Episode Transcript
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Speaker 1 (00:00):
You're listenings.
Speaker 2 (00:01):
I am six forty the Bill Handles show on demand
on the iHeartRadio f.
Speaker 1 (00:08):
STAF.
Speaker 2 (00:09):
I am six forty Bill Handle here Saturday morning, two
hours more to go. It's a Saturday of the World
Series Game seven tonight between the Blue Jays and the Dodgers.
That should be a pretty fun game. Actually, the game
was pretty good last night. The Dodgers didn't look like
a high school baseball team like they did previous couple
(00:30):
of nights.
Speaker 1 (00:31):
All right.
Speaker 2 (00:31):
Also, I want to remind you next Saturday, from two
to five, that's always the Fork Report with my friend Neil,
who's with me every morning on the morning show. He
is broadcasting on a remote and that's from the Wild
Fork Store in Laguna Miguel and that will be from
two to five o'clock. I am joining him and inviting
(00:54):
you to join us because it's the annual Thanks grilling
where we have chefs from all over cooking up and
grilling and barbecuing, and the food is from Wild Fork,
which is tremendous food. It's unbelievable. And Zelman's will be
there handing out samples. It's gonna be a lot of
fun there. It's once a year and it's a huge
(01:14):
event that we do. And so at Laguna Miguel the
Wild Fork Store two to five pm.
Speaker 1 (01:20):
Love to see you. There.
Speaker 2 (01:21):
Also the phone numbers here, Let's get to that because
that's pretty important on this show. Eight hundred five two
zero one five three four. The number is eight hundred
five two zero one nine three four. That's the number
to call. We have lines that are open because of
course it's the top of the hour. Eight hundred five
two zero one five three four. This is Handle on
(01:45):
the law marginal legal advice, where I bill Handle tell
you in certain name here you have absolutely no case.
Now I don't know if you well, of course you do.
Medical debt in this country is completely overwhelming. If you
don't have insurance, actually good insurance, and you have any
kind of a medical procedure, medical or even minor, you're
(02:09):
gonna go broke.
Speaker 1 (02:10):
I mean, just that simple.
Speaker 2 (02:12):
The cost of medicine in this country is astronomical. We
have a broken system. We don't have a national health plan,
a single payer plan like every other country, the industrialized
country the world has.
Speaker 1 (02:23):
But that's the politics of it.
Speaker 2 (02:25):
Let's talk about the practicality of this and that is
if you don't have insurance or good insurance, and you're
not dirt poor, then a procedure is done and you're
going to owe a whole lot of money, and I
mean a whole chunk of money, which most people can't afford.
I had open heart surgery, for example, a few years ago,
(02:47):
and I have a great HMO. I'm with Kaiser, and
I have this platinum top of the line coverage. So
even with that, I paid three thousand dollars out of pocket.
All right, I mean three thousand dollars is no fun,
but for or an open heart surgery. I looked at
the bill, the internal bill. I got hold of one
hundred and twenty five thousand dollars and I had to
(03:07):
pay three thousand for various tests and procedures and labs,
et cetera, and staying overnight in the hospital.
Speaker 1 (03:13):
I spent a week.
Speaker 2 (03:14):
There and it was I mean, can you imagine locking
out the door and owing one hundred and twenty five
thousand dollars. It's completely crazy. So here's what happens. Most
of the time people go bankrupt. For a huge number
of people that go bankrupt, and of course their credit
is totally ruined.
Speaker 1 (03:34):
Now there are.
Speaker 2 (03:37):
States that say that can't even be put on your
credit report. You don't have to go bankrupt, you know
the money, and if you don't have the money, you
go ahead and do what you want to do. But
medical debt cannot be put on your on your credit report.
Speaker 1 (03:53):
That sounds reasonable, That is reasonable.
Speaker 2 (03:56):
New York probably is the most liberal state or the
most pro consumer state. California also has some laws pertaining
to what can be put on your credit report.
Speaker 1 (04:08):
Well, the Trump administration is moving to get rid of
all of that.
Speaker 2 (04:12):
They're moving to overrule any state laws that protect consumers
from the credit reports from medical debt.
Speaker 1 (04:20):
And this is a big one.
Speaker 2 (04:21):
This is the Trump administration saying that you know what
it's going to be reported.
Speaker 1 (04:27):
You owe, you owe, and that's the way it goes.
Speaker 2 (04:30):
You imagine the uproar on that one, because the majority
of bankruptcies out there, personal bankruptcies, are because of medical debt.
Speaker 1 (04:38):
And if there is no medical.
Speaker 2 (04:39):
Debt, if we had single payer insurance, now we're back
to the politics. If we had a plan where out
of taxes, medical bills are paid, which happens in every
industrialized country in the world short of US, then none
of this would even occur. But the bottom line is
the state's protections against reports medical debt will be gone.
(05:03):
That's what they're doing. Trump administration is now moving to
the Consumer Financial Protection Bureau to draft laws relating exactly
to that, don't get hurt, don't go to the hospital,
don't have tests. You ever been in a hospital or
a clinic. It's nine dollars for two aspirin. I mean
they go crazy. All right, some phone calls. Let's do it.
Speaker 1 (05:26):
Hi, Timmy, welcome, you're up.
Speaker 3 (05:30):
Yeah.
Speaker 4 (05:30):
I had a one a two million dollar personal injury case.
I have two brief questions about it. Regarding malpractice. My
attorneys filed a nine nine eight for a million dollars,
and we obviously surpassed a million dollar nine ninety eight.
Speaker 3 (05:47):
Uh.
Speaker 4 (05:48):
And then later subsequently I found out that they did
not disclose to me that they filed a two point
five million dollar nine nine eight. I was never notified
of that. I want to know if that.
Speaker 1 (05:59):
Yeah, yeah, you probably, Yeah, that sounds like malpractice.
Speaker 2 (06:02):
By the way, a nine nine eight motion for people
that don't know, is that when a settlement, when you're
talking settlement and the defendant says Uh, here is what
I'm offering to pay.
Speaker 1 (06:13):
Here is my offer and.
Speaker 2 (06:16):
Uh the uh the the plaintiff says, nope, not taking it.
If the money goes underneath that offer, then the defendant
pays all attorneys fees. Uh, and over that. Uh, you're
free and clear for my understanding of nine nine eight.
Speaker 5 (06:32):
Uh.
Speaker 1 (06:32):
If yeah, if then so, yes there was malpractice.
Speaker 2 (06:36):
You have you should have been one hundred percent prize
of that because that took away Any settlement agreement has
to take a nine nine and eight into into consideration.
Just have to, because you're talking about attorney's fees. Uh.
In fact being involved. That's a big, big money, especially
in a two million dollar case.
Speaker 1 (06:53):
So yes, malpractice.
Speaker 4 (06:54):
Now next questioning last, Okay, the second issue with them
is they had my medical treating doctors come in and
explain the bills and everything, and then when it was
time to I guess, justify the bills or render the
bills as reasonable industry standard reasonable, they used one of
(07:18):
my treating doctors to do that, and the judge disallowed
the medical bills and they it costs about five hundred
grand in the settlement. And I'm wondering if that also is.
Speaker 1 (07:29):
That yeah, okay a couple of things. I don't know why.
Speaker 2 (07:34):
The judge disallowed that because, well maybe because it wasn't
an expert witness on the validity.
Speaker 1 (07:40):
Of those bills and reason that's what it was.
Speaker 2 (07:42):
Okay, got it. So you bring in your own doctor
and you and you're trying. You're supposed to bring in
an expert to deal with the validity of these bills.
Speaker 1 (07:51):
You didn't bring in an expert. You brought in your
own doctor.
Speaker 2 (07:54):
And the judge said, not going to hear that, don't
want it, and so disallowed it.
Speaker 1 (07:59):
And it was five hundred thousand dollars. That's another issue.
Speaker 2 (08:03):
Of medical malpractice for your attorney to bring in your
own doctor to justify the reasonableness of a medical bill,
where you're supposed to bring in an expert witness outside
of the case. Yeah, the lawyer blew it. Yeah, real simple.
So you have malpractice all over the place. Two million bucks?
Speaker 5 (08:22):
How much did you get?
Speaker 1 (08:23):
How much did you.
Speaker 4 (08:24):
Get, by the way, got two million?
Speaker 1 (08:27):
Okay you got physically you got two million dollars out
of that? How much did the lawyer take?
Speaker 4 (08:32):
They take a third?
Speaker 2 (08:34):
All right, so net net you got what one point
six one point five would you get, well, probably one
point three.
Speaker 4 (08:41):
Right somewhere in there, yeah, somewhere.
Speaker 1 (08:44):
And how badly were you banged up?
Speaker 4 (08:48):
Pretty bad? I had about four years of a lot
of surgeries.
Speaker 1 (08:52):
Oh I'm sorry, yeah, you know. And people I'm pretty
good now, Oh good for you.
Speaker 2 (08:57):
When people say, oh I got five million dollars, I
got ten million dollars, all of us go ooh, look
at the money. You you look at the money you got.
I don't know if one person who has ever said
it was worth it, I would do it again for
the money.
Speaker 4 (09:12):
Well, that's that's a that's an accurate as I do.
I do it did put a smile on my face.
It's very interesting that the jurors wouldn't look at me
through the whole case, and then when they came out
of the jury room, they were all looking at me
with love eyes and happy.
Speaker 1 (09:28):
Now you know, and they were following.
Speaker 2 (09:30):
And instantly those jurors were following the judges instructions to
the letter in terms of not looking at you, not reacting,
and doing exactly what they should have done. This is
handle on the long can' if I handle here? It's
Saturday morning right up until eleven o'clock, then Rich tomorrow
from eleven to two, and then my friend Neil two
(09:52):
to five with the Fork Report next week.
