July 4, 2026 • 38 mins
Handel on the Law. Marginal Legal Advice.
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Speaker 1 (00:00):
You're list Saints KF I AM six forty.
Speaker 2 (00:03):
The bill handles show on demand on the iHeartRadio f
This is handle on the law marginal legal advice where
I tell.
Speaker 1 (00:13):
You you have absolutely no case.
Speaker 2 (00:16):
The Supreme Court fight that President Trump had on the
birthright citizenship. As you know, the president and I mean
for decades, has been arguing that there should be no
birthright citizenship.
Speaker 1 (00:30):
Fourteenth Amendment of the Constitution simple.
Speaker 2 (00:32):
Simply says, anybody born in this country is a citizen,
notwithstanding any other reason. It doesn't matter why someone is here.
If they're born here, they're a citizen. Well, the President's
position and others say that if you have a child
born of illegal immigrants, then birthright citizenship does not occur.
Speaker 1 (00:54):
And a lot of countries in the world have that position,
take that position. So that went up.
Speaker 2 (01:01):
This was an executive order that President Trump signed his
first day of his second term, and so as we
would expect, that went up to the Supreme Court. Actually,
I have a surprise Supreme Court even took it because
the appeals court, the lower court said no. The appeals
court said no to Trump, and I don't know why
the Supreme Court said yeah, Well, we'll take it up,
(01:23):
maybe to make a definitive statement.
Speaker 1 (01:26):
You never know why the court takes up the case.
Speaker 2 (01:29):
So they decided to take it up, and the Court
said sixty three said, if you look at the Constitution,
it's pretty clear anybody born in the United States is
a citizen. The Fourteenth Amendment, the first line of the
Fourteenth Amendment, Section one says that anybody born here is
a citizen. And the interesting part about this, at least
(01:52):
in my opinion, because I thought this was going to
be unanimous, I mean, it's so clear cut is the
President had three Supreme Court justices that agreed with him,
and the argument was, if you look at the Fourteenth Amendment,
it was historically passed to enfranchise African Americans, black people
that heretofore were slaves, and to simply say there is
(02:16):
no such thing as slavery. I mean, it ended slavery,
and anybody born in the United States was basically everybody
at that time was a citizen. So I didn't get
the Supreme Court taking it up for starters. I didn't
get how three justices agreed with President Trump and it
was a given that he was going to lose. So
now what's he going to do as a result of this, Well,
(02:37):
he is calling on Congress to pass the law banning
birthright citizenship. You know where that one's going to go.
No place. I mean this is you know, some of
the stuff Trump does has validity to it. His legal positions.
You may not agree with them, but they're valid. This
(02:57):
one is ridiculous for him to after the Supreme Court
has upheld the language of the Fourteenth Amendment, to then
say to Congress pass a law banning birthright citizenship. You
know what, There's one way to do it, and that
is to pass a constitutional amendment, which ain't easy to do.
(03:19):
Three quarters of the state legislatures or three quarters of
Congress or two thirds of the state legislatures. I mix
those two up, I conflate those. But that's not going
to happen. It's not going to happen at all. Okay,
let's take some phone calls. D Hello, D welcome, Hello sir.
Speaker 3 (03:39):
Yeah, a question. I worked for a pretty much large
one of the large hardware companies. I've been there for
four years. I've worked part time. I made a complaint
to HR about an individual who's a team leader. I
just could say about his bo his religion does not
believe you in de orderant or clean hygiene. This has
been going out four years.
Speaker 1 (03:59):
What Yeah, I'm just curious what religion is that Muslim.
Muslim they don't believe in clean hygiene.
Speaker 3 (04:09):
That's what he told a jump, and that's why they
don't do nothing. He's been there for five years or
six and I google it and I did find something that,
like you said, they do believe highly cleaning this.
Speaker 1 (04:19):
Of course they believe in cleaning us.
Speaker 2 (04:22):
Yeah. So yeah, I mean the guy's lying to you.
He's just clearly saying that. So he doesn't have to shower,
or use armpit theodoro or brush his teeth.
Speaker 1 (04:32):
Yeah, go ahead, right.
Speaker 3 (04:34):
I took it to HR because after four years looking
at I mean even customers look for play like they
look at me it was me And I said no,
I found offense that they thought it was me, and
they said they talked to the assistant manager. This was
about two weeks ago, and then two days later I
have to work with the individual again and nothing changed. Well,
on my new schedule, the a couple of hours for
(04:55):
the next week, I don't work at all, even though
in part time I'm not scared pretty out.
Speaker 1 (04:59):
Oh okay, and you're trying to connect.
Speaker 2 (05:01):
You're trying to connect, you complaining about his BO to
your hours being cut?
Speaker 1 (05:06):
Is that correct?
Speaker 3 (05:08):
I see that because if nothing was done, nothing over,
I understand.
Speaker 2 (05:12):
And that may be, by the way, that may be legitimate. Uh,
And it could be one of several things. And the
first thing that comes to mind is he is considered
so valuable to the company they just sort of suck
it up and allow him to do that for whatever reason.
The other thing I can think of is his supervisor
has even stronger BO than he does, so he's not
(05:36):
going to be offended. And if you go up the line,
maybe the BO factor increases all the way up, maybe
to the president of the company that can't walk in
a room without people literally going unconscious. I don't think
that's the case, but they could. What state are you at?
Are you in California? No, sir, in New Mexico? Okay,
(06:00):
I don't yeh see, that's what happens all the time.
All I can say is that if New Mexico, and
probably New Mexico's like California, though we're considering California is
a liberal state and it's not in this regard is
they can fire you for any reason. And if they
come up with we just don't like him, he complains
(06:20):
his attitude is such that D is not a team
player and the other one is a team player. There's
not much you can do about it. There really isn't,
you know, get a job someplace else, or you can
sink even more than he does.
Speaker 1 (06:37):
Don't shower for a month and see what they do.
Speaker 2 (06:41):
Then you talk about wait a second, they're forcing me
to shower, but not forcing him to shower, but saying that,
you know, I'm a Muslim and I don't have to,
you know, take care of myself in terms of personal hygiene.
Speaker 1 (06:57):
I don't think.
Speaker 2 (06:57):
So talking about well, let's not talk about privacy, but
talking about you being injured. If you have been injured,
let's say you got in a car accident or you
have a slip and fall and all of a sudden boom,
you have to figure out what to do and it's
not your fault. Well, I'm going to suggest you contact
a lawyer, because the only thing you can get from
(07:19):
that accident is money.
Speaker 1 (07:20):
That's it.
Speaker 2 (07:21):
And so you probably, I'm sure I want to maximize
the amount of money you could get because it's a
real hassle, and you know who wants to be unrepresented
underrepresentative and not get the money that you should get.
And this is where handle on the Law dot Com
comes in. These are lawyers who represent you. There's no
money up front. They take a percentage of what you
(07:44):
get of the settlement if they don't settle, no money.
And what they do is deal with insurance companies that
are experts at not paying you money. That's what they
do is don't pay you. Handle on the Law dot
COM's attorneys do get you money. House called eight eight
eight eight eight eight eight six six eight. That's eight
(08:04):
eight eight eight eight eight eight six six eight. Visit
handle on the Law dot com. This is handle on
the Law. This is handle on the Law Marginal legal
advice where I tell you you have absolutely no case.
Speaker 1 (08:25):
Uh raboo? Do I have that right?
Speaker 2 (08:27):
Yes?
Speaker 1 (08:28):
All right, raboo? Where's that from? That's an interesting name. Romania,
Oh Romania? Okay, rob the Romania? All right, fair enough?
Speaker 4 (08:37):
Yes, all right, I'd be sure because I know I.
Speaker 1 (08:40):
Know your patient runs run short. So it runs very.
Speaker 4 (08:45):
Container from this company, right, And the container was the
sort of water it got rusty, and I asked for replacement.
They send me a replacement, and the replacement got rusty too,
so I asked for my money back. They said they're
gonna send me the money back, and they go to
me for a few months, and when I reached out
to them again, they said, it's too late to send
you the money.
Speaker 2 (09:05):
Okay, so let me ask you this. Okay, hold on,
hold on, I get it. They're just trying to get
out of it. Let's start with how much money was
this this water thing?
Speaker 4 (09:15):
It was one hundred and twenty bucks.
Speaker 1 (09:17):
Okay, one hundred and twenty dollars.
Speaker 2 (09:19):
Where is this company located Florida?
Speaker 5 (09:23):
For?
Speaker 6 (09:23):
You?
Speaker 1 (09:24):
Don't even pretend you're going to get your money back?
