 2 (13:29):
Okay, LA County? Is it unincorporated or a city specifically
Santa Karida, Okay, Santa Clarita. I don't know if that's
incorporated or not part of LA proper. Yeah, I would
look at LA County to see if there's any ordinance,
look at the state of California to see if there
are any ordinances, and if not, you know, open it
(13:52):
up and if it's it's kind of a I don't
know what the quality is, but you may end up
getting a really neat coffee table. And on the other hand,
you may have a piece of junk on your hands.
No one knows. All right, let me suggest if you
have bad breath and it's all about Zelmons. Zelmons is
about fresh breath. And what Zelmans does it is a
(14:14):
double hit. What does that mean? Well, of course you
have bad breath in your mouth bagels and locks. That's
what I had this morning, and then coffee, and so
I have coffee breath, and I'm gonna eat garlic and onions,
and you know my breath is not gonna be wonderful,
so I'll pop a couple of Zelmonds in my mouth.
These are little capsules of parsley seed oil with a
good strong minty covering. And then when the mint is gone,
(14:35):
as I'm sucking on the little capsules, I then bite
into them or swallow. I do the swallow and it
goes to work in your gut where well imagine this.
The foods you eat, they go into your stomach and
the breath doesn't stop right there because guess what goes up? Yeah,
so Zelmans takes care of that. And there's no mint
in the world that handles that. And that's what Zelmans
(14:58):
does money back guarantee. And I've known these folks for
over thirty years, so I have no problem standing behind
this product. So go ahead and join millions of people
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(15:18):
dot com. This is Handle on the Law.
Speaker 5 (15:22):
You're listening to Bill Handle on demand from kf I
AM six forty.
Speaker 2 (15:29):
KFI AM six forty Bill handle here Saturday morning, eight
hundred five two zero one five three four up right
up until eleven o'clock this morning at number eight hundred
five two zero one five three four. If you have
a legal question, this is Handle on the Law Marginal
(15:51):
legal advice. Okay, we have some phone calls, because that's
what this show is about. Tim. Hi, Tim, you're up.
Welcome to Handle on the Law.
Speaker 4 (16:03):
Hello, I'm wondering, can I see an attorney who had
changes made in my father in law's trust after my
father in law was already being incapacitated and not able
to make financial decisions on his own. Behalf?
Speaker 2 (16:20):
All right?
Speaker 7 (16:21):
Uh?
Speaker 2 (16:21):
Well, first of all, start with your name? Is it Tim?
Speaker 3 (16:26):
Kim?
Speaker 4 (16:27):
Oh?
Speaker 2 (16:27):
Tim? Got it all right? Just wondering that's very strange
for a woman. Now, so your father in law makes
a will and now and he is incapacitated, and the
attorney changes the will after he is incapacitated. Yes, oh okay, yeah, okay, okay, yeah,
(16:49):
I got it. A couple of questions. Are you a
beneficiary under the trust?
Speaker 4 (16:55):
My husband was?
Speaker 2 (16:57):
Okay, okay? And so did his share of the trust
increase or decrease after the change was made?
Speaker 3 (17:11):
Uh?
Speaker 4 (17:12):
That's uh? What changed was who was the trust? Or Okay,
that doesn't.
Speaker 2 (17:19):
Really Yeah, that doesn't really, that doesn't really matter because
it's really a question of the beneficiary. I mean, if
your husband, your husband received if your husband received more money,
why would you undo it?
Speaker 4 (17:34):
No, he did not receive more money.
Speaker 2 (17:36):
Did he receive less money than the previous trust?
Speaker 4 (17:40):
Yes?
Speaker 2 (17:41):
Okay, how much less?
Speaker 4 (17:45):
Okay? So the original trust was kind of weird. Father
in law said, we're going to take all of the
assets and divide it by twelve oh one of the
siblings gets, one of the siblings gets five, the other
sibling gets, and the other sibling gets too. Because he
was pissed off at the Yeah.
Speaker 2 (18:04):
Of course he is okay, all right?
Speaker 4 (18:07):
That he made an amendment after he was deemed incapacitated.