Speaker 1 (09:54):
The Fork Report is in.
Speaker 2 (09:56):
Laguna and Aguel, and I'm joining Neil for the annual
Thanks Grilling broadcast at the Wild Fork Store, which is
going to be providing all the great meats, what meats
they have, and Neil will be barbecuing and grilling, and
there'll be chefs there and lots of samples, I mean
not costco size samples, I mean lots of great samples
(10:19):
of food. Zelman's will be there giving out free samples.
So calendar that one that's worthwhile and we'll all get
together Thanks Grilling. I always go because it's free food,
and you bring me free food.
Speaker 1 (10:31):
I'm there.
Speaker 2 (10:31):
And so that's in Lagun and Miguel at the Wild
Fork Store. And the phone number here eight hundred five
two zero one five three four. Eight hundred five two
zero one five three four with lines open. We have
some but lines are open if you want to call
(10:52):
in eight hundred five two zero one five three four.
Speaker 1 (10:56):
Welcome Back.
Speaker 2 (10:57):
Handle on the Law, Marginal Legal ad Vice, Eric Eurerope,
Welcome YOUO Eric, Hello Eric, Eric yes, Eric, we get
off the speaker phone and then we get on the
air and say hello Bill.
Speaker 1 (11:16):
Okay, your turn.
Speaker 2 (11:19):
Okay, Okay, here's how it works. Eric, you asked the
questions of me, and I sit here and I shut up. Well,
you ask and then I try to answer. You want
to try that?
Speaker 3 (11:32):
Yes?
Speaker 1 (11:32):
Okay, good? What's your question? All right?
Speaker 6 (11:35):
So, my main income is from Social Security that directly
deposits into our checking account. There's a possibility we're going
to be sued for an unpaid debt. We're doing a
relief program. We have a small savings account and some
emergency cash. Is there any way I can legally protect
(11:58):
the Social Security that comes into the checking account, the
emergency cash.
Speaker 1 (12:04):
Yeah, okay, let me ask you question.
Speaker 2 (12:05):
Okay, this is I mean, the quick answer is no,
you owe the money, but the longer answer is yes,
as a practical matter, how much do you owe?
Speaker 5 (12:13):
Eric?
Speaker 1 (12:15):
How much do you owe? Oh?
Speaker 6 (12:17):
It's it's about eighty thousand dollars totally.
Speaker 1 (12:20):
Whoa eighty thousand dollars. That's not a small amount of money.
All right?
Speaker 2 (12:24):
Now, your income is primarily Social Security?
Speaker 6 (12:29):
Yes, how do you get How do you get.
Speaker 1 (12:31):
Eighty thousand dollars.
Speaker 2 (12:32):
How do you get eight thousand dollars in debt with
Social Security income?
Speaker 1 (12:36):
How did you obtain this debt? I'm sorry?
Speaker 7 (12:39):
Medical?
Speaker 2 (12:40):
Ah, yeah, the medical bills. Okay, got it. Yeah, medical bills.
I just I just did a story about that. Yeah,
medical bills absolutely nail people big time. I will tell
you what's going to happen. I don't think anybody's going
to sue you. If they know you're on Social Security.
They're going to give it up because there's no way
for them to collect it's not worth the hassle for
(13:03):
them to collect it. Now, you can go bankrupt on
it and that wipes it out completely. That's gonna cost
you a thousand bucks, that's gonna cost you maybe fifteen
hundred dollars. Or you can simply just say I'm destitute.
I live on Social Security. That's it.
Speaker 1 (13:18):
They're not going to go after you.
Speaker 2 (13:20):
The cleanest way of doing it just to go bankrupt, Eric,
But in order for them to collect money, your Social
Security money, and keep in mind that's pretty limited money.
How much so Security money? How much do you are well?
And I don't even care about that. How much do
you have in savings and emergency funds. Right now, what
do you have in the bank?
Speaker 6 (13:39):
Nothing like four thousand dollars.
Speaker 1 (13:41):
Yeah, they're not gonna go after you. Yeah, you're fine.
It don't even work. Just tell just tell them that,
you know, just tell mom on Social Security leave me.
Speaker 6 (13:48):
Alone, okay, all right?
Speaker 1 (13:51):
You yeah, you got it. Yeah. Yeah.
Speaker 2 (13:53):
Talking about that medical debt just kills you every single time.
And these you know, it's not a question at these
medical providers. I love you, I think you're wonderful. They
want their money. The problem is to go after four
thousand dollars and file a lawsuit and go through all
of it.
Speaker 1 (14:11):
I don't think so. And do they do they even
go to small claims court? You don't even know.
Speaker 8 (14:17):
If they even do that, right Dave, Hi, Dave, welcome?
Oh Dave, sure, yep, yep.
Speaker 5 (14:30):
You can hear me.
Speaker 1 (14:30):
Yeah, I can.
Speaker 9 (14:33):
Thank you. Uh wife had an accident.
Speaker 1 (14:36):
Oh hang on, Dave, are you on a wait before
we start? Are you on a speakerphone with any chance.
Speaker 9 (14:41):
On a truck truck in the truck? Does that work?
Speaker 5 (14:45):
Uh?
Speaker 1 (14:45):
Yeah, I just speak a little louder, it'll work.
Speaker 5 (14:47):
Ye.
Speaker 2 (14:47):
I'll let you fly because otherwise you're gonna get a ticket. Okay, uh,
all right, well moving on, I'm sorry.
Speaker 1 (14:52):
Let's start from the beginning.
Speaker 9 (14:54):
So the wife had an accident. We got the accident attorney.
He didn't respond. We got another attorney. This attorney he's
been dragging his speech. So we asked him to settle
the account for the twenty five thousand. He self dismissed
himself from the case, and then lo and behold, we
found out he has the twenty five thousand paid out
(15:15):
to his account.
Speaker 1 (15:16):
Already.
Speaker 9 (15:17):
You know where do we go from here?
Speaker 1 (15:18):
Okay?
Speaker 2 (15:19):
You call you all right, and he's withdrawn from the
case and he's still holding on the trust money, the
twenty five thousand dollars.
Speaker 1 (15:27):
All right, you call him up.
Speaker 7 (15:28):
This found out?
Speaker 1 (15:29):
Yeah, okay. How long has he been holding onto the.
Speaker 9 (15:31):
Money since June?
Speaker 5 (15:34):
Okay?
Speaker 1 (15:34):
How long? All right? Since June's four or five months?
Speaker 2 (15:38):
And he withdrew from the case when.
Speaker 9 (15:44):
Two weeks ago?
Speaker 1 (15:45):
Two weeks ago, so he's.
Speaker 2 (15:46):
Been five months, got the money and then withdrew from
the case.
Speaker 1 (15:50):
Okay.
Speaker 2 (15:50):
I would call the office and say I want to
speak to the lawyer. They probably won't talk to you
because that's what these people do. And then when you're
in those circumstances and you write them an email saying
you withdrew from the case. I understand that you have
twenty five thousand dollars paid to you. I want my
money now, and if you don't pay it, the next
thing I'm going to do is take you to the
(16:10):
state bar because that lawyer is in all kinds of
violations at this point.
Speaker 4 (16:17):
That was my assumption.
Speaker 2 (16:18):
Got it, Yep, that's absolutely correct. You are going to
be fine. Just get aggressive with that lawyer. You'll get
paid because the state bar jumps right into these situations.
Speaker 5 (16:27):
All right.
Speaker 2 (16:28):
Before we take a break, I want to talk about
hurting him by a lot of people call this show
hurt but I'm talking about physical pain, real serious chronic
which means it's there all the time, chronic pain. And
if you know someone, if you suffer from a chronic pain,
or live with someone who suffers from chronic pain, which
I do, or treat people or just no people that
(16:49):
suffer like that, let me suggest listening to the Pain
Game podcast. The Pain Game podcast is hosted by someone
who does experience chronic pains, wife actually, and she lives
at twenty four to seven.
Speaker 1 (17:03):
Let me tell you how serious chronic pain can be.
Speaker 2 (17:05):
People kill themselves over pain because they just can't take
it anymore.
Speaker 1 (17:10):
So what Lindsay does.
Speaker 2 (17:11):
She created this podcast, the Pain Game Podcast, to deal
with it. And what she did she helps other people,
it helps herself in the process and has discovered that
this show that she has is about giving pain purpose.
I know that sounds weird, but believe me, this works.
That's the Pain Game Podcast. So wherever you listen to podcasts,
(17:33):
if pain or trauma is anywhere in your life, listen
to the Pain Game Podcast. You can follow on social
at the Pain Game Podcast, or just listen to the
Pain Game Podcast.
Speaker 1 (17:46):
This is Handle on the Law.
Speaker 7 (17:49):
You're listening to Bill Handle on demand from KFI AM
six forty.
Speaker 2 (17:55):
KFI AM six forty Bill Handle here on a World Saturday,
last day of the World Series Game seven tonight.
Speaker 1 (18:05):
And the phone numbers.
Speaker 2 (18:06):
We do have lines open right now for legal advice
eight hundred five two zero one five three four. That's
eight hundred five two zero one five three four. And
we're pretty good, pretty good shape phone call wise, because
I go through a lot of these phone calls really quickly.
Speaker 1 (18:24):
Some might take my time out.
Speaker 2 (18:25):
If I can make fun of you if I can
humiliate you in any way, of course, I go walls
to the wall, and that one also just kind of
fun hearing the stories, because quite often it's not just
the legal advice which is terrible that I give. I mean,
that'll be the first one to admit my advice is
got awful. It's a matter of fact the approaches malpractice,
but it's also the backstory of how people got there,
(18:47):
and that usually and most of the times has a
lot to do with where do I sit now? Of course,
so the number eight hundred five two zero one five
three four. That's eight hundred five two zero one five
to three four. Welcome back, Handle on the Law, marginal
legal advice. Hello Barbara, welcome to Handle on the Law.