Speaker 5 (09:27):
I understand, Thank you so much. Okay.
Speaker 2 (09:29):
It's not not that they don't use it's not that
you don't deserve it.
Speaker 1 (09:33):
I mean, you do you know.
Speaker 2 (09:35):
They sell you a defective product costing one hundred and
twenty dollars.
Speaker 1 (09:37):
It doesn't work.
Speaker 2 (09:38):
I want my money back, and they say, of course,
and they did the right thing.
Speaker 1 (09:42):
They sent you.
Speaker 2 (09:45):
A replacement and that went south.
Speaker 1 (09:48):
So you're entitled your money back in Florida. What do
you do?
Speaker 5 (09:55):
Well?
Speaker 1 (09:56):
You suck it up where you serve rusty water? What
the hell the you care?
Speaker 2 (10:00):
You know it's someone else's drinking it, Just don't you
drink it. Hey, Doug, welcome to handle on the law.
Speaker 5 (10:09):
Hi.
Speaker 7 (10:09):
Bill, Yes, it's my pleasure to talk to you for
the third time now, Oh happening. I'm calling because I
have an issue and I know you know a little
bit about credit. I financed a brand new truck several
years ago to try to get my credit back to
where it should be after an embezzlement. My credit was
(10:30):
from the eight hundreds down to five something. Anyway, long
story short, I have a truck payment that I made
for six years and I had a couple of questions
during the course of the loan and called and said,
it didn't seem like you're applying my loans right. I
end up with getting a refund check for twenty four
(10:50):
and twenty dollars out of the blue. They sent it
to aug in Michigan. It took me six months to
get that resolve. Long story short, after I thought the
truck was paid off, I called them, more's my pink slip?
Oh you still owe one more payment? Well, I paid
them just to get the pink slip and they said
there will be no charge off. They charged off two
(11:10):
hundred and ninety seven dollars and ruined my credit one
hundred and seventeen points.
Speaker 1 (11:16):
Wow, okay, okay.
Speaker 7 (11:18):
And then in the meantime, I have received six checks
since I've had my pink slip over the course of
eighteen months. Last week we throw over five.
Speaker 1 (11:26):
Thousand dollars that they have sent to you.
Speaker 7 (11:30):
Yes, I have received a total of ten checks from
on a car loan for their errors and they they
say we're sorry, and then we add extra interest for
your inconvenience. Now I called the TransUnion and they said,
you don't have anything on our record.
Speaker 1 (11:48):
With it's disappeared.
Speaker 7 (11:51):
Okay, so file for claim for for monetary damages for
a second.
Speaker 1 (11:57):
Hold on a minute.
Speaker 2 (11:58):
IFIEL don't have anything with TransUnion, then your credit should
be fine.
Speaker 1 (12:02):
So maybe I'm missing something here.
Speaker 7 (12:05):
Well, no, but you have you want to show on
your credit that you actually had had an installment loan
and you paid it satisfactorily.
Speaker 5 (12:11):
That helps your credit.
Speaker 2 (12:12):
And they don't get okay, So okay, so they don't
you did that and you don't have it, they don't
show it on the credit report.
Speaker 1 (12:22):
How does that negatively affect your credit?
Speaker 7 (12:26):
It negative affects my credit because it's better to have.
Speaker 1 (12:29):
No I understand. So how does that negatively affect your credit?
Speaker 5 (12:32):
I get it.
Speaker 2 (12:33):
If I have four loans and it shows only three loans,
and the four and the three loans are timely, my
credit's not going to be affected whether or not the
loan shows or not. Now, if the loan shows that
I'm not paid it, that's a problem. If it shows
a charge off, that's a problem.
Speaker 1 (12:49):
But what you're.
Speaker 2 (12:49):
Saying is that it doesn't even exist the fact that
you had a loan. Okay, I grant that from what
I understand. If I get it correctly, you had a loan.
That doesn't show that had a loan. How is that
negatively affect your credit?
Speaker 7 (13:03):
It negatively affects my credit for future borrowing because it
shows that I have no proof that I've had any
installment loans?
Speaker 2 (13:09):
Is that the only is that the only loan that
that existed in your life?
Speaker 7 (13:16):
No, No, I had nine hundred thousand dollars mortgage on
my house.
Speaker 2 (13:20):
Okay, So that shows you, okay, and that shows that
you pay timely. How does the credit change credit. Okay,
here's that, Doug. Doug, we're missing something here. The fact
that that credit report or that indication that you did
pay it correctly. Uh, the fact that it's not there.
(13:40):
How many points does that cost you?
Speaker 7 (13:44):
I'd one hundred and some points because they never report
it correctly that I was current the whole time.
Speaker 1 (13:51):
They didn't. Really, well doesn't it doesn't exist now.
Speaker 5 (13:54):
I know.
Speaker 7 (13:55):
But that doesn't help me because it would help me
if they if that's that's why people say to get
an installment loan it helps your credit.
Speaker 2 (14:02):
Oh, I understand, but how do you know how much
it's going to help? You said one hundred and seventeen points.
Well that was the embezzlement. So let me ask you this. No, no,
it would help your credit. How much would it help
your credit?
Speaker 7 (14:15):
I think one hundred points?
Speaker 1 (14:17):
You think it's gonna What is your credit report? What
is your credit score?
Speaker 5 (14:19):
Now?
Speaker 7 (14:21):
It's about six seventy and it was seven to seventy.
Speaker 2 (14:25):
It was seven seventy. At what point is it before
they eliminated it?
Speaker 7 (14:30):
No? No, the moment, the moment they said that I
when I settled with them to give a pink slip,
that's all I really wanted was a pink slip, And
they said, okay.
Speaker 1 (14:42):
No, I understand that. I get it. You make the payment,
you made the payments, they send.
Speaker 2 (14:45):
You a pile of money, and they've removed your existence
from the credit report. I get it, okay, And you're
saying I want it brought back to show that I
make a timely payment. Okay, I understand that the fact
that you took it off cost me one hundred and
seventeen points. How do you prove that? How do you
know that that's what costs you one hundred and seventeen points?
Speaker 7 (15:07):
They tell you, show, I can show that from the
credit agency when they reported it that it was a
charge off.
Speaker 1 (15:17):
But it doesn't exist anymore. But it doesn't.
Speaker 7 (15:19):
Exist, I know, but it never came back up.
Speaker 1 (15:23):
Well, that's a different issue. That is a whole different issue.
Speaker 2 (15:28):
And then you want to find out I don't have
any negative credit. What am I only doing with a
six hundred or a seven hundred? I don't have any
negative credit? What are you guys doing?
Speaker 1 (15:38):
What credit is?
Speaker 2 (15:39):
Show?
Speaker 1 (15:39):
Let me ask you, what do you do? You have
other credit? Doug?
Speaker 7 (15:44):
Yes, I do, okay, And you've paid all.
Speaker 1 (15:46):
Of it and all of them are current.
Speaker 2 (15:49):
One, then how do you lose credit when all of
your credit is great? And then you have one creditor
that just removes you completely, so it never existed. So
let's say you have six accounts, six credit accounts where
you're scoring big, and one of those eliminated. It was
(16:14):
even negative and it was eliminated. Now only you have
five perfect payment records, and somehow that has cost you
one hundred and seventeen points.
Speaker 1 (16:23):
You got me on that one.
Speaker 7 (16:24):
Doug, Well, nobody, it's never gone back up.
Speaker 1 (16:27):
That's a different issue. I understand that.
Speaker 2 (16:29):
Now you get to work with them on that one,
because what are you gonna and what are you gonna do?
Speaker 1 (16:34):
Hire a lawyer?
Speaker 7 (16:36):
Well? No, then wells Fargo asked, if I want to
mediate this for additional funds.
Speaker 1 (16:42):
Yes, mediate it.
Speaker 2 (16:43):
Do whatever you can sit down in front of anybody,
of course, of course, But you know you made no sense.
But then, how unusual is that? Now you've heard me
talk about privacy online. I just did that with a
previous caller. There's no such thing as privacy online. Doesn't exist. Everything,
I mean, everything about you is out there is available.
(17:04):
Your home address, where you work, where your bank, what
you buy, where you buy it, cord records, accident history,
insurance information. Let me go on and on DMV information,
credit score, social media. I could go on for an
hour on that one. It's all out there, all very
easy to get. And let me tell you that your
information is then collected by hundreds of data brokers and
(17:27):
then it gets sold to anyone who wants to buy it.
And your privacy, well it doesn't exist, so your data
is being sold sold out there to bad guys. Even so,
this is where Incognate comes into play and fights back.