Speaker 2 (18:12):
Who deemed him incapacitated, Who deemed him? Who deemed him incapacitated? Okay,
so medically he was deemed okay, all right, so he
was deemed incapacitated and did uh he he signed the
amenda trust? Correct, and it was notarized. Okay, so you
have a note? Did the notary have any idea that
(18:32):
Dad was incapacitated? No? All right, Yeah, you're not going
to sue for malpractice. What you're going to sue is
to invalidate that amend to trust and you're going to
go back to the previous trust. Yeah, you're not going
to sue.
Speaker 4 (18:48):
Conserved.
Speaker 2 (18:49):
Oh no, no, because you would have spent that money anyway.
The whole issue is that the whole issue is just
the trust. And if the trust here the attorney screwed up,
is worth suing him for amouthpractice?
Speaker 3 (19:02):
No?
Speaker 2 (19:02):
Not really. What you have is you have one of
the brothers basically got screwed and because the trust was amended,
would it shouldn't have been amended? That's all this question
of damages. I mean, you know, what are you gonna
do with the attorney? Okay? And how much money are
we talking about? Getting screwed out of.
Speaker 4 (19:22):
Cost us eighty thousand dollars for the conservatorship.
Speaker 2 (19:26):
No, you would have a conservatorship anyway. You would have
to have done the conservatorship anyway. Why, because it's the
law has to recognize there's a conservatorship. Let me ask you.
Would you have just kept him incapacitated, just let it,
let it go, and let him walk around incapacitated. You wouldn't.
You wouldn't have gotten a conservatorship. You would have let justice.
Speaker 4 (19:50):
I would have put him in assisted living?
Speaker 2 (19:52):
Okay? What does that have to do?
Speaker 4 (19:53):
What is that?
Speaker 2 (19:54):
Okay? What does that have to do? What does that
have to do with the trust. You wouldn't have put
him in an assisted living? Or you? Did you put
him in an assisted living?
Speaker 4 (20:06):
We tried to, and after they signed the amended trust,
they took away power of attorney.
Speaker 2 (20:14):
Okay. Did they put him into an assisted living facility?
Speaker 3 (20:18):
No?
Speaker 2 (20:19):
No, they just let him run around incapacitated.
Speaker 4 (20:23):
They let him live at home with three home care
nurses personal Okay.
Speaker 2 (20:29):
Would they would they have done that anyway? Kim, is
what I'm asking?
Speaker 4 (20:34):
No?
Speaker 8 (20:34):
No?
Speaker 2 (20:34):
All right? So all right, so your argument is we'd
have left him around. We wouldn't have hired the nurses.
He's incapacitated. He could have been on the street, he
could have been walking around, and because we didn't do that,
we didn't get more money. So what you're going to
argue is because the trust was amended, then you had
(20:56):
to put him in a home right with assisted living
or he had the nurse. If he had not amended
the trust, you would not have ever put him into
an assistant living. Where are you going to go with that?
Speaker 4 (21:07):
No?
Speaker 2 (21:08):
Yeah, I diad, You're not. You're making it really clear.
So I don't know what to tell you, you know,
I you know, just don't know what to tell you,
all right, Frank, Hello, Frank.
Speaker 6 (21:18):
Hey, how are you?
Speaker 2 (21:20):
Yeah?
Speaker 6 (21:20):
I live my daughter's mother went together twenty seven years, okay,
and she has horses. And when we had that bad snowstorm,
I was, you know, I live with her and you
know where we're We were both divorce so we didn't
want to remarry. So anyway, so I was helping her
with the horses and I slipped. She was standing right there.
(21:41):
My slip went down, broke a few ribs. Went took
care of that. Okay, ribs are healed nicely, but a
week late, not even A few days later, I had
was slipping again. I grabbed the fence, you know, the
paddock for the horses, and pulled the muscle right off
my arm. I've been in agony, oh sure, And I
really don't want to. I don't want to. Heard somebody said, love,
(22:03):
I'm seventy three, I'm being a better I don't want
to hurt her in any way, But damn, I could
you know if I can, I said, somebody, gets somebody
to help me until the bone gets.
Speaker 2 (22:13):
Back right by damn?