Speaker 10 (19:09):
Yes, ma'am, Hi, thanks for taking my call. And I
hope they're humorous enough. Not me, but what the Homeowners
Association has been doing that you can get some laugh. Am.
I homeowner of a condo. We use it as a
rental and we had a flood from common piping, documented it,
submitted it and they've been a nightmare since. Kind of
(19:31):
gone back and forth as offers, but at the last
agenda they decided to publish and slander me. So they
wrote my name, my address, the amount, which they knew
was erroneous because they had the offer in hand, and
then they wrote should all owners pay for a complete
kitchen remodel for a rental unit? Then they wrote do
(19:53):
all owners get part of the additional five hundred dollars
a month rent a landlord can.
Speaker 1 (19:57):
Charge for a new kitchen?
Speaker 10 (19:59):
So that went out to general membership. We wrote and
said this was factually incorrect and appropriate to speculate and
make these accusations. They email the new agenda, but kept
this other one up to date to the state on
their website. We verbally at the homeowner's meeting said, do
(20:20):
you actually you know this is not actually correct? This
is clearly designed to bias and take it down, and
it's still up. So beside my suit. Beside my suit
which I have extremely well documented. They have a history
of this kind of behavior, so this is not the
first time they're doing it. They use words and agendas
(20:42):
like greedy homeowners. They used words like fear mongering or
people trying to exploit the association. The main issue is
they have a kind of Trumpian president who starts off
the meetings with bragging about the financial status of the
HUA and the other four for whatever reasons, Bold, I
(21:03):
have no clue.
Speaker 1 (21:05):
What's your question? What's question?
Speaker 4 (21:09):
Yeah?
Speaker 1 (21:10):
Sort of, it not really.
Speaker 2 (21:12):
I mean, you know, technically, technically, technically it could be.
But based on the fact that this happens on a
regular basis, do any and other homeowners are tagged the
same way? Does anybody pay attention to those allegations? I mean,
you get anybody that comes to you and goes, oh
my god, you're a horrible person. Look what you did, Barbara,
(21:33):
How can you do this to the homeowner association?
Speaker 1 (21:35):
Do you have any of that?
Speaker 10 (21:38):
I haven't. But the other one who's been tagged like this.
Speaker 2 (21:40):
Yeah, well then that's what. It doesn't matter what you're
talking about. Your libel. It's not someone else's libel. And
the answer is probably. But nobody cares. That's the problem.
Nobody cares, Barbara. Your reputation hasn't been influenced. Everybody just
thinks you're okay. They know this guy is a mini hitler.
They know that, and they've all received letters. That's just
(22:03):
who he is. Would a libel suit fly maybe kind
of sort of, but it's so remote, just just go
forward with your lawsuit, ignore the crap that's being thrown out,
and actually enjoy it. As a matter of fact, what
you want to do is do a football pool and
(22:24):
ask the other homeowners, Hey, let's find out who he's
going to attack next time. How many minutes is he
going to brag about how brilliant he is? And then
more importantly, you run for office, and equally importantly you
don't elect him because the only way he's.
Speaker 1 (22:39):
On the board.
Speaker 2 (22:41):
Yeah, and how many people, well, how big is the
condo association?
Speaker 1 (22:43):
How many units were talking about?
Speaker 10 (22:46):
It's three hundred and sixty. And as soon as they
got the film with you, I'm headed over to a
meeting work.
Speaker 1 (22:51):
Go ahead, stand up, all right?
Speaker 2 (22:53):
Good you stand up, and you say And what I
would do is hand out copies of those letters to
everybody and say, hey, this is the kind of guy
who is running our association.
Speaker 1 (23:04):
And then he's gonna call that. He's gonna call.
Speaker 2 (23:07):
Me and and ask if Barbara, you are liably him.
Speaker 1 (23:13):
Just get get him off. Yeah, get him off. You're
gonna be fine. You're gonna be just fine.
Speaker 2 (23:18):
I would not worry about it what whatsoever.
Speaker 1 (23:24):
Hey, Johnny, welcome to handle on the law.
Speaker 5 (23:28):
Yeah, okay, with Kaiser, I want to move over to Ppo.
Speaker 1 (23:31):
Okay, I want to.
Speaker 5 (23:33):
Know from you the restrictions. Won't you make that you
go to Ppo? Do you have to then stay with
them for that one calendar year.
Speaker 1 (23:40):
You're talking about Kaiser or with a new Ppo?
Speaker 5 (23:44):
What's a new Ppo?
Speaker 1 (23:45):
That depends on what the PPO wants you to do.
It's that simple. You look at the policy and you.
Speaker 2 (23:50):
Look at the new Ppo and you go, okay, I
want to sign up with you. I want to dump
Kaiser And now what, uh does are there any restrictions?
Is there a period of time before he kicks in?
I can't imagined a one year rule that that didn't
make any sense at all, other than maybe if you
shige in with Ppo and they say it's going to
be a year before he kicks in, which I've never
(24:11):
heard of insurance company doing that.
Speaker 5 (24:15):
But Kaiser, but Kaiser and Ppo? Uh, you know, I'm
going to make that I'm gonna cross over. And so
that's my point. I don't want to just stay for
one month. I want to be there for years.
Speaker 2 (24:29):
Yeah, that's what you want to do. So you just
switched from the from Kaiser Ppo to the new PPO.
Speaker 1 (24:33):
That's all.
Speaker 2 (24:34):
You're changing horses mid stream, which you're allowed to do.
Speaker 5 (24:39):
Okay, but right now there's a sign up time and
it's like October first to maybe the end of the year,
and then that's it.
Speaker 1 (24:46):
Are you talking about medic Are you talking about Medicare?
Speaker 5 (24:50):
Right, I'm on see, I got it?
Speaker 1 (24:52):
Okay, Then you.
Speaker 2 (24:53):
Can only write so at this point you can drop Kaiser.
But this is cover it. This is Medicare cover. This
has nothing to do with which organization you are with.
Medicare pays for whatever plan you are on, and you
can switch. And what they've done is say this is
the period of time in which you're allowed to switch,
(25:14):
and we're allowing you to switch with no hassle. There's
no issue the other time. This it's a Medicare issue.
It's not a Kaiser and a Ppo issue. It's strictly
a Medicare issue.
Speaker 5 (25:25):
Yeah, you're okay, you're clearing that up, correct.
Speaker 2 (25:27):
Yeah, And you can call you know, they have all
these advertisements you see on TV and you're listening to
radio and see the print and the billboards, et cetera
that say, I'm if you have Medicare we can help
you out and find out what plans are there. The
reason they do that, and they by the way, they
do help I mean, don't misunderstand.
Speaker 1 (25:46):
These are not scams at all.
Speaker 2 (25:47):
What they do is they want to grab you and
put themselves at administrators under the plan.
Speaker 1 (25:54):
They're still legitimate plan. You're still a Medicare.
Speaker 2 (25:56):
But what they do is it's Medicare changes and it does.
Speaker 1 (26:01):
Benefits change year to year.
Speaker 2 (26:02):
Sometimes they stay the same, sometimes they are different, and
depend it even depends on your zip code.
Speaker 1 (26:08):
That's how complicated it is.
Speaker 2 (26:09):
Medicare is just a bitch to deal with and what
they'll do, Yeah, it is, But go to one of
these places and it doesn't affect you at all. What
it does is simply affect them as administrators of the plan.
Speaker 1 (26:24):
You don't worry about it.
Speaker 2 (26:25):
Call one of these places and they'll tell you which
one and they'll help you with all of it. You're
going to be just fine, Okay, all right, you got it. Yeah,
And I wanted to clear that up Medicare. I've been
on Medicare now and it's weird stuff.
Speaker 1 (26:39):
It really is.
Speaker 5 (26:40):
Now.
Speaker 2 (26:40):
Interestingly enough, I've been with Kaiser, as you know, my
entire life. They try to kill me a few times,
but they didn't quite make it, although I've had friends
that were successfully killed by Kaiser. And Kaiser is also
administrator of its own plan. In other words, not only
do they provide the coverage, but they also administer because
under medical Care, there is an administrator for Medicare, and
(27:03):
so everybody wants to jump on that. That's why you
see these ads like crazy, and you only see them
during this period October one till the first of the year.
That's when the switch can take place according to Medicare.
This is handle on the law.
Speaker 1 (27:22):
Yah bye, good morning, everybody. I'm ETSI Sert. We'll scramble
up here.
Speaker 2 (27:29):
Good morning, everybody, handle here on a Saturday morning. World
Series Game seven tonight, and we'll see if the Dodgers
or the Blue Jays take this away. Dodgers hoping to
repeat last year. And phone numbers. We do have a
couple of lines open, and boy, we're going through them
pretty quickly today, which is always fine. Eight hundred five
two zero one five three four eight hundred five two
(27:51):
zero one five three four and you will get right in.
Speaker 1 (27:56):
All what else?
Speaker 2 (27:58):
Uh, I'll tell you about that later the event. Thanks
grilling event we're doing next Saturday at the Inaguin and
Miguel at the Wild Fork Store. But I'll do that
a lot later. By the way, good cough there say
I'm in the background.
Speaker 1 (28:14):
Love it.
Speaker 2 (28:15):
Eight hundred and five two zero one five three four
Welcome back. Handle on a law marginal legal advice.
Speaker 1 (28:23):
Dennis. Actually have a good question, Dennis, you're.
Speaker 3 (28:26):
Up, hey, Bill. I'll start with the question, do I
have any legal avenues to compel a county property tax
assessor to reassess my property after their assessment post purchase?