What they do is they contact hundreds of these data
brokers and legally the man your information be deleted and
they have to delete. That's what incognate does, and before
(17:50):
the show today, I do it every time I do
this show. I logged onto incognate my account and hundreds
of removal requests have been completed, hundreds more are in progress.
That's in Cogny sixty percent off. When you use my
name handle, go to incogny I N C O G
N I in cogny dot com slash handle. That's in
(18:12):
cogny dot com slash handle. This is handle on the law.
Speaker 1 (18:17):
You're listening to bill handle on demand from KF I
am six forty.
Speaker 2 (18:23):
Welcome back handle on the law marginal legal advice. Kim, Hello, Kim, welcome, Yeah,
Kim out there. Yes, okay, yes, ma'am. What can I
do for you?
Speaker 6 (18:38):
Okay, I'm going to try to condense this as much
as I can. So, my father had a living trust,
right and me and my sister were in it.
Speaker 5 (18:47):
I was the executor. He had passed, and I asked.
Speaker 6 (18:50):
The lawyer during the time that we were reassessing the
trust to I want my own trust after my dad's
is dissolved.
Speaker 5 (18:59):
So he hold on a minute.
Speaker 2 (19:01):
So you're the trustee, okay? And does the trust call
for you and your sister to split the proceeds of
the trust or split the uh split the balance that's
in the trust?
Speaker 5 (19:16):
Yeah, fifty to fifty between me and okay, And.
Speaker 1 (19:18):
You are the trustee, correct I was?
Speaker 5 (19:22):
I mean, yes, he's passed, but yes, I don't understand that.
Speaker 2 (19:24):
Still makes you the trust I mean if you have
the money been just have the money?
Speaker 1 (19:29):
Has the money been distributed yet?
Speaker 8 (19:31):
Yes?
Speaker 1 (19:32):
Okay? And you distributed it to your sister and yourself.
Speaker 5 (19:37):
Right, I got property, she got money, Okay.
Speaker 1 (19:39):
But that was in the trust.
Speaker 2 (19:40):
Right, it was all specified in the trust, yes, or
the two of you agreed, all right, So now money's
been distributed, you were the trustee.
Speaker 1 (19:48):
All of it's gone.
Speaker 2 (19:49):
Trust is gone to If there's no more money in
the trust, trust issolves.
Speaker 1 (19:52):
There's nothing there. So what is your question? Okay?
Speaker 6 (19:56):
I wanted a trust of my own so I can
keep my right. So he created what he called the
sub trust, and my dad's name says, you know, the
trustee of my name created under my dad's name on
a certain date. And I realized I never got paperwork
after Okay, Kim, Kim, something is not making sense here.
Speaker 1 (20:19):
Let me explain why.
Speaker 2 (20:22):
If you and your sister were the beneficiaries under the trust,
then I don't understand which this sub trust is unless
the sub trust is also a beneficiary.
Speaker 5 (20:38):
Okay, I don't understand that. That's why.
Speaker 2 (20:40):
Okay, here it is. Here's the trust, Dad dies, the
trust is. Here's what I want to do. This is
dead dad, who's now talking. Here's what I want to do.
I have two daughters, and I want the money to
go there and to be split between the two of them.
Speaker 1 (20:57):
One of my daughters is the trustee.
Speaker 2 (21:00):
So the trustee, you did a good job and split
the money according to the terms of the trust. So
all the money from the trust is now gone.
Speaker 5 (21:11):
Right, Yes, where.
Speaker 2 (21:14):
Is a sub trust come into? I have no idea
where even a sub trust is involved here.
Speaker 6 (21:21):
Right, That's what my question is is like I wanted
my own trust created.
Speaker 2 (21:26):
Well, that's that's totally wait wait wait, wait, that's totally separate.
Speaker 1 (21:28):
You have the money, you can do whatever the hell
that you want with the money.
Speaker 2 (21:31):
You can do a trust, you can invest it in
you can invest it in popsicle sticks.
Speaker 1 (21:36):
It doesn't matter.
Speaker 2 (21:38):
But you know I'm getting a trust has nothing to
do with receiving money under your dad's trust.
Speaker 1 (21:45):
It's two separate things. You can do whatever you want
with your money.
Speaker 2 (21:47):
Trust, no trust, leave it to charity, give it to
your friends, it doesn't matter.
Speaker 5 (21:53):
No, I get that.
Speaker 6 (21:54):
But because I have property, I want to put the
property in my trust.
Speaker 3 (21:59):
For what you do?
Speaker 2 (22:00):
You create a fine, you create a trust and put
the property in your trust.
Speaker 1 (22:04):
It has nothing to do with your dad's trust.
Speaker 5 (22:06):
Your dad's trust is right, why did he create a
s I.
Speaker 1 (22:09):
Have no idea.
Speaker 2 (22:10):
But if there's no money, if there's no money, there
then it doesn't matter. He could create ten thousand trusts
and there is no money in the trust, which means
there's nothing to be distributed.
Speaker 5 (22:21):
And according to what you said, reason for him, No.
Speaker 1 (22:25):
There's no reason.
Speaker 2 (22:26):
Unless he said, a part of my money goes into
this trust, into a separate trust, you can always leave.
You can write a trust where money goes into another trust.
You can do that all the time, and the second
trust becomes a beneficiary. For example, what your dad could
have done is say I want it split three ways.
I want it split between my two daughters and this
(22:48):
trust that exists out there too.
Speaker 1 (22:51):
I want the money to go into that.
Speaker 2 (22:53):
But if there is no money to go into that,
because you've already taken all of the money out of
the trust and split it between you and your system, or.
Speaker 1 (23:00):
It's over, it's done.
Speaker 2 (23:02):
And then separately, you take your money and write a
trust with it, put your money in trust.
Speaker 1 (23:06):
You can do whatever the hell you want.
Speaker 6 (23:08):
Yeah, okay, because he's saying that, oh, it was created
because it was to protect the assets that you inherit it.
Speaker 2 (23:15):
No, No, it doesn't protect any asks unless the money
went into a separate trust of which hold on Unless
the money went into a separate trust of which the
two of you are beneficiaries, which I think you can do.
But since the money is all gone and you distributed,
you can have all the sub trusts you want.
Speaker 1 (23:32):
And who's telling you this? A lawyer?
Speaker 5 (23:35):
The lawyer that help?
Speaker 1 (23:36):
Yeah, okay, I don't I don't understand. I don't get it.
Speaker 2 (23:39):
You want to tell the lawyer and ask where what
does the sub trust mean? There is no money at all,
it's all gone. What tell me why we need any
other trust? That's what you want to ask.
Speaker 1 (23:55):
That the lawyer wants to write. Okay, does the lawyer
want to write a sub true?
Speaker 5 (24:01):
He's saying he did, And I said, well, okay.
Speaker 2 (24:04):
Hold on, he said it is okay, he said he
wrote a subtrust correct, Yeah, okay?
Speaker 1 (24:10):
And what is it? And how much money does he
want for the sub trust?
Speaker 5 (24:14):
It was part of the cost.
Speaker 2 (24:18):
It makes Kim, I'm telling you none of this makes sense,
at least to me. I'm not a trust attorney. But
the way I understand trusts is here. It is I
want my daughters to have all the money. And by
the way, here's a sub trust of which is going
to get no money.
Speaker 7 (24:34):
Yeah.
Speaker 2 (24:37):
Yeah, So I don't think there's an issue there unless
I'm wrong. And you can email me, and lawyers email
me all the time and say Bill, you were wrong,
and I always emailed back. I don't care. Now, I go, well, uh,
I wouldn't have done it that way. I go out
and get a radio show. Leave me alone.
Speaker 1 (24:55):
You handle it.
Speaker 2 (24:56):
You know, I'll get you know, you know what I do. Actually,
and this I actually you and lawyers come up to me,
your judges and say, you know you were wrong here,
you were wrong there? And I say, get a radio show.
And I go further than that. I said, you know what,
you record a segment and send it to me, and
I will send it to my program director, who I
(25:17):
promised you will listen to it and they'll give you
a radio show or my program director will. So in
the meantime, leave me alone. But let me tell you
what was not easy for me. I put my mom
into an assisted living facility before she died, and I
didn't know where to go. I mean, literally, what do
(25:40):
I know from assisted living facilities? Where are the good ones?
So I ended up putting one near my house conveniently,
and it didn't work out at all.
Speaker 1 (25:47):
It was horrible.
Speaker 2 (25:48):
So I had to get another one, and I put
her in that one, and that one barely worked out.