Speaker 6 (22:18):
You know, But that's what I'm not looking at her
make money.
Speaker 4 (22:20):
Or I heard her?
Speaker 2 (22:21):
You know? Well, No, the only I got news for you, Frank.
The only way that you can be health is to
make money, because that's all you're going to be able
to get is money. Okay, that's for starters. Uh, let's
also start with you slipped twice? What did she do wrong?
Did you? Did you not know it was icy? Did
you not know there was still on the ground?
Speaker 6 (22:43):
It was icy? You didn't know it was icy? It
shoveled it.
Speaker 2 (22:48):
So what did she do wrong? So let me ask you,
Let me ask a question. What does she do wrong?
Speaker 6 (22:54):
Maybe we should have put more stand down.
Speaker 2 (22:57):
Okay, that's it. Well, the insurance company is going to
have an I can't put Okay, yeah, no, I understand, No,
I get it. I get no. I understand that. So
now you have to argue that somehow because she didn't
put sand down, or she lets you get on the horse,
or whatever argument you can make. I doubt that the
(23:21):
insurance company is not going to fight it.
Speaker 9 (23:23):
You have to sue her. Frank, you've got a sewer.
There's no way around it. You've got to make a
claim against her. You got to make a claim. That's
the only way around it. So so you have insurance.
That's why God invented insurance.
Speaker 2 (23:37):
You make the claim, you get paid, You get your
medical care covered, although you're probably on Medicare so that's
probably going to be covered anyway. So yeah, no, you're
that's yeah. So bottom line is you're going to have
to sue her. Yeah. I don't want to get involved. Also,
people call me up. I don't want to go into liddygate. Okay,
(24:01):
but I want to get paid. Okay, what do you think?
Just people roll over, Sure, we'll pay you. No claim
has to be made, and the insurance company has to
accept liability. On the insured at least partial liability, depend
on what state you're in, whether it's comparative negligence or not,
which is a whole world onto itself. And then you
(24:22):
start arguing, and if the argument, if you can't come
to terms, guess what it's lawsuit city. Now you probably
know by now there is no such thing as privacy online. Everything,
I mean everything about you is available. Your home address,
where you work, where you bank, what you buy, where,
court wrecords, accident history, insurance company using that to raise
(24:42):
your rates. Oh also DMV information, your credit score, your
social media and I could go on for half an
hour on that one. It's all out there and it
is not hard to get. And can you believe this?
It actually gets worse because all of your information is
collected by hundreds of data brokers and then gets sold
to anyone who wants to buy it, and your data
(25:04):
and your privacy is toast. And this is where Incogny
comes in comes into play and fights back for you.
They contact hundred disease data brokers and legally demand your
file be deleted, scrubbed, and that's what Incognate does. And
if a new broker pops up in Cogni finds them
and squashes that too. And I'm a huge fan. Before
(25:25):
the show, I've logged into my account in Cogni and
hundreds of removal requests have been completed. Hundreds more are
in progress. So, like hundreds of others, people take your
hundreds of thousands of other people take your life, your data,
your privacy back within cogny sixty percent off when you
use my name handle go to INCOGNITII n cog ni
(25:49):
in cognity dot com slash handle Incogniti dot com slash handle.
This is handle on the law. Kay if I handle here,
it is a Saturday morning, the number eight hundred five
to zero one five three four eight hundred and five
two zero one five three four and you will get in.
(26:10):
We have lines that are open and back we go
more handle on the law. Roland, you're a pellow Roland.
Welcome aboard, Hi Bill.
Speaker 8 (26:22):
I've been calling you a couple of times Teck of
Valentine's today, and I called you last week. The person
that assaulted me, the landlord, he's got me an unlawful
detainer care in coming up. He gave you the three
day to quit notice four days after the assault. Arrest
and stuff. Wonder if that scrounds to be able to
throw out the unlawful desayner.
Speaker 2 (26:40):
Okay, well, the three day notice to quit, I'm assuming
it's for non payment.
Speaker 8 (26:46):
Yeah, but I had the money in the bank. He
told me it wasn't necessary to pay him. Then after
the assault, he wouldn't take the money.