And then the explanation is the property was originally assessed
around two hundred thousand dollars with the prior owner. I
(28:49):
purchased it. They immediately came out and assessed it for
twenty thousand dollars more than the purchase price. I provided
compts that show that I actually overpaid for it. It
was going to be a marijuana grow, but that industry
tank in any event, it's been now two years. They
say they have a more.
Speaker 4 (29:07):
Than a three year backlog.
Speaker 3 (29:09):
My comps show this thing to be worth or taxed,
you know, basically in the two hundred and fifty thousand okay,
yeah you have.
Speaker 2 (29:20):
You have a different Basically, they owe you money. You're
overpaying on your property tax.
Speaker 1 (29:25):
So I have that right.
Speaker 3 (29:26):
Sure, they're assessing it at three hundred and seventy five
thousand dollars and the comps and the comp showed it
like two fifty.
Speaker 2 (29:33):
Okay, so I fair enough. So what you're doing is
you're overpaying. And what you've done is you are now
applying for a reassessment, which you are allowed to do
under law, and they have to reassess it. And usually
people when when comps show the property way undervalued based
on what they're saying, usually you win because that is
(29:54):
the realistic assessment. Now, the three year delay, there isn't
much you can do about that. That's their backlog. It's
a question of budget, it's a question of how many people.
Speaker 1 (30:03):
I mean.
Speaker 2 (30:03):
Keep in mind that, for example, there's a fire that
takes place, the Palisates fire, and on the books, the
the tax is still the same. That property is worth
two million dollars, is still assessed to two million dollars
even though it's just a pile of firewood. And so
(30:23):
what happens is the application is made to reassess the
property and they're gonna win. And it sounds like you're
gonna win. And the good news is it's going to
be retroactive from the time you applied.
Speaker 3 (30:37):
Retroactive.
Speaker 2 (30:39):
Yeah, I think so. I think they go back. I
think from the time you apply, they go retroactive.
Speaker 5 (30:43):
Yeah.
Speaker 2 (30:44):
I do not believe because the backlog. I don't believe.
The backlog hurts you. And so what's going to happen
at the end of it all? You will get your
money back or you can roll it over to the
next tax bill. And I don't know if that's your
choice or not. I think it is, and you should
be fine. You could always appeal it too. If you
don't agree with what they say, you appeal it. And
by the way, most homeowners win those appeals and win
(31:07):
those assessments because the values right there here are the
comps there, they are in front of your face, and
you can't argue of how long it takes because well,
can you imagine. Let me, I don't know what county
you are in. What county are you in?
Speaker 3 (31:21):
Well, this is an investment property in Humboldt County.
Speaker 2 (31:23):
Up most Okay, all right, So it's so you have
the assessor's office in Humboldt County County, and there may
be one guy and his Humboldt County, which is the
marijuana capital of the world.
Speaker 1 (31:35):
And so the one assessor is sitting back and he's.
Speaker 2 (31:38):
At the local in and out burger if they have
him up there smoking a joint and having lunch for
five hours.
Speaker 1 (31:46):
So you're going to be fine. You're going to be
just fine.
Speaker 2 (31:50):
And no, you can't do anything about the assessor's office
taking as long as it should. It is what it
is in terms of the revenue and in terms of
their resources. So not to worry, and keep on paying
your taxes. By the way, do not stop paying taxes,
because what you're actually doing paying in a savings account
non interest, but you're paying into a savings account. Oh Fred, Hello, Fred, welcome.
Speaker 7 (32:17):
Yeah, Bill, I've got a property line dispute. I had
the property surveyed by licensed surveyor, and it shows that
the defense that's there is in his favor when it's
actually my fits. So can I go on the property
and put the fence back?
Speaker 3 (32:38):
Well?
Speaker 2 (32:39):
All right, let me okay, let me ask okay, let
me ask you a question. Okay, how far into or
how much property do you lose up to the fence line?
Speaker 7 (32:49):
Three feet?
Speaker 1 (32:50):
He grabbed three feet? And how big is that piece
of property?
Speaker 7 (32:55):
Three acres?
Speaker 1 (32:57):
Okay?
Speaker 2 (32:58):
Well, I mean I'm gonna ask a practical question and
then we're going to talk about the legal aspects. How
important is that three feet?
Speaker 7 (33:10):
Not really all that important?
Speaker 1 (33:11):
Okay?
Speaker 2 (33:12):
Is there any value difference in the property and the
value of the property essentially?
Speaker 5 (33:21):
No right?
Speaker 1 (33:22):
Okay, so your damages are virtually zero.
Speaker 2 (33:24):
Now legally, do you have the right to build on
your property?
Speaker 1 (33:29):
Hell? Yes?
Speaker 2 (33:31):
Do you have a right to tell the owner get
the proper get get your fence off the property? Absolutely?
What kind of fence is it? Is it a block fence?
Is it just a wooden fence? What does he put up?
Speaker 3 (33:43):
Chain link?
Speaker 1 (33:45):
Chain link?
Speaker 5 (33:46):
All right?
Speaker 1 (33:46):
Do you like the fence?
Speaker 7 (33:50):
It's in bad shape?
Speaker 2 (33:51):
Okay, Well, then what I would do is let him
know you're on my property. Your fence is on my property.
Here's the survey, and I'd like you to move the fence.
And that means you get to put up your fence
or there'll be no fence. There's no law that says
you have to have a fence. So if he says
to go pound sand. He has to take it down,
(34:11):
and now there's no fence. And does do you have
any dogs or does he have any dogs that eat people?
Speaker 3 (34:19):
I do have three?
Speaker 1 (34:21):
Yeah dogs. Yeah, I dont know what I would do.
I'll tell you what. I will tell you what I
would do.
Speaker 2 (34:28):
As a practical measure, Just put ap a fence on
your property and leave it alone. Put a a fence
on your fence line and leave it alone. Let him know,
the property owner, let him know, Hey, this is on
my property.
Speaker 1 (34:42):
Take down your fence. Make a demand.
Speaker 2 (34:43):
He can say yes or no, and you can take
it to court if you want.
Speaker 1 (34:48):
I don't know if I would take it to court.
Speaker 2 (34:51):
But you have to have a fence that in fact
holds your dogs in, because if you don't have a
fence and your dogs go out and start eating folks,
like eating little children, you have bought a world, a
world of hurt.
Speaker 1 (35:08):
Okay, yeah, what kind of dogs you have?
Speaker 7 (35:10):
Question quickly a German shepherd?
Speaker 2 (35:15):
Oh god, yes, And you don't have insurance.
Speaker 1 (35:18):
I'll tell you right now.
Speaker 2 (35:19):
Your homeowner's insurance doesn't cover your Doberman. Doesn't cover the
German shepherd.
Speaker 1 (35:25):
Got it all right?
Speaker 3 (35:27):
You have one more questions, questions quickly.
Speaker 7 (35:29):
Yes, I have a tree, a big tree that's on
my side of the property. However, one of the branches,
which is very large, is over on his side of
the property. If it breaks and falls down, who has
to clean it up?
Speaker 1 (35:45):
You do cut the tree.
Speaker 2 (35:48):
You ain't the branch his property, doesn't mean but it's
your tree that's overrunning his property. You are responsible for
your tree. Cut that branch down. Just cut it down
at the property line, because then he calls.
Speaker 7 (36:02):
Me, it'll go immediately down on his property.
Speaker 2 (36:06):
Well, then you say, here's what you do. You say
to him, this is what I'm going to do. I
am going to cut this branch and my expense and
I want access to your home.
Speaker 1 (36:16):
If he says no, you make sure.
Speaker 2 (36:18):
That that is all memorialized, that's all put in writing.
And when your branch does come down and do whatever
property damage to his place, you show hey, I offered
and he said no, I am not liable. And if
he has any brains, what he will do is allow
you to cut that branch down. But you are responsible
(36:39):
unless he says no. Unless you offer and he says no,
and then there'll be a suit anyway. But This is
why God invented insurance to begin with. So everybody's going
to be fine, or they're going to get their assets
to food off, or the dog's going to eat a toddler,
and it's going to be a lot of fun.
Speaker 4 (36:56):
All right.
Speaker 1 (36:57):
Just you'll be talking about your breath for a moment.
Speaker 2 (37:01):
And if you don't have bad breath, you don't want
to listen to this commercial because I know you never
wake up. First of all, you never go to sleep
and wake up with morning breath because you're you. And
I'm sure you don't drink coffee and have coffee breath.
And I'm sure you never eat garlic or onions or
anything that causes bad breath because you're unique. Well you're not.
The bottom line is, we do eat garlic and onions.
(37:22):
We do wake up and have morning breath. We do
have an issue.
Speaker 1 (37:27):
It's that simple because of the foods we eat.
Speaker 2 (37:29):
So let me suggest dealing with Zelmon's Zelman's minty mouth.
I didn't say minty mouth. Mints, well, they are mint
to an extent. These little capsules, these little capsules of
parsley seed oil that is covered with a nice strong mint.
Speaker 1 (37:45):
So you pop two or three in your mouth.
Speaker 2 (37:47):
You suck on the mint and when the mint part
is finished, either bite into the capsule or swallow them
and they get to work in your stomach. And a
lot of people don't understand that bad breath can come
from your stomach too. The food goes down and the
acids hit it. Guess what it does its thing, And
what zelman'sminte Mouth does is take care of both sides
of that. No mint in the world does that fresh,
(38:09):
clean breath, uh, confident breath for hours and hours. You
won't find Zelman's at Trader Joe's or at Walmart or
at Costco. Only at Zelmans dot com, Z E L
M I N S. Zelmans dot com, Zelmans dot com.
Speaker 1 (38:26):
This is Handle on the Law.
Speaker 7 (38:30):
You're listening to Bill Handle on demand from kf I
A M six forty
You're listenings.