I didn't know where to go. So do you know
where to go if you're going to put your senior
loved one into an assisted living facility? I'll bet not.
SLC Placement is a company that helps you find that
excellent caring environment and you pay, don't pay for this.
Speaker 1 (26:07):
It dramatically reduces the amount of time that it.
Speaker 2 (26:09):
Takes to search, evaluate, decide which would be the best.
And this is serious stuff because you're looking at spending
six to eight to nine thousand dollars a month. Uh,
and what are you gonna do? Live closer to Okay,
it's a good reason. Maybe it's on you as far
as family is concerned. Yeah, that's a good reason. But
making it happen is not easy. I mean, you're being
(26:32):
a good person.
Speaker 1 (26:33):
At least.
Speaker 2 (26:34):
Let SLC Placement help you out referring you to the
right home for your loved one. And again that costs
that referral is zero cost to you, and you're gonna
appreciate the help of SLC Placement when the cot when
the time comes, maybe it's now, SLC Placement dot com.
That's slc placement dot com. You can call a d
(26:55):
eight eight two three three sixty nine forty eight eight
eight two three three six slcplacement dot com. This is
handle on the lone Welcome Back Marginal Legal ad Vice
where I tell you have no case.
Speaker 1 (27:14):
Oh, let me see uh Lena, Hello, Lena, welcome Hi.
Speaker 9 (27:21):
How are you?
Speaker 5 (27:21):
Thank you?
Speaker 2 (27:22):
Yes?
Speaker 9 (27:22):
Sam, So, we purchased a truck only had seven hundred
miles on it. We purchased it in Arizona, but we
you know, we're living in California, and the truck went
out of control and we were staying with an ant
who live on two acres, so they have cameras and
(27:46):
the cameras caught the accident and you can see that
the break lights are on and the truck still could off.
We reached out. They had me send them all these
photos and a big packet of every thing. And the
truck airborne and landed in the neighbor's school. But we
(28:08):
have tried to get lawyers and no one wants.
Speaker 1 (28:10):
Who was anybody injured? Lena.
Speaker 9 (28:14):
So, my honey did not die, did not use a
land but he was in the hospital for three days.
He had seven fractured ribs and then his left hand
and that's it. And that's what they said.
Speaker 2 (28:26):
Yeah, okay, here's why no lawyer is going to take that.
That's an easy one because you're going against for a defect,
a manufacturing defect. They don't just roll over on those,
and they don't settle those usually because their position is
(28:47):
maybe they'll settle, but it's you're up against lawyers and
their attorneys who are arguing, it wasn't it was you,
you did something wrong.
Speaker 1 (29:00):
It wasn't.
Speaker 2 (29:01):
It's I have tell you it.
Speaker 1 (29:03):
It's no fun. That's why I'd rather.
Speaker 2 (29:07):
I'd rather have your spouse or partner have lost a
leg or two or maybe maybe even a leg er
two and an arm. That makes that that gets easier
to get an attorney. Yeah, that's legally the right handed
or left handed?
Speaker 1 (29:25):
Is uh? Are you married, by the way or no?
Speaker 2 (29:30):
Okay, all right, what's your what's your partner's name? Robert?
Speaker 1 (29:36):
Okay?
Speaker 5 (29:36):
So?
Speaker 1 (29:37):
Uh, it's is Robert? Left handed or right handed?
Speaker 9 (29:42):
Right handed?
Speaker 1 (29:43):
Okay, So we should have.
Speaker 2 (29:44):
Lost his right hand because that is even a better
case because of you know, eating and uh, you know,
hitch hiking and all of that. You know, it just
makes for a better case. But since he did marbled
and hurt, he wasn't hurt all that much. Uh, you
got a you may just have to turn it over
to your insurance and just pick up on your insurance.
(30:05):
I'm assuming you have a comprehensive insurance. You would have
to almost for a new car, all right, And we did.
Speaker 9 (30:14):
And the thing is that we were living with his aunt,
so he bought he paid out of pocket all the
damage that happened on her land and he only had
fifty thousands.
Speaker 1 (30:26):
Really how much how much damage to her land?
Speaker 9 (30:30):
I would say, I don't know, like twelve thousand.
Speaker 1 (30:34):
Twelve thousand, and then the value of the car. All right.
Speaker 2 (30:37):
Two things Number one, if no lawyer is going to
take it, and I can see why you're really stuck
between a rock and a hard place. Also, it's a
really good lesson that you get much more than fifty
thousand dollars worth of coverage. And I do this over
and over and over again when I tell people my
(30:58):
coverage is fifty five hundred, two hundred and fifty five
hundred thousand for multiple and I have an umbrella policy
on top of that, just in case I run through
a bunch of kindergartener kindergarteners in a crosswalk because I
don't want them going after me.
Speaker 1 (31:16):
And I have to declare bankruptcy.
Speaker 2 (31:19):
So at this point, and you went through the insurance
and you got I'm assuming they paid out the fifty grand, right, yeah, yeah,
I don't know where else you go on this one.
And by the way, accepting that, I don't think you
can get more money, because I believe they probably said no.
Speaker 1 (31:37):
You can still go. You can still have to a
third party.
Speaker 2 (31:40):
You can go beyond what your coverage is because it's
not the other party suing you.
Speaker 1 (31:45):
Yeah. Yeah, I can see the problem.
Speaker 2 (31:47):
The only answer is lots and lots and lots of insurance.
Speaker 1 (31:53):
Linda, Hi, Linda, welcome.
Speaker 8 (31:58):
I did a kitchen remodel and I chose a Mexican
Salteo tile from an example I saw on a tile
company website in Texas, and I followed the instructions on
how to do the install and steal the tile and everything.
And you know, this was probably a year and a
(32:18):
half ago or so, and I sent uh and there
was delays in the install because of you know, the
order of how they wanted to put the floor in
in comparison to the uh cabinetry and all that. But anyway,
so I spoke to I sent some pictures because it
started to change or look just didn't look like the
(32:39):
pictures that I saw on their website as far as
like the the natural.
Speaker 2 (32:43):
Okay, the tile itself had tile. You have the tile
physically at your home? Did you install it?
Speaker 5 (32:51):
Yes?
Speaker 1 (32:52):
Okay? Good?
Speaker 5 (32:53):
And installed all right?
Speaker 2 (32:54):
And uh the and what ended up what was wrong
here was not the installation. It was simply the tile
simply changed color.
Speaker 8 (33:04):
Right, It just looks very odd.
Speaker 1 (33:07):
It looks that way when you installed it.
Speaker 5 (33:12):
Well, it.
Speaker 8 (33:15):
Because of my I guess passivity and thinking that it
was in some areas of the tile it's supposed to
look that way, like a natural look.
Speaker 1 (33:26):
So some areas did.
Speaker 8 (33:27):
In some areas did it seem like it has?
Speaker 2 (33:30):
In some areas it looked like it was supposed to
look in some areas did not.
Speaker 1 (33:35):
Is that correct?
Speaker 2 (33:37):
Right?
Speaker 7 (33:37):
Exactly? Okay?
Speaker 6 (33:39):
So I.
Speaker 8 (33:42):
Sent them some photographs of the sections of the tile
after the install in in a in an email, I
sent them some pictures of what I wasn't happy with,
and she sent me back a reply saying, oh, you know,
it's so it's a natural.
Speaker 1 (34:01):
Look, Okay, what's okay? So, Linda, what's your what's your question?
Speaker 8 (34:08):
Well, I mean, even though it's been all this time
that's passed, is there some way I do you think
that I have some type of Okay, how when you say.
Speaker 1 (34:16):
All this time? How long has it been, Linda, it's.
Speaker 8 (34:20):
Been since the the actual install has probably been like
a year and a half.
Speaker 2 (34:26):
No, you're fine, that's uh. No, you're well within the statute.
Is uh the is the tile? Are you in California
and the tile companies in Texas?
Speaker 5 (34:36):
That's correct?
Speaker 1 (34:37):
Okay, did they ship the tile to you?
Speaker 5 (34:41):
Yes?
Speaker 1 (34:42):
Okay. The issue here is not the possible breach.
Speaker 2 (34:46):
I mean, it sounds like it could be a breach,
although they're going to argue you didn't complain.
Speaker 1 (34:51):
You should have complained.
Speaker 2 (34:52):
I mean, there's all kinds of issues here, but that
the problem is they're in Texas and you're here, right,
and you get to hire a lawyer in Texas?
Speaker 1 (35:02):
How much money was this installed, Linda?
Speaker 5 (35:08):
Between the tile and probably ten thousand dollars?