Speaker 2 (26:52):
Okay, So you had money in the bank. Did you
attempt to pay him?
Speaker 8 (26:57):
Yep? And I have the money, I have the red
I mean, okay, the money.
Speaker 2 (27:00):
And it doesn't matter that. Yeah, it doesn't matter that
you had money in the bank. What did you do
to pay him or attempt to pay him? What were
the physical moves that you did?
Speaker 8 (27:13):
Told him I got the rent, he said, I'm I'm
not accepting it.
Speaker 2 (27:15):
Okay. But that's all verbal, right.
Speaker 8 (27:18):
Yeah, all verbal, No, no witnesses.
Speaker 2 (27:21):
Yeah, it's a problem. It's a problem. So you're going
to have to h first of all, you deny that
you owe the money. You're going to tell him he's
bout himself a court battle. Uh, and you show them,
you show the court what's going on. Why did and
he assaulted you? Right? And that's a separate issue, uh,
that you throw in front of the court that that's
all you can do what happened as far as the
(27:41):
assault is concerned. When what happens is a result of that.
Speaker 8 (27:45):
So far enough and I have to get a new CD.
Like you said, that is twenty seven dollars, well spent.
I didn't mean to be cheap, but you know.
Speaker 2 (27:53):
When looking at it, Okay, I'm confused. Hold on, hold on,
was he arrested? Did you make a police report? What happened?
Speaker 4 (27:59):
Yeah?
Speaker 8 (28:00):
I got the rescue for to build the shares of the.
Speaker 5 (28:03):
Ones that arrest them.
Speaker 2 (28:04):
Oh, he's one of the Russia. Then you have it.
Then you have a very good case. Then you have
a good case. You deny it, you defend it, and
you say no, thank you, you show your proof. Now
you're gonna you have a landlord that's really pissed off
at you, but you deal with it. But you know, yeah,
that's defensible, and usually they are not defensible when you
have a three day notice to pay rent or quit,
(28:25):
particularly what it's all verbal. Yeah, I had the money. Yeah,
I was going to send it to him. He said no,
he wouldn't accept it. You know, that's an issue in
front of the court. Dan Hi Dan you're up. Welcome,
good morning.
Speaker 7 (28:39):
I had a wreck with my motor home recently and
I'm thinking I might total it. I'm not for sure yet.
I'm wondering if do you have to accept their offer,
no matter what it is, because I have replacement a
cash value of Yeah.
Speaker 2 (28:53):
No, no, no, you don't have to accept their value.
You can always negotiate it. And then the issue becomes
what is their duty. Their duty is to replace or
repair your motor home to the extent that it was
the day before the accident, the day before it was totaled.
But if you don't want it and you just start arguing,
you go, no, I'm not interested, and then the worst
(29:14):
comes to worse. You make a claim against the insurance
company who says no. And it happens all the time. Yeah,
don't be do not be upset or don't be intimidated
by that. Insurance companies are constantly crazy, and they're constantly
going after you, and they're well, they're defending by saying, oh, no,
we're not going to pay you. There's no way, which
(29:35):
is why. By the way, if you've been injured, let's
say you've been injured in a car accident, an insurance
company on the other side goes back and makes an offer. No. No, However,
let me tell you these guys are experts in not
paying you, these insurance companies. So if you're negotiating with
the insurance company and you've been injured and it's a
slip and fall or an accident, a car accident, it's
(29:57):
not your fault. Yeah, I tell you you're in way over
your head right off the bat. So let me suggest
contacting handle on the law dot com. These are lawyers
who have been vetted and if there's a problem, I
make the phone call. And this is the way to
go because otherwise, let me tell you're going to get
screwed by the insurance companies. It's that simple. You can
call eight eight eight eight eight eight eight six six
(30:19):
eight eight eight eight eight eight eight eight six six
eight Handle on the law dot Com. Handle on the
law dot Com. This is Handle on the Law.
Speaker 1 (30:30):
You've been listening to the Bill Handle Show. Catch My
Show Monday through Friday six am to nine am, and
anytime on demand on the iHeartRadio app.
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