Speaker 2 (00:01):
I am six forty the Bill Handles show on demand
on the iHeartRadio f.
Speaker 1 (00:08):
STAF.
Speaker 2 (00:09):
I am six forty Bill Handle here Saturday morning, two
hours more to go. It's a Saturday of the World
Series Game seven tonight between the Blue Jays and the Dodgers.
That should be a pretty fun game. Actually, the game
was pretty good last night. The Dodgers didn't look like
a high school baseball team like they did previous couple
(00:30):
of nights.
Speaker 1 (00:31):
All right.
Speaker 2 (00:31):
Also, I want to remind you next Saturday, from two
to five, that's always the Fork Report with my friend Neil,
who's with me every morning on the morning show. He
is broadcasting on a remote and that's from the Wild
Fork Store in Laguna Miguel and that will be from
two to five o'clock. I am joining him and inviting
(00:54):
you to join us because it's the annual Thanks grilling
where we have chefs from all over cooking up and
grilling and barbecuing, and the food is from Wild Fork,
which is tremendous food. It's unbelievable. And Zelman's will be
there handing out samples. It's gonna be a lot of
fun there. It's once a year and it's a huge
(01:14):
event that we do. And so at Laguna Miguel the
Wild Fork Store two to five pm.
Speaker 1 (01:20):
Love to see you. There.
Speaker 2 (01:21):
Also the phone numbers here, Let's get to that because
that's pretty important on this show. Eight hundred five two
zero one five three four. The number is eight hundred
five two zero one nine three four. That's the number
to call. We have lines that are open because of
course it's the top of the hour. Eight hundred five
two zero one five three four. This is Handle on
(01:45):
the law marginal legal advice, where I bill Handle tell
you in certain name here you have absolutely no case.
Now I don't know if you well, of course you do.
Medical debt in this country is completely overwhelming. If you
don't have insurance, actually good insurance, and you have any
kind of a medical procedure, medical or even minor, you're
(02:09):
gonna go broke.
Speaker 1 (02:10):
I mean, just that simple.
Speaker 2 (02:12):
The cost of medicine in this country is astronomical. We
have a broken system. We don't have a national health plan,
a single payer plan like every other country, the industrialized
country the world has.
Speaker 1 (02:23):
But that's the politics of it.
Speaker 2 (02:25):
Let's talk about the practicality of this and that is
if you don't have insurance or good insurance, and you're
not dirt poor, then a procedure is done and you're
going to owe a whole lot of money, and I
mean a whole chunk of money, which most people can't afford.
I had open heart surgery, for example, a few years ago,
(02:47):
and I have a great HMO. I'm with Kaiser, and
I have this platinum top of the line coverage. So
even with that, I paid three thousand dollars out of pocket.
All right, I mean three thousand dollars is no fun,
but for or an open heart surgery. I looked at
the bill, the internal bill. I got hold of one
hundred and twenty five thousand dollars and I had to
(03:07):
pay three thousand for various tests and procedures and labs,
et cetera, and staying overnight in the hospital.
Speaker 1 (03:13):
I spent a week.
Speaker 2 (03:14):
There and it was I mean, can you imagine locking
out the door and owing one hundred and twenty five
thousand dollars. It's completely crazy. So here's what happens. Most
of the time people go bankrupt. For a huge number
of people that go bankrupt, and of course their credit
is totally ruined.
Speaker 1 (03:34):
Now there are.
Speaker 2 (03:37):
States that say that can't even be put on your
credit report. You don't have to go bankrupt, you know
the money, and if you don't have the money, you
go ahead and do what you want to do. But
medical debt cannot be put on your on your credit report.
Speaker 1 (03:53):
That sounds reasonable, That is reasonable.
Speaker 2 (03:56):
New York probably is the most liberal state or the
most pro consumer state. California also has some laws pertaining
to what can be put on your credit report.
Speaker 1 (04:08):
Well, the Trump administration is moving to get rid of
all of that.
Speaker 2 (04:12):
They're moving to overrule any state laws that protect consumers
from the credit reports from medical debt.
Speaker 1 (04:20):
And this is a big one.
Speaker 2 (04:21):
This is the Trump administration saying that you know what
it's going to be reported.
Speaker 1 (04:27):
You owe, you owe, and that's the way it goes.
Speaker 2 (04:30):
You imagine the uproar on that one, because the majority
of bankruptcies out there, personal bankruptcies, are because of medical debt.
Speaker 1 (04:38):
And if there is no medical.
Speaker 2 (04:39):
Debt, if we had single payer insurance, now we're back
to the politics. If we had a plan where out
of taxes, medical bills are paid, which happens in every
industrialized country in the world short of US, then none
of this would even occur. But the bottom line is
the state's protections against reports medical debt will be gone.
(05:03):
That's what they're doing. Trump administration is now moving to
the Consumer Financial Protection Bureau to draft laws relating exactly
to that, don't get hurt, don't go to the hospital,
don't have tests. You ever been in a hospital or
a clinic. It's nine dollars for two aspirin. I mean
they go crazy. All right, some phone calls. Let's do it.
Speaker 1 (05:26):
Hi, Timmy, welcome, you're up.
Speaker 3 (05:30):
Yeah.
Speaker 4 (05:30):
I had a one a two million dollar personal injury case.
I have two brief questions about it. Regarding malpractice. My
attorneys filed a nine nine eight for a million dollars,
and we obviously surpassed a million dollar nine ninety eight.
Speaker 3 (05:47):
Uh.
Speaker 4 (05:48):
And then later subsequently I found out that they did
not disclose to me that they filed a two point
five million dollar nine nine eight. I was never notified
of that. I want to know if that.
Speaker 1 (05:59):
Yeah, yeah, you probably, Yeah, that sounds like malpractice.
Speaker 2 (06:02):
By the way, a nine nine eight motion for people
that don't know, is that when a settlement, when you're
talking settlement and the defendant says Uh, here is what
I'm offering to pay.
Speaker 1 (06:13):
Here is my offer and.
Speaker 2 (06:16):
Uh the uh the the plaintiff says, nope, not taking it.
If the money goes underneath that offer, then the defendant
pays all attorneys fees. Uh, and over that. Uh, you're
free and clear for my understanding of nine nine eight.
Speaker 5 (06:32):
Uh.
Speaker 1 (06:32):
If yeah, if then so, yes there was malpractice.
Speaker 2 (06:36):
You have you should have been one hundred percent prize
of that because that took away Any settlement agreement has
to take a nine nine and eight into into consideration.
Just have to, because you're talking about attorney's fees. Uh.
In fact being involved. That's a big, big money, especially
in a two million dollar case.
Speaker 1 (06:53):
So yes, malpractice.
Speaker 4 (06:54):
Now next questioning last, Okay, the second issue with them
is they had my medical treating doctors come in and
explain the bills and everything, and then when it was
time to I guess, justify the bills or render the
bills as reasonable industry standard reasonable, they used one of
(07:18):
my treating doctors to do that, and the judge disallowed
the medical bills and they it costs about five hundred
grand in the settlement. And I'm wondering if that also is.
Speaker 1 (07:29):
That yeah, okay a couple of things. I don't know why.
Speaker 2 (07:34):
The judge disallowed that because, well maybe because it wasn't
an expert witness on the validity.
Speaker 1 (07:40):
Of those bills and reason that's what it was.
Speaker 2 (07:42):
Okay, got it. So you bring in your own doctor
and you and you're trying. You're supposed to bring in
an expert to deal with the validity of these bills.
Speaker 1 (07:51):
You didn't bring in an expert. You brought in your
own doctor.
Speaker 2 (07:54):
And the judge said, not going to hear that, don't
want it, and so disallowed it.
Speaker 1 (07:59):
And it was five hundred thousand dollars. That's another issue.
Speaker 2 (08:03):
Of medical malpractice for your attorney to bring in your
own doctor to justify the reasonableness of a medical bill,
where you're supposed to bring in an expert witness outside
of the case. Yeah, the lawyer blew it. Yeah, real simple.
So you have malpractice all over the place. Two million bucks?
Speaker 5 (08:22):
How much did you get?
Speaker 1 (08:23):
How much did you.
Speaker 4 (08:24):
Get, by the way, got two million?
Speaker 1 (08:27):
Okay you got physically you got two million dollars out
of that? How much did the lawyer take?
Speaker 4 (08:32):
They take a third?
Speaker 2 (08:34):
All right, so net net you got what one point
six one point five would you get, well, probably one
point three.
Speaker 4 (08:41):
Right somewhere in there, yeah, somewhere.
Speaker 1 (08:44):
And how badly were you banged up?
Speaker 4 (08:48):
Pretty bad? I had about four years of a lot
of surgeries.
Speaker 1 (08:52):
Oh I'm sorry, yeah, you know. And people I'm pretty
good now, Oh good for you.
Speaker 2 (08:57):
When people say, oh I got five million dollars, I
got ten million dollars, all of us go ooh, look
at the money. You you look at the money you got.
I don't know if one person who has ever said
it was worth it, I would do it again for
the money.
Speaker 4 (09:12):
Well, that's that's a that's an accurate as I do.
I do it did put a smile on my face.
It's very interesting that the jurors wouldn't look at me
through the whole case, and then when they came out
of the jury room, they were all looking at me
with love eyes and happy.
Speaker 1 (09:28):
Now you know, and they were following.
Speaker 2 (09:30):
And instantly those jurors were following the judges instructions to
the letter in terms of not looking at you, not reacting,
and doing exactly what they should have done. This is
handle on the long can' if I handle here? It's
Saturday morning right up until eleven o'clock, then Rich tomorrow
from eleven to two, and then my friend Neil two
(09:52):
to five with the Fork Report next week.