Speaker 2 (35:12):
Yeah, well, okay, do you have a breach on your hand?
Speaker 1 (35:20):
Yeah?
Speaker 2 (35:21):
The argument's going to be on their side need to
be the devil's advocate.
Speaker 1 (35:26):
You when they installed it.
Speaker 2 (35:28):
Before they installed that, you knew the titles were different colors.
Why were you installing it then? Why didn't you complain
at that point? Question number one. The other question is,
and I'm willing to bet somewhere on their website, there
has to be a disclaimer that says there are variations entile,
particularly in a Mexican tile coming up because they're not
(35:50):
even manufacturing in the United States.
Speaker 1 (35:52):
That there has to be some variation and you accept that,
and I'm just assuming that's the case.
Speaker 2 (35:58):
But you can try suing them in small Claims court
and serve them in Texas.
Speaker 1 (36:05):
And it's sort of up in the air whether you
can do that or not.
Speaker 2 (36:07):
I think it depends on the jurisdiction because you're allowed
to swe up to ten thousand dollars and they can
defend I believe, virtually.
Speaker 1 (36:16):
And I've got to find out the rules on that
one because things have changed all over the place.
Speaker 2 (36:20):
But I think there are gonna be some issues there,
and I think I can see where you're going. But
when you're dealing with a tile coming from out of
the country, where there are variations anyway, and if there
is a documentation, if on that contract it said variations
may occur.
Speaker 1 (36:39):
Boom, you're done. There's no place to go. I mean
no place. Now.
Speaker 2 (36:45):
Let me talk about your privacy. I know what's your
privacy is about. You don't have any Everything about you
is available online. Your home address, where you work, where
you bank, what you buy, where you buy it, records,
accident history, DMV information, credit score. I mean that list
goes on forever. It's all out there online and it
(37:08):
is not.
Speaker 1 (37:09):
Hard to get.
Speaker 2 (37:10):
And because your information is out there and easy to get,
it is collected by hundreds of data brokers. They then
sell it to anybody who wants to buy it, including
bad guys, and you are super vulnerable. There it goes
your privacy, not that you've ever had any Well, this
is where Incogni comes into play. When Incogni does is
(37:31):
contact hundreds of these data brokers that have grabbed your
information and legally demand your information be deleted, which they
have to do now before the show. Every single time
I log in my Incognita account and I look with
Incognita has done for me, and there it is. Hundreds
of removal requests have been completed, hundreds more are in progress.
(37:51):
In cognity, sixty percent off and use my name handle
go to incognit dot com slash handle I ncogi. In
cogni dot com slash handle, this is about protecting yourself.
In cognity dot com slash handle. This is handle on
the lot.
Speaker 1 (38:10):
You've been listening to the Bill Handle show.
Speaker 2 (38:12):
Catch my show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app
You're list Saints KF I AM six forty.
Speaker 2 (00:03):
The bill handles show on demand on the iHeartRadio f
This is handle on the law marginal legal advice where
I tell.
Speaker 1 (00:13):
You you have absolutely no case.
Speaker 2 (00:16):
The Supreme Court fight that President Trump had on the
birthright citizenship. As you know, the president and I mean
for decades, has been arguing that there should be no
birthright citizenship.
Speaker 1 (00:30):
Fourteenth Amendment of the Constitution simple.
Speaker 2 (00:32):
Simply says, anybody born in this country is a citizen,
notwithstanding any other reason. It doesn't matter why someone is here.
If they're born here, they're a citizen. Well, the President's
position and others say that if you have a child
born of illegal immigrants, then birthright citizenship does not occur.
Speaker 1 (00:54):
And a lot of countries in the world have that position,
take that position. So that went up.
Speaker 2 (01:01):
This was an executive order that President Trump signed his
first day of his second term, and so as we
would expect, that went up to the Supreme Court. Actually,
I have a surprise Supreme Court even took it because
the appeals court, the lower court said no. The appeals
court said no to Trump, and I don't know why
the Supreme Court said yeah, Well, we'll take it up,
(01:23):
maybe to make a definitive statement.
Speaker 1 (01:26):
You never know why the court takes up the case.
Speaker 2 (01:29):
So they decided to take it up, and the Court
said sixty three said, if you look at the Constitution,
it's pretty clear anybody born in the United States is
a citizen. The Fourteenth Amendment, the first line of the
Fourteenth Amendment, Section one says that anybody born here is
a citizen. And the interesting part about this, at least
(01:52):
in my opinion, because I thought this was going to
be unanimous, I mean, it's so clear cut is the
President had three Supreme Court justices that agreed with him,
and the argument was, if you look at the Fourteenth Amendment,
it was historically passed to enfranchise African Americans, black people
that heretofore were slaves, and to simply say there is
(02:16):
no such thing as slavery. I mean, it ended slavery,
and anybody born in the United States was basically everybody
at that time was a citizen. So I didn't get
the Supreme Court taking it up for starters. I didn't
get how three justices agreed with President Trump and it
was a given that he was going to lose. So
now what's he going to do as a result of this, Well,
(02:37):
he is calling on Congress to pass the law banning
birthright citizenship. You know where that one's going to go.
No place. I mean this is you know, some of
the stuff Trump does has validity to it. His legal positions.
You may not agree with them, but they're valid. This
(02:57):
one is ridiculous for him to after the Supreme Court
has upheld the language of the Fourteenth Amendment, to then
say to Congress pass a law banning birthright citizenship. You
know what, There's one way to do it, and that
is to pass a constitutional amendment, which ain't easy to do.
(03:19):
Three quarters of the state legislatures or three quarters of
Congress or two thirds of the state legislatures. I mix
those two up, I conflate those. But that's not going
to happen. It's not going to happen at all. Okay,
let's take some phone calls. D Hello, D welcome, Hello sir.
Speaker 3 (03:39):
Yeah, a question. I worked for a pretty much large
one of the large hardware companies. I've been there for
four years. I've worked part time. I made a complaint
to HR about an individual who's a team leader. I
just could say about his bo his religion does not
believe you in de orderant or clean hygiene. This has
been going out four years.
Speaker 1 (03:59):
What Yeah, I'm just curious what religion is that Muslim.
Muslim they don't believe in clean hygiene.
Speaker 3 (04:09):
That's what he told a jump, and that's why they
don't do nothing. He's been there for five years or
six and I google it and I did find something that,
like you said, they do believe highly cleaning this.
Speaker 1 (04:19):
Of course they believe in cleaning us.
Speaker 2 (04:22):
Yeah. So yeah, I mean the guy's lying to you.
He's just clearly saying that. So he doesn't have to shower,
or use armpit theodoro or brush his teeth.
Speaker 1 (04:32):
Yeah, go ahead, right.
Speaker 3 (04:34):
I took it to HR because after four years looking
at I mean even customers look for play like they
look at me it was me And I said no,
I found offense that they thought it was me, and
they said they talked to the assistant manager. This was
about two weeks ago, and then two days later I
have to work with the individual again and nothing changed. Well,
on my new schedule, the a couple of hours for
(04:55):
the next week, I don't work at all, even though
in part time I'm not scared pretty out.
Speaker 1 (04:59):
Oh okay, and you're trying to connect.
Speaker 2 (05:01):
You're trying to connect, you complaining about his BO to
your hours being cut?
Speaker 1 (05:06):
Is that correct?
Speaker 3 (05:08):
I see that because if nothing was done, nothing over,
I understand.
Speaker 2 (05:12):
And that may be, by the way, that may be legitimate. Uh,
And it could be one of several things. And the
first thing that comes to mind is he is considered
so valuable to the company they just sort of suck
it up and allow him to do that for whatever reason.
The other thing I can think of is his supervisor
has even stronger BO than he does, so he's not
(05:36):
going to be offended. And if you go up the line,
maybe the BO factor increases all the way up, maybe
to the president of the company that can't walk in
a room without people literally going unconscious. I don't think
that's the case, but they could. What state are you at?
Are you in California? No, sir, in New Mexico? Okay,
(06:00):
I don't yeh see, that's what happens all the time.
All I can say is that if New Mexico, and
probably New Mexico's like California, though we're considering California is
a liberal state and it's not in this regard is
they can fire you for any reason. And if they
come up with we just don't like him, he complains
(06:20):
his attitude is such that D is not a team
player and the other one is a team player. There's
not much you can do about it. There really isn't,
you know, get a job someplace else, or you can
sink even more than he does.
Speaker 1 (06:37):
Don't shower for a month and see what they do.
Speaker 2 (06:41):
Then you talk about wait a second, they're forcing me
to shower, but not forcing him to shower, but saying that,
you know, I'm a Muslim and I don't have to,
you know, take care of myself in terms of personal hygiene.
Speaker 1 (06:57):
I don't think.
Speaker 2 (06:57):
So talking about well, let's not talk about privacy, but
talking about you being injured. If you have been injured,
let's say you got in a car accident or you
have a slip and fall and all of a sudden boom,
you have to figure out what to do and it's
not your fault. Well, I'm going to suggest you contact
a lawyer, because the only thing you can get from
(07:19):
that accident is money.
Speaker 1 (07:20):
That's it.
Speaker 2 (07:21):
And so you probably, I'm sure I want to maximize
the amount of money you could get because it's a
real hassle, and you know who wants to be unrepresented
underrepresentative and not get the money that you should get.
And this is where handle on the Law dot Com
comes in. These are lawyers who represent you. There's no
money up front. They take a percentage of what you
(07:44):
get of the settlement if they don't settle, no money.
And what they do is deal with insurance companies that
are experts at not paying you money. That's what they
do is don't pay you. Handle on the Law dot
COM's attorneys do get you money. House called eight eight
eight eight eight eight eight six six eight. That's eight
(08:04):
eight eight eight eight eight eight six six eight. Visit
handle on the Law dot com. This is handle on
the Law. This is handle on the Law Marginal legal
advice where I tell you you have absolutely no case.
Speaker 1 (08:25):
Uh raboo? Do I have that right?
Speaker 2 (08:27):
Yes?
Speaker 1 (08:28):
All right, raboo? Where's that from? That's an interesting name. Romania,
Oh Romania? Okay, rob the Romania? All right, fair enough?
Speaker 4 (08:37):
Yes, all right, I'd be sure because I know I.
Speaker 1 (08:40):
Know your patient runs run short. So it runs very.
Speaker 4 (08:45):
Container from this company, right, And the container was the
sort of water it got rusty, and I asked for replacement.
They send me a replacement, and the replacement got rusty too,
so I asked for my money back. They said they're
gonna send me the money back, and they go to
me for a few months, and when I reached out
to them again, they said, it's too late to send
you the money.
Speaker 2 (09:05):
Okay, so let me ask you this. Okay, hold on,
hold on, I get it. They're just trying to get
out of it. Let's start with how much money was
this this water thing?
Speaker 4 (09:15):
It was one hundred and twenty bucks.
Speaker 1 (09:17):
Okay, one hundred and twenty dollars.
Speaker 2 (09:19):
Where is this company located Florida?
Speaker 5 (09:23):
For?
Speaker 6 (09:23):
You?
Speaker 1 (09:24):
Don't even pretend you're going to get your money back?
Speaker 5 (09:27):
I understand, Thank you so much. Okay.
Speaker 2 (09:29):
It's not not that they don't use it's not that
you don't deserve it.
Speaker 1 (09:33):
I mean, you do you know.
Speaker 2 (09:35):
They sell you a defective product costing one hundred and
twenty dollars.
Speaker 1 (09:37):
It doesn't work.
Speaker 2 (09:38):
I want my money back, and they say, of course,
and they did the right thing.
Speaker 1 (09:42):
They sent you.
Speaker 2 (09:45):
A replacement and that went south.
Speaker 1 (09:48):
So you're entitled your money back in Florida. What do
you do?
Speaker 5 (09:55):
Well?
Speaker 1 (09:56):
You suck it up where you serve rusty water? What
the hell the you care?
Speaker 2 (10:00):
You know it's someone else's drinking it, Just don't you
drink it. Hey, Doug, welcome to handle on the law.
Speaker 5 (10:09):
Hi.
Speaker 7 (10:09):
Bill, Yes, it's my pleasure to talk to you for
the third time now, Oh happening. I'm calling because I
have an issue and I know you know a little
bit about credit. I financed a brand new truck several
years ago to try to get my credit back to
where it should be after an embezzlement. My credit was
(10:30):
from the eight hundreds down to five something. Anyway, long
story short, I have a truck payment that I made
for six years and I had a couple of questions
during the course of the loan and called and said,
it didn't seem like you're applying my loans right. I
end up with getting a refund check for twenty four
(10:50):
and twenty dollars out of the blue. They sent it
to aug in Michigan. It took me six months to
get that resolve. Long story short, after I thought the
truck was paid off, I called them, more's my pink slip?
Oh you still owe one more payment? Well, I paid
them just to get the pink slip and they said
there will be no charge off. They charged off two
(11:10):
hundred and ninety seven dollars and ruined my credit one
hundred and seventeen points.
Speaker 1 (11:16):
Wow, okay, okay.
Speaker 7 (11:18):
And then in the meantime, I have received six checks
since I've had my pink slip over the course of
eighteen months. Last week we throw over five.
Speaker 1 (11:26):
Thousand dollars that they have sent to you.
Speaker 7 (11:30):
Yes, I have received a total of ten checks from
on a car loan for their errors and they they
say we're sorry, and then we add extra interest for
your inconvenience. Now I called the TransUnion and they said,
you don't have anything on our record.
Speaker 1 (11:48):
With it's disappeared.
Speaker 7 (11:51):
Okay, so file for claim for for monetary damages for
a second.
Speaker 1 (11:57):
Hold on a minute.
Speaker 2 (11:58):
IFIEL don't have anything with TransUnion, then your credit should
be fine.
Speaker 1 (12:02):
So maybe I'm missing something here.
Speaker 7 (12:05):
Well, no, but you have you want to show on
your credit that you actually had had an installment loan
and you paid it satisfactorily.
Speaker 5 (12:11):
That helps your credit.
Speaker 2 (12:12):
And they don't get okay, So okay, so they don't
you did that and you don't have it, they don't
show it on the credit report.
Speaker 1 (12:22):
How does that negatively affect your credit?
Speaker 7 (12:26):
It negative affects my credit because it's better to have.
Speaker 1 (12:29):
No I understand. So how does that negatively affect your credit?
Speaker 5 (12:32):
I get it.
Speaker 2 (12:33):
If I have four loans and it shows only three loans,
and the four and the three loans are timely, my
credit's not going to be affected whether or not the
loan shows or not. Now, if the loan shows that
I'm not paid it, that's a problem. If it shows
a charge off, that's a problem.
Speaker 1 (12:49):
But what you're.
Speaker 2 (12:49):
Saying is that it doesn't even exist the fact that
you had a loan. Okay, I grant that from what
I understand. If I get it correctly, you had a loan.
That doesn't show that had a loan. How is that
negatively affect your credit?
Speaker 7 (13:03):
It negatively affects my credit for future borrowing because it
shows that I have no proof that I've had any
installment loans?
Speaker 2 (13:09):
Is that the only is that the only loan that
that existed in your life?
Speaker 7 (13:16):
No, No, I had nine hundred thousand dollars mortgage on
my house.
Speaker 2 (13:20):
Okay, So that shows you, okay, and that shows that
you pay timely. How does the credit change credit. Okay,
here's that, Doug. Doug, we're missing something here. The fact
that that credit report or that indication that you did
pay it correctly. Uh, the fact that it's not there.
(13:40):
How many points does that cost you?
Speaker 7 (13:44):
I'd one hundred and some points because they never report
it correctly that I was current the whole time.
Speaker 1 (13:51):
They didn't. Really, well doesn't it doesn't exist now.
Speaker 5 (13:54):
I know.
Speaker 7 (13:55):
But that doesn't help me because it would help me
if they if that's that's why people say to get
an installment loan it helps your credit.
Speaker 2 (14:02):
Oh, I understand, but how do you know how much
it's going to help? You said one hundred and seventeen points.
Well that was the embezzlement. So let me ask you this. No, no,
it would help your credit. How much would it help
your credit?
Speaker 7 (14:15):
I think one hundred points?
Speaker 1 (14:17):
You think it's gonna What is your credit report? What
is your credit score?
Speaker 5 (14:19):
Now?
Speaker 7 (14:21):
It's about six seventy and it was seven to seventy.
Speaker 2 (14:25):
It was seven seventy. At what point is it before
they eliminated it?
Speaker 7 (14:30):
No? No, the moment, the moment they said that I
when I settled with them to give a pink slip,
that's all I really wanted was a pink slip, And
they said, okay.
Speaker 1 (14:42):
No, I understand that. I get it. You make the payment,
you made the payments, they send.