Speaker 1 (09:54):
The Fork Report is in.
Speaker 2 (09:56):
Laguna and Aguel, and I'm joining Neil for the annual
Thanks Grilling broadcast at the Wild Fork Store, which is
going to be providing all the great meats, what meats
they have, and Neil will be barbecuing and grilling, and
there'll be chefs there and lots of samples, I mean
not costco size samples, I mean lots of great samples
(10:19):
of food. Zelman's will be there giving out free samples.
So calendar that one that's worthwhile and we'll all get
together Thanks Grilling. I always go because it's free food,
and you bring me free food.
Speaker 1 (10:31):
I'm there.
Speaker 2 (10:31):
And so that's in Lagun and Miguel at the Wild
Fork Store. And the phone number here eight hundred five
two zero one five three four. Eight hundred five two
zero one five three four with lines open. We have
some but lines are open if you want to call
(10:52):
in eight hundred five two zero one five three four.
Speaker 1 (10:56):
Welcome Back.
Speaker 2 (10:57):
Handle on the Law, Marginal Legal ad Vice, Eric Eurerope,
Welcome YOUO Eric, Hello Eric, Eric yes, Eric, we get
off the speaker phone and then we get on the
air and say hello Bill.
Speaker 1 (11:16):
Okay, your turn.
Speaker 2 (11:19):
Okay, Okay, here's how it works. Eric, you asked the
questions of me, and I sit here and I shut up. Well,
you ask and then I try to answer. You want
to try that?
Speaker 3 (11:32):
Yes?
Speaker 1 (11:32):
Okay, good? What's your question? All right?
Speaker 6 (11:35):
So, my main income is from Social Security that directly
deposits into our checking account. There's a possibility we're going
to be sued for an unpaid debt. We're doing a
relief program. We have a small savings account and some
emergency cash. Is there any way I can legally protect
(11:58):
the Social Security that comes into the checking account, the
emergency cash.
Speaker 1 (12:04):
Yeah, okay, let me ask you question.
Speaker 2 (12:05):
Okay, this is I mean, the quick answer is no,
you owe the money, but the longer answer is yes,
as a practical matter, how much do you owe?
Speaker 5 (12:13):
Eric?
Speaker 1 (12:15):
How much do you owe? Oh?
Speaker 6 (12:17):
It's it's about eighty thousand dollars totally.
Speaker 1 (12:20):
Whoa eighty thousand dollars. That's not a small amount of money.
All right?
Speaker 2 (12:24):
Now, your income is primarily Social Security?
Speaker 6 (12:29):
Yes, how do you get How do you get.
Speaker 1 (12:31):
Eighty thousand dollars.
Speaker 2 (12:32):
How do you get eight thousand dollars in debt with
Social Security income?
Speaker 1 (12:36):
How did you obtain this debt? I'm sorry?
Speaker 7 (12:39):
Medical?
Speaker 2 (12:40):
Ah, yeah, the medical bills. Okay, got it. Yeah, medical bills.
I just I just did a story about that. Yeah,
medical bills absolutely nail people big time. I will tell
you what's going to happen. I don't think anybody's going
to sue you. If they know you're on Social Security.
They're going to give it up because there's no way
for them to collect it's not worth the hassle for
(13:03):
them to collect it. Now, you can go bankrupt on
it and that wipes it out completely. That's gonna cost
you a thousand bucks, that's gonna cost you maybe fifteen
hundred dollars. Or you can simply just say I'm destitute.
I live on Social Security. That's it.
Speaker 1 (13:18):
They're not going to go after you.
Speaker 2 (13:20):
The cleanest way of doing it just to go bankrupt, Eric,
But in order for them to collect money, your Social
Security money, and keep in mind that's pretty limited money.
How much so Security money? How much do you are well?
And I don't even care about that. How much do
you have in savings and emergency funds. Right now, what
do you have in the bank?
Speaker 6 (13:39):
Nothing like four thousand dollars.
Speaker 1 (13:41):
Yeah, they're not gonna go after you. Yeah, you're fine.
It don't even work. Just tell just tell them that,
you know, just tell mom on Social Security leave me.
Speaker 6 (13:48):
Alone, okay, all right?
Speaker 1 (13:51):
You yeah, you got it. Yeah. Yeah.
Speaker 2 (13:53):
Talking about that medical debt just kills you every single time.
And these you know, it's not a question at these
medical providers. I love you, I think you're wonderful. They
want their money. The problem is to go after four
thousand dollars and file a lawsuit and go through all
of it.
Speaker 1 (14:11):
I don't think so. And do they do they even
go to small claims court? You don't even know.
Speaker 8 (14:17):
If they even do that, right Dave, Hi, Dave, welcome?
Oh Dave, sure, yep, yep.
Speaker 5 (14:30):
You can hear me.
Speaker 1 (14:30):
Yeah, I can.
Speaker 9 (14:33):
Thank you. Uh wife had an accident.
Speaker 1 (14:36):
Oh hang on, Dave, are you on a wait before
we start? Are you on a speakerphone with any chance.
Speaker 9 (14:41):
On a truck truck in the truck? Does that work?
Speaker 5 (14:45):
Uh?
Speaker 1 (14:45):
Yeah, I just speak a little louder, it'll work.
Speaker 5 (14:47):
Ye.
Speaker 2 (14:47):
I'll let you fly because otherwise you're gonna get a ticket. Okay, uh,
all right, well moving on, I'm sorry.
Speaker 1 (14:52):
Let's start from the beginning.
Speaker 9 (14:54):
So the wife had an accident. We got the accident attorney.
He didn't respond. We got another attorney. This attorney he's
been dragging his speech. So we asked him to settle
the account for the twenty five thousand. He self dismissed
himself from the case, and then lo and behold, we
found out he has the twenty five thousand paid out
(15:15):
to his account.
Speaker 1 (15:16):
Already.
Speaker 9 (15:17):
You know where do we go from here?
Speaker 1 (15:18):
Okay?
Speaker 2 (15:19):
You call you all right, and he's withdrawn from the
case and he's still holding on the trust money, the
twenty five thousand dollars.
Speaker 1 (15:27):
All right, you call him up.
Speaker 7 (15:28):
This found out?
Speaker 1 (15:29):
Yeah, okay. How long has he been holding onto the.
Speaker 9 (15:31):
Money since June?
Speaker 5 (15:34):
Okay?
Speaker 1 (15:34):
How long? All right? Since June's four or five months?
Speaker 2 (15:38):
And he withdrew from the case when.
Speaker 9 (15:44):
Two weeks ago?
Speaker 1 (15:45):
Two weeks ago, so he's.
Speaker 2 (15:46):
Been five months, got the money and then withdrew from
the case.
Speaker 1 (15:50):
Okay.
Speaker 2 (15:50):
I would call the office and say I want to
speak to the lawyer. They probably won't talk to you
because that's what these people do. And then when you're
in those circumstances and you write them an email saying
you withdrew from the case. I understand that you have
twenty five thousand dollars paid to you. I want my
money now, and if you don't pay it, the next
thing I'm going to do is take you to the
(16:10):
state bar because that lawyer is in all kinds of
violations at this point.
Speaker 4 (16:17):
That was my assumption.
Speaker 2 (16:18):
Got it, Yep, that's absolutely correct. You are going to
be fine. Just get aggressive with that lawyer. You'll get
paid because the state bar jumps right into these situations.
Speaker 5 (16:27):
All right.
Speaker 2 (16:28):
Before we take a break, I want to talk about
hurting him by a lot of people call this show
hurt but I'm talking about physical pain, real serious chronic
which means it's there all the time, chronic pain. And
if you know someone, if you suffer from a chronic pain,
or live with someone who suffers from chronic pain, which
I do, or treat people or just no people that
(16:49):
suffer like that, let me suggest listening to the Pain
Game podcast. The Pain Game podcast is hosted by someone
who does experience chronic pains, wife actually, and she lives
at twenty four to seven.
Speaker 1 (17:03):
Let me tell you how serious chronic pain can be.
Speaker 2 (17:05):
People kill themselves over pain because they just can't take
it anymore.
Speaker 1 (17:10):
So what Lindsay does.
Speaker 2 (17:11):
She created this podcast, the Pain Game Podcast, to deal
with it. And what she did she helps other people,
it helps herself in the process and has discovered that
this show that she has is about giving pain purpose.
I know that sounds weird, but believe me, this works.
That's the Pain Game Podcast. So wherever you listen to podcasts,
(17:33):
if pain or trauma is anywhere in your life, listen
to the Pain Game Podcast. You can follow on social
at the Pain Game Podcast, or just listen to the
Pain Game Podcast.
Speaker 1 (17:46):
This is Handle on the Law.
Speaker 7 (17:49):
You're listening to Bill Handle on demand from KFI AM
six forty.
Speaker 2 (17:55):
KFI AM six forty Bill Handle here on a World Saturday,
last day of the World Series Game seven tonight.
Speaker 1 (18:05):
And the phone numbers.
Speaker 2 (18:06):
We do have lines open right now for legal advice
eight hundred five two zero one five three four. That's
eight hundred five two zero one five three four. And
we're pretty good, pretty good shape phone call wise, because
I go through a lot of these phone calls really quickly.
Speaker 1 (18:24):
Some might take my time out.
Speaker 2 (18:25):
If I can make fun of you if I can
humiliate you in any way, of course, I go walls
to the wall, and that one also just kind of
fun hearing the stories, because quite often it's not just
the legal advice which is terrible that I give. I mean,
that'll be the first one to admit my advice is
got awful. It's a matter of fact the approaches malpractice,
but it's also the backstory of how people got there,
(18:47):
and that usually and most of the times has a
lot to do with where do I sit now? Of course,
so the number eight hundred five two zero one five
three four. That's eight hundred five two zero one five
to three four. Welcome back, Handle on the Law, marginal
legal advice. Hello Barbara, welcome to Handle on the Law.