Speaker 2 (14:45):
You a pile of money, and they've removed your existence
from the credit report. I get it, okay, And you're
saying I want it brought back to show that I
make a timely payment. Okay, I understand that the fact
that you took it off cost me one hundred and
seventeen points. How do you prove that? How do you
know that that's what costs you one hundred and seventeen points?
Speaker 7 (15:07):
They tell you, show, I can show that from the
credit agency when they reported it that it was a
charge off.
Speaker 1 (15:17):
But it doesn't exist anymore. But it doesn't.
Speaker 7 (15:19):
Exist, I know, but it never came back up.
Speaker 1 (15:23):
Well, that's a different issue. That is a whole different issue.
Speaker 2 (15:28):
And then you want to find out I don't have
any negative credit. What am I only doing with a
six hundred or a seven hundred? I don't have any
negative credit? What are you guys doing?
Speaker 1 (15:38):
What credit is?
Speaker 2 (15:39):
Show?
Speaker 1 (15:39):
Let me ask you, what do you do? You have
other credit? Doug?
Speaker 7 (15:44):
Yes, I do, okay, And you've paid all.
Speaker 1 (15:46):
Of it and all of them are current.
Speaker 2 (15:49):
One, then how do you lose credit when all of
your credit is great? And then you have one creditor
that just removes you completely, so it never existed. So
let's say you have six accounts, six credit accounts where
you're scoring big, and one of those eliminated. It was
(16:14):
even negative and it was eliminated. Now only you have
five perfect payment records, and somehow that has cost you
one hundred and seventeen points.
Speaker 1 (16:23):
You got me on that one.
Speaker 7 (16:24):
Doug, Well, nobody, it's never gone back up.
Speaker 1 (16:27):
That's a different issue. I understand that.
Speaker 2 (16:29):
Now you get to work with them on that one,
because what are you gonna and what are you gonna do?
Speaker 1 (16:34):
Hire a lawyer?
Speaker 7 (16:36):
Well? No, then wells Fargo asked, if I want to
mediate this for additional funds.
Speaker 1 (16:42):
Yes, mediate it.
Speaker 2 (16:43):
Do whatever you can sit down in front of anybody,
of course, of course, But you know you made no sense.
But then, how unusual is that? Now you've heard me
talk about privacy online. I just did that with a
previous caller. There's no such thing as privacy online. Doesn't exist. Everything,
I mean, everything about you is out there is available.
(17:04):
Your home address, where you work, where your bank, what
you buy, where you buy it, cord records, accident history,
insurance information. Let me go on and on DMV information,
credit score, social media. I could go on for an
hour on that one. It's all out there, all very
easy to get. And let me tell you that your
information is then collected by hundreds of data brokers and
(17:27):
then it gets sold to anyone who wants to buy it.
And your privacy, well it doesn't exist, so your data
is being sold sold out there to bad guys. Even so,
this is where Incognate comes into play and fights back.
What they do is they contact hundreds of these data
brokers and legally the man your information be deleted and
they have to delete. That's what incognate does, and before
(17:50):
the show today, I do it every time I do
this show. I logged onto incognate my account and hundreds
of removal requests have been completed, hundreds more are in progress.
That's in Cogny sixty percent off. When you use my
name handle, go to incogny I N C O G
N I in cogny dot com slash handle. That's in
(18:12):
cogny dot com slash handle. This is handle on the law.
Speaker 1 (18:17):
You're listening to bill handle on demand from KF I
am six forty.
Speaker 2 (18:23):
Welcome back handle on the law marginal legal advice. Kim, Hello, Kim, welcome, Yeah,
Kim out there. Yes, okay, yes, ma'am. What can I
do for you?
Speaker 6 (18:38):
Okay, I'm going to try to condense this as much
as I can. So, my father had a living trust,
right and me and my sister were in it.
Speaker 5 (18:47):
I was the executor. He had passed, and I asked.
Speaker 6 (18:50):
The lawyer during the time that we were reassessing the
trust to I want my own trust after my dad's
is dissolved.
Speaker 5 (18:59):
So he hold on a minute.
Speaker 2 (19:01):
So you're the trustee, okay? And does the trust call
for you and your sister to split the proceeds of
the trust or split the uh split the balance that's
in the trust?
Speaker 5 (19:16):
Yeah, fifty to fifty between me and okay, And.
Speaker 1 (19:18):
You are the trustee, correct I was?
Speaker 5 (19:22):
I mean, yes, he's passed, but yes, I don't understand that.
Speaker 2 (19:24):
Still makes you the trust I mean if you have
the money been just have the money?
Speaker 1 (19:29):
Has the money been distributed yet?
Speaker 8 (19:31):
Yes?
Speaker 1 (19:32):
Okay? And you distributed it to your sister and yourself.
Speaker 5 (19:37):
Right, I got property, she got money, Okay.
Speaker 1 (19:39):
But that was in the trust.
Speaker 2 (19:40):
Right, it was all specified in the trust, yes, or
the two of you agreed, all right, So now money's
been distributed, you were the trustee.
Speaker 1 (19:48):
All of it's gone.
Speaker 2 (19:49):
Trust is gone to If there's no more money in
the trust, trust issolves.
Speaker 1 (19:52):
There's nothing there. So what is your question? Okay?
Speaker 6 (19:56):
I wanted a trust of my own so I can
keep my right. So he created what he called the
sub trust, and my dad's name says, you know, the
trustee of my name created under my dad's name on
a certain date. And I realized I never got paperwork
after Okay, Kim, Kim, something is not making sense here.
Speaker 1 (20:19):
Let me explain why.
Speaker 2 (20:22):
If you and your sister were the beneficiaries under the trust,
then I don't understand which this sub trust is unless
the sub trust is also a beneficiary.
Speaker 5 (20:38):
Okay, I don't understand that. That's why.
Speaker 2 (20:40):
Okay, here it is. Here's the trust, Dad dies, the
trust is. Here's what I want to do. This is
dead dad, who's now talking. Here's what I want to do.
I have two daughters, and I want the money to
go there and to be split between the two of them.
Speaker 1 (20:57):
One of my daughters is the trustee.
Speaker 2 (21:00):
So the trustee, you did a good job and split
the money according to the terms of the trust. So
all the money from the trust is now gone.
Speaker 5 (21:11):
Right, Yes, where.
Speaker 2 (21:14):
Is a sub trust come into? I have no idea
where even a sub trust is involved here.
Speaker 6 (21:21):
Right, That's what my question is is like I wanted
my own trust created.
Speaker 2 (21:26):
Well, that's that's totally wait wait wait, wait, that's totally separate.
Speaker 1 (21:28):
You have the money, you can do whatever the hell
that you want with the money.
Speaker 2 (21:31):
You can do a trust, you can invest it in
you can invest it in popsicle sticks.
Speaker 1 (21:36):
It doesn't matter.
Speaker 2 (21:38):
But you know I'm getting a trust has nothing to
do with receiving money under your dad's trust.
Speaker 1 (21:45):
It's two separate things. You can do whatever you want
with your money.
Speaker 2 (21:47):
Trust, no trust, leave it to charity, give it to
your friends, it doesn't matter.
Speaker 5 (21:53):
No, I get that.
Speaker 6 (21:54):
But because I have property, I want to put the
property in my trust.
Speaker 3 (21:59):
For what you do?
Speaker 2 (22:00):
You create a fine, you create a trust and put
the property in your trust.
Speaker 1 (22:04):
It has nothing to do with your dad's trust.
Speaker 5 (22:06):
Your dad's trust is right, why did he create a
s I.
Speaker 1 (22:09):
Have no idea.
Speaker 2 (22:10):
But if there's no money, if there's no money, there
then it doesn't matter. He could create ten thousand trusts
and there is no money in the trust, which means
there's nothing to be distributed.
Speaker 5 (22:21):
And according to what you said, reason for him, No.
Speaker 1 (22:25):
There's no reason.
Speaker 2 (22:26):
Unless he said, a part of my money goes into
this trust, into a separate trust, you can always leave.
You can write a trust where money goes into another trust.
You can do that all the time, and the second
trust becomes a beneficiary. For example, what your dad could
have done is say I want it split three ways.
I want it split between my two daughters and this
(22:48):
trust that exists out there too.
Speaker 1 (22:51):
I want the money to go into that.
Speaker 2 (22:53):
But if there is no money to go into that,
because you've already taken all of the money out of
the trust and split it between you and your system, or.
Speaker 1 (23:00):
It's over, it's done.
Speaker 2 (23:02):
And then separately, you take your money and write a
trust with it, put your money in trust.
Speaker 1 (23:06):
You can do whatever the hell you want.