Speaker 10 (19:09):
Yes, ma'am, Hi, thanks for taking my call. And I
hope they're humorous enough. Not me, but what the Homeowners
Association has been doing that you can get some laugh. Am.
I homeowner of a condo. We use it as a
rental and we had a flood from common piping, documented it,
submitted it and they've been a nightmare since. Kind of
(19:31):
gone back and forth as offers, but at the last
agenda they decided to publish and slander me. So they
wrote my name, my address, the amount, which they knew
was erroneous because they had the offer in hand, and
then they wrote should all owners pay for a complete
kitchen remodel for a rental unit? Then they wrote do
(19:53):
all owners get part of the additional five hundred dollars
a month rent a landlord can.
Speaker 1 (19:57):
Charge for a new kitchen?
Speaker 10 (19:59):
So that went out to general membership. We wrote and
said this was factually incorrect and appropriate to speculate and
make these accusations. They email the new agenda, but kept
this other one up to date to the state on
their website. We verbally at the homeowner's meeting said, do
(20:20):
you actually you know this is not actually correct? This
is clearly designed to bias and take it down, and
it's still up. So beside my suit. Beside my suit
which I have extremely well documented. They have a history
of this kind of behavior, so this is not the
first time they're doing it. They use words and agendas
(20:42):
like greedy homeowners. They used words like fear mongering or
people trying to exploit the association. The main issue is
they have a kind of Trumpian president who starts off
the meetings with bragging about the financial status of the
HUA and the other four for whatever reasons, Bold, I
(21:03):
have no clue.
Speaker 1 (21:05):
What's your question? What's question?
Speaker 4 (21:09):
Yeah?
Speaker 1 (21:10):
Sort of, it not really.
Speaker 2 (21:12):
I mean, you know, technically, technically, technically it could be.
But based on the fact that this happens on a
regular basis, do any and other homeowners are tagged the
same way? Does anybody pay attention to those allegations? I mean,
you get anybody that comes to you and goes, oh
my god, you're a horrible person. Look what you did, Barbara,
(21:33):
How can you do this to the homeowner association?
Speaker 1 (21:35):
Do you have any of that?
Speaker 10 (21:38):
I haven't. But the other one who's been tagged like this.
Speaker 2 (21:40):
Yeah, well then that's what. It doesn't matter what you're
talking about. Your libel. It's not someone else's libel. And
the answer is probably. But nobody cares. That's the problem.
Nobody cares, Barbara. Your reputation hasn't been influenced. Everybody just
thinks you're okay. They know this guy is a mini hitler.
They know that, and they've all received letters. That's just
(22:03):
who he is. Would a libel suit fly maybe kind
of sort of, but it's so remote, just just go
forward with your lawsuit, ignore the crap that's being thrown out,
and actually enjoy it. As a matter of fact, what
you want to do is do a football pool and
(22:24):
ask the other homeowners, Hey, let's find out who he's
going to attack next time. How many minutes is he
going to brag about how brilliant he is? And then
more importantly, you run for office, and equally importantly you
don't elect him because the only way he's.
Speaker 1 (22:39):
On the board.
Speaker 2 (22:41):
Yeah, and how many people, well, how big is the
condo association?
Speaker 1 (22:43):
How many units were talking about?
Speaker 10 (22:46):
It's three hundred and sixty. And as soon as they
got the film with you, I'm headed over to a
meeting work.
Speaker 1 (22:51):
Go ahead, stand up, all right?
Speaker 2 (22:53):
Good you stand up, and you say And what I
would do is hand out copies of those letters to
everybody and say, hey, this is the kind of guy
who is running our association.
Speaker 1 (23:04):
And then he's gonna call that. He's gonna call.
Speaker 2 (23:07):
Me and and ask if Barbara, you are liably him.
Speaker 1 (23:13):
Just get get him off. Yeah, get him off. You're
gonna be fine. You're gonna be just fine.
Speaker 2 (23:18):
I would not worry about it what whatsoever.
Speaker 1 (23:24):
Hey, Johnny, welcome to handle on the law.
Speaker 5 (23:28):
Yeah, okay, with Kaiser, I want to move over to Ppo.
Speaker 1 (23:31):
Okay, I want to.
Speaker 5 (23:33):
Know from you the restrictions. Won't you make that you
go to Ppo? Do you have to then stay with
them for that one calendar year.
Speaker 1 (23:40):
You're talking about Kaiser or with a new Ppo?
Speaker 5 (23:44):
What's a new Ppo?
Speaker 1 (23:45):
That depends on what the PPO wants you to do.
It's that simple. You look at the policy and you.
Speaker 2 (23:50):
Look at the new Ppo and you go, okay, I
want to sign up with you. I want to dump
Kaiser And now what, uh does are there any restrictions?
Is there a period of time before he kicks in?
I can't imagined a one year rule that that didn't
make any sense at all, other than maybe if you
shige in with Ppo and they say it's going to
be a year before he kicks in, which I've never
(24:11):
heard of insurance company doing that.
Speaker 5 (24:15):
But Kaiser, but Kaiser and Ppo? Uh, you know, I'm
going to make that I'm gonna cross over. And so
that's my point. I don't want to just stay for
one month. I want to be there for years.
Speaker 2 (24:29):
Yeah, that's what you want to do. So you just
switched from the from Kaiser Ppo to the new PPO.
Speaker 1 (24:33):
That's all.
Speaker 2 (24:34):
You're changing horses mid stream, which you're allowed to do.
Speaker 5 (24:39):
Okay, but right now there's a sign up time and
it's like October first to maybe the end of the year,
and then that's it.
Speaker 1 (24:46):
Are you talking about medic Are you talking about Medicare?
Speaker 5 (24:50):
Right, I'm on see, I got it?
Speaker 1 (24:52):
Okay, Then you.
Speaker 2 (24:53):
Can only write so at this point you can drop Kaiser.
But this is cover it. This is Medicare cover. This
has nothing to do with which organization you are with.
Medicare pays for whatever plan you are on, and you
can switch. And what they've done is say this is
the period of time in which you're allowed to switch,
(25:14):
and we're allowing you to switch with no hassle. There's
no issue the other time. This it's a Medicare issue.
It's not a Kaiser and a Ppo issue. It's strictly
a Medicare issue.
Speaker 5 (25:25):
Yeah, you're okay, you're clearing that up, correct.
Speaker 2 (25:27):
Yeah, And you can call you know, they have all
these advertisements you see on TV and you're listening to
radio and see the print and the billboards, et cetera
that say, I'm if you have Medicare we can help
you out and find out what plans are there. The
reason they do that, and they by the way, they
do help I mean, don't misunderstand.
Speaker 1 (25:46):
These are not scams at all.
Speaker 2 (25:47):
What they do is they want to grab you and
put themselves at administrators under the plan.
Speaker 1 (25:54):
They're still legitimate plan. You're still a Medicare.
Speaker 2 (25:56):
But what they do is it's Medicare changes and it does.
Speaker 1 (26:01):
Benefits change year to year.
Speaker 2 (26:02):
Sometimes they stay the same, sometimes they are different, and
depend it even depends on your zip code.
Speaker 1 (26:08):
That's how complicated it is.
Speaker 2 (26:09):
Medicare is just a bitch to deal with and what
they'll do, Yeah, it is, But go to one of
these places and it doesn't affect you at all. What
it does is simply affect them as administrators of the plan.
Speaker 1 (26:24):
You don't worry about it.
Speaker 2 (26:25):
Call one of these places and they'll tell you which
one and they'll help you with all of it. You're
going to be just fine, Okay, all right, you got it. Yeah,
And I wanted to clear that up Medicare. I've been
on Medicare now and it's weird stuff.
Speaker 1 (26:39):
It really is.
Speaker 5 (26:40):
Now.
Speaker 2 (26:40):
Interestingly enough, I've been with Kaiser, as you know, my
entire life. They try to kill me a few times,
but they didn't quite make it, although I've had friends
that were successfully killed by Kaiser. And Kaiser is also
administrator of its own plan. In other words, not only
do they provide the coverage, but they also administer because
under medical Care, there is an administrator for Medicare, and
(27:03):
so everybody wants to jump on that. That's why you
see these ads like crazy, and you only see them
during this period October one till the first of the year.
That's when the switch can take place according to Medicare.
This is handle on the law.
Speaker 1 (27:22):
Yah bye, good morning, everybody. I'm ETSI Sert. We'll scramble
up here.
Speaker 2 (27:29):
Good morning, everybody, handle here on a Saturday morning. World
Series Game seven tonight, and we'll see if the Dodgers
or the Blue Jays take this away. Dodgers hoping to
repeat last year. And phone numbers. We do have a
couple of lines open, and boy, we're going through them
pretty quickly today, which is always fine. Eight hundred five
two zero one five three four eight hundred five two
(27:51):
zero one five three four and you will get right in.
Speaker 1 (27:56):
All what else?
Speaker 2 (27:58):
Uh, I'll tell you about that later the event. Thanks
grilling event we're doing next Saturday at the Inaguin and
Miguel at the Wild Fork Store. But I'll do that
a lot later. By the way, good cough there say
I'm in the background.
Speaker 1 (28:14):
Love it.
Speaker 2 (28:15):
Eight hundred and five two zero one five three four
Welcome back. Handle on a law marginal legal advice.
Speaker 1 (28:23):
Dennis. Actually have a good question, Dennis, you're.
Speaker 3 (28:26):
Up, hey, Bill. I'll start with the question, do I
have any legal avenues to compel a county property tax
assessor to reassess my property after their assessment post purchase?
And then the explanation is the property was originally assessed
around two hundred thousand dollars with the prior owner. I
(28:49):
purchased it. They immediately came out and assessed it for
twenty thousand dollars more than the purchase price. I provided
compts that show that I actually overpaid for it. It
was going to be a marijuana grow, but that industry
tank in any event, it's been now two years. They
say they have a more.
Speaker 4 (29:07):
Than a three year backlog.
Speaker 3 (29:09):
My comps show this thing to be worth or taxed,
you know, basically in the two hundred and fifty thousand okay,
yeah you have.
Speaker 2 (29:20):
You have a different Basically, they owe you money. You're
overpaying on your property tax.
Speaker 1 (29:25):
So I have that right.
Speaker 3 (29:26):
Sure, they're assessing it at three hundred and seventy five
thousand dollars and the comps and the comp showed it
like two fifty.
Speaker 2 (29:33):
Okay, so I fair enough. So what you're doing is
you're overpaying. And what you've done is you are now
applying for a reassessment, which you are allowed to do
under law, and they have to reassess it. And usually
people when when comps show the property way undervalued based
on what they're saying, usually you win because that is
(29:54):
the realistic assessment. Now, the three year delay, there isn't
much you can do about that. That's their backlog. It's
a question of budget, it's a question of how many people.
Speaker 1 (30:03):
I mean.
Speaker 2 (30:03):
Keep in mind that, for example, there's a fire that
takes place, the Palisates fire, and on the books, the
the tax is still the same. That property is worth
two million dollars, is still assessed to two million dollars
even though it's just a pile of firewood. And so
(30:23):
what happens is the application is made to reassess the
property and they're gonna win. And it sounds like you're
gonna win. And the good news is it's going to
be retroactive from the time you applied.
Speaker 3 (30:37):
Retroactive.
Speaker 2 (30:39):
Yeah, I think so. I think they go back. I
think from the time you apply, they go retroactive.
Speaker 5 (30:43):
Yeah.
Speaker 2 (30:44):
I do not believe because the backlog. I don't believe.
The backlog hurts you. And so what's going to happen
at the end of it all? You will get your
money back or you can roll it over to the
next tax bill. And I don't know if that's your
choice or not. I think it is, and you should
be fine. You could always appeal it too. If you
don't agree with what they say, you appeal it. And
by the way, most homeowners win those appeals and win
(31:07):
those assessments because the values right there here are the
comps there, they are in front of your face, and
you can't argue of how long it takes because well,
can you imagine. Let me, I don't know what county
you are in. What county are you in?
Speaker 3 (31:21):
Well, this is an investment property in Humboldt County.
Speaker 2 (31:23):
Up most Okay, all right, So it's so you have
the assessor's office in Humboldt County County, and there may
be one guy and his Humboldt County, which is the
marijuana capital of the world.
Speaker 1 (31:35):
And so the one assessor is sitting back and he's.
Speaker 2 (31:38):
At the local in and out burger if they have
him up there smoking a joint and having lunch for
five hours.
Speaker 1 (31:46):
So you're going to be fine. You're going to be
just fine.
Speaker 2 (31:50):
And no, you can't do anything about the assessor's office
taking as long as it should. It is what it
is in terms of the revenue and in terms of
their resources. So not to worry, and keep on paying
your taxes. By the way, do not stop paying taxes,
because what you're actually doing paying in a savings account
non interest, but you're paying into a savings account. Oh Fred, Hello, Fred, welcome.
Speaker 7 (32:17):
Yeah, Bill, I've got a property line dispute. I had
the property surveyed by licensed surveyor, and it shows that
the defense that's there is in his favor when it's
actually my fits. So can I go on the property
and put the fence back?
Speaker 3 (32:38):
Well?
Speaker 2 (32:39):
All right, let me okay, let me ask okay, let
me ask you a question. Okay, how far into or
how much property do you lose up to the fence line?
Speaker 7 (32:49):
Three feet?
Speaker 1 (32:50):
He grabbed three feet? And how big is that piece
of property?
Speaker 7 (32:55):
Three acres?
Speaker 1 (32:57):
Okay?
Speaker 2 (32:58):
Well, I mean I'm gonna ask a practical question and
then we're going to talk about the legal aspects. How
important is that three feet?
Speaker 7 (33:10):
Not really all that important?
Speaker 1 (33:11):
Okay?
Speaker 2 (33:12):
Is there any value difference in the property and the
value of the property essentially?
Speaker 5 (33:21):
No right?
Speaker 1 (33:22):
Okay, so your damages are virtually zero.
Speaker 2 (33:24):
Now legally, do you have the right to build on
your property?
Speaker 1 (33:29):
Hell? Yes?
Speaker 2 (33:31):
Do you have a right to tell the owner get
the proper get get your fence off the property? Absolutely?
What kind of fence is it? Is it a block fence?
Is it just a wooden fence? What does he put up?
Speaker 3 (33:43):
Chain link?
Speaker 1 (33:45):
Chain link?
Speaker 5 (33:46):
All right?
Speaker 1 (33:46):
Do you like the fence?
Speaker 7 (33:50):
It's in bad shape?
Speaker 2 (33:51):
Okay, Well, then what I would do is let him
know you're on my property. Your fence is on my property.
Here's the survey, and I'd like you to move the fence.
And that means you get to put up your fence
or there'll be no fence. There's no law that says
you have to have a fence. So if he says
to go pound sand. He has to take it down,
(34:11):
and now there's no fence. And does do you have
any dogs or does he have any dogs that eat people?
Speaker 3 (34:19):
I do have three?
Speaker 1 (34:21):
Yeah dogs. Yeah, I dont know what I would do.
I'll tell you what. I will tell you what I
would do.
Speaker 2 (34:28):
As a practical measure, Just put ap a fence on
your property and leave it alone. Put a a fence
on your fence line and leave it alone. Let him know,
the property owner, let him know, Hey, this is on
my property.
Speaker 1 (34:42):
Take down your fence. Make a demand.
Speaker 2 (34:43):
He can say yes or no, and you can take
it to court if you want.
Speaker 1 (34:48):
I don't know if I would take it to court.
Speaker 2 (34:51):
But you have to have a fence that in fact
holds your dogs in, because if you don't have a
fence and your dogs go out and start eating folks,
like eating little children, you have bought a world, a
world of hurt.
Speaker 1 (35:08):
Okay, yeah, what kind of dogs you have?
Speaker 7 (35:10):
Question quickly a German shepherd?
Speaker 2 (35:15):
Oh god, yes, And you don't have insurance.
Speaker 1 (35:18):
I'll tell you right now.
Speaker 2 (35:19):
Your homeowner's insurance doesn't cover your Doberman. Doesn't cover the
German shepherd.
Speaker 1 (35:25):
Got it all right?
Speaker 3 (35:27):
You have one more questions, questions quickly.
Speaker 7 (35:29):
Yes, I have a tree, a big tree that's on
my side of the property. However, one of the branches,
which is very large, is over on his side of
the property. If it breaks and falls down, who has
to clean it up?
Speaker 1 (35:45):
You do cut the tree.
Speaker 2 (35:48):
You ain't the branch his property, doesn't mean but it's
your tree that's overrunning his property. You are responsible for
your tree. Cut that branch down. Just cut it down
at the property line, because then he calls.
Speaker 7 (36:02):
Me, it'll go immediately down on his property.
Speaker 2 (36:06):
Well, then you say, here's what you do. You say
to him, this is what I'm going to do. I
am going to cut this branch and my expense and
I want access to your home.
Speaker 1 (36:16):
If he says no, you make sure.
Speaker 2 (36:18):
That that is all memorialized, that's all put in writing.
And when your branch does come down and do whatever
property damage to his place, you show hey, I offered
and he said no, I am not liable. And if
he has any brains, what he will do is allow
you to cut that branch down. But you are responsible
(36:39):
unless he says no. Unless you offer and he says no,
and then there'll be a suit anyway. But This is
why God invented insurance to begin with. So everybody's going
to be fine, or they're going to get their assets
to food off, or the dog's going to eat a toddler,
and it's going to be a lot of fun.
Speaker 4 (36:56):
All right.
Speaker 1 (36:57):
Just you'll be talking about your breath for a moment.
Speaker 2 (37:01):
And if you don't have bad breath, you don't want
to listen to this commercial because I know you never
wake up. First of all, you never go to sleep
and wake up with morning breath because you're you. And
I'm sure you don't drink coffee and have coffee breath.
And I'm sure you never eat garlic or onions or
anything that causes bad breath because you're unique. Well you're not.
The bottom line is, we do eat garlic and onions.
(37:22):
We do wake up and have morning breath. We do
have an issue.
Speaker 1 (37:27):
It's that simple because of the foods we eat.
Speaker 2 (37:29):
So let me suggest dealing with Zelmon's Zelman's minty mouth.
I didn't say minty mouth. Mints, well, they are mint
to an extent. These little capsules, these little capsules of
parsley seed oil that is covered with a nice strong mint.
Speaker 1 (37:45):
So you pop two or three in your mouth.
Speaker 2 (37:47):
You suck on the mint and when the mint part
is finished, either bite into the capsule or swallow them
and they get to work in your stomach. And a
lot of people don't understand that bad breath can come
from your stomach too. The food goes down and the
acids hit it. Guess what it does its thing, And
what zelman'sminte Mouth does is take care of both sides
of that. No mint in the world does that fresh,
(38:09):
clean breath, uh, confident breath for hours and hours. You
won't find Zelman's at Trader Joe's or at Walmart or
at Costco. Only at Zelmans dot com, Z E L
M I N S. Zelmans dot com, Zelmans dot com.
Speaker 1 (38:26):
This is Handle on the Law.
Speaker 7 (38:30):
You're listening to Bill Handle on demand from kf I
A M six forty
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