Speaker 6 (23:08):
Yeah, okay, because he's saying that, oh, it was created
because it was to protect the assets that you inherit it.
Speaker 2 (23:15):
No, No, it doesn't protect any asks unless the money
went into a separate trust of which hold on Unless
the money went into a separate trust of which the
two of you are beneficiaries, which I think you can do.
But since the money is all gone and you distributed,
you can have all the sub trusts you want.
Speaker 1 (23:32):
And who's telling you this? A lawyer?
Speaker 5 (23:35):
The lawyer that help?
Speaker 1 (23:36):
Yeah, okay, I don't I don't understand. I don't get it.
Speaker 2 (23:39):
You want to tell the lawyer and ask where what
does the sub trust mean? There is no money at all,
it's all gone. What tell me why we need any
other trust? That's what you want to ask.
Speaker 1 (23:55):
That the lawyer wants to write. Okay, does the lawyer
want to write a sub true?
Speaker 5 (24:01):
He's saying he did, And I said, well, okay.
Speaker 2 (24:04):
Hold on, he said it is okay, he said he
wrote a subtrust correct, Yeah, okay?
Speaker 1 (24:10):
And what is it? And how much money does he
want for the sub trust?
Speaker 5 (24:14):
It was part of the cost.
Speaker 2 (24:18):
It makes Kim, I'm telling you none of this makes sense,
at least to me. I'm not a trust attorney. But
the way I understand trusts is here. It is I
want my daughters to have all the money. And by
the way, here's a sub trust of which is going
to get no money.
Speaker 7 (24:34):
Yeah.
Speaker 2 (24:37):
Yeah, So I don't think there's an issue there unless
I'm wrong. And you can email me, and lawyers email
me all the time and say Bill, you were wrong,
and I always emailed back. I don't care. Now, I go, well, uh,
I wouldn't have done it that way. I go out
and get a radio show. Leave me alone.
Speaker 1 (24:55):
You handle it.
Speaker 2 (24:56):
You know, I'll get you know, you know what I do. Actually,
and this I actually you and lawyers come up to me,
your judges and say, you know you were wrong here,
you were wrong there? And I say, get a radio show.
And I go further than that. I said, you know what,
you record a segment and send it to me, and
I will send it to my program director, who I
(25:17):
promised you will listen to it and they'll give you
a radio show or my program director will. So in
the meantime, leave me alone. But let me tell you
what was not easy for me. I put my mom
into an assisted living facility before she died, and I
didn't know where to go. I mean, literally, what do
(25:40):
I know from assisted living facilities? Where are the good ones?
So I ended up putting one near my house conveniently,
and it didn't work out at all.
Speaker 1 (25:47):
It was horrible.
Speaker 2 (25:48):
So I had to get another one, and I put
her in that one, and that one barely worked out.
I didn't know where to go. So do you know
where to go if you're going to put your senior
loved one into an assisted living facility? I'll bet not.
SLC Placement is a company that helps you find that
excellent caring environment and you pay, don't pay for this.
Speaker 1 (26:07):
It dramatically reduces the amount of time that it.
Speaker 2 (26:09):
Takes to search, evaluate, decide which would be the best.
And this is serious stuff because you're looking at spending
six to eight to nine thousand dollars a month. Uh,
and what are you gonna do? Live closer to Okay,
it's a good reason. Maybe it's on you as far
as family is concerned. Yeah, that's a good reason. But
making it happen is not easy. I mean, you're being
(26:32):
a good person.
Speaker 1 (26:33):
At least.
Speaker 2 (26:34):
Let SLC Placement help you out referring you to the
right home for your loved one. And again that costs
that referral is zero cost to you, and you're gonna
appreciate the help of SLC Placement when the cot when
the time comes, maybe it's now, SLC Placement dot com.
That's slc placement dot com. You can call a d
(26:55):
eight eight two three three sixty nine forty eight eight
eight two three three six slcplacement dot com. This is
handle on the lone Welcome Back Marginal Legal ad Vice
where I tell you have no case.
Speaker 1 (27:14):
Oh, let me see uh Lena, Hello, Lena, welcome Hi.
Speaker 9 (27:21):
How are you?
Speaker 5 (27:21):
Thank you?
Speaker 2 (27:22):
Yes?
Speaker 9 (27:22):
Sam, So, we purchased a truck only had seven hundred
miles on it. We purchased it in Arizona, but we
you know, we're living in California, and the truck went
out of control and we were staying with an ant
who live on two acres, so they have cameras and
(27:46):
the cameras caught the accident and you can see that
the break lights are on and the truck still could off.
We reached out. They had me send them all these
photos and a big packet of every thing. And the
truck airborne and landed in the neighbor's school. But we
(28:08):
have tried to get lawyers and no one wants.
Speaker 1 (28:10):
Who was anybody injured? Lena.
Speaker 9 (28:14):
So, my honey did not die, did not use a
land but he was in the hospital for three days.
He had seven fractured ribs and then his left hand
and that's it. And that's what they said.
Speaker 2 (28:26):
Yeah, okay, here's why no lawyer is going to take that.
That's an easy one because you're going against for a defect,
a manufacturing defect. They don't just roll over on those,
and they don't settle those usually because their position is
(28:47):
maybe they'll settle, but it's you're up against lawyers and
their attorneys who are arguing, it wasn't it was you,
you did something wrong.
Speaker 1 (29:00):
It wasn't.
Speaker 2 (29:01):
It's I have tell you it.
Speaker 1 (29:03):
It's no fun. That's why I'd rather.
Speaker 2 (29:07):
I'd rather have your spouse or partner have lost a
leg or two or maybe maybe even a leg er
two and an arm. That makes that that gets easier
to get an attorney. Yeah, that's legally the right handed
or left handed?
Speaker 1 (29:25):
Is uh? Are you married, by the way or no?
Speaker 2 (29:30):
Okay, all right, what's your what's your partner's name? Robert?
Speaker 1 (29:36):
Okay?
Speaker 5 (29:36):
So?
Speaker 1 (29:37):
Uh, it's is Robert? Left handed or right handed?
Speaker 9 (29:42):
Right handed?
Speaker 1 (29:43):
Okay, So we should have.
Speaker 2 (29:44):
Lost his right hand because that is even a better
case because of you know, eating and uh, you know,
hitch hiking and all of that. You know, it just
makes for a better case. But since he did marbled
and hurt, he wasn't hurt all that much. Uh, you
got a you may just have to turn it over
to your insurance and just pick up on your insurance.
(30:05):
I'm assuming you have a comprehensive insurance. You would have
to almost for a new car, all right, And we did.
Speaker 9 (30:14):
And the thing is that we were living with his aunt,
so he bought he paid out of pocket all the
damage that happened on her land and he only had
fifty thousands.
Speaker 1 (30:26):
Really how much how much damage to her land?
Speaker 9 (30:30):
I would say, I don't know, like twelve thousand.
Speaker 1 (30:34):
Twelve thousand, and then the value of the car. All right.
Speaker 2 (30:37):
Two things Number one, if no lawyer is going to
take it, and I can see why you're really stuck
between a rock and a hard place. Also, it's a
really good lesson that you get much more than fifty
thousand dollars worth of coverage. And I do this over
and over and over again when I tell people my
(30:58):
coverage is fifty five hundred, two hundred and fifty five
hundred thousand for multiple and I have an umbrella policy
on top of that, just in case I run through
a bunch of kindergartener kindergarteners in a crosswalk because I
don't want them going after me.
Speaker 1 (31:16):
And I have to declare bankruptcy.
Speaker 2 (31:19):
So at this point, and you went through the insurance
and you got I'm assuming they paid out the fifty grand, right, yeah, yeah,
I don't know where else you go on this one.
And by the way, accepting that, I don't think you
can get more money, because I believe they probably said no.
Speaker 1 (31:37):
You can still go. You can still have to a
third party.
Speaker 2 (31:40):
You can go beyond what your coverage is because it's
not the other party suing you.
Speaker 1 (31:45):
Yeah. Yeah, I can see the problem.
Speaker 2 (31:47):
The only answer is lots and lots and lots of insurance.
Speaker 1 (31:53):
Linda, Hi, Linda, welcome.
Speaker 8 (31:58):
I did a kitchen remodel and I chose a Mexican
Salteo tile from an example I saw on a tile
company website in Texas, and I followed the instructions on
how to do the install and steal the tile and everything.
And you know, this was probably a year and a
(32:18):
half ago or so, and I sent uh and there
was delays in the install because of you know, the
order of how they wanted to put the floor in
in comparison to the uh cabinetry and all that. But anyway,
so I spoke to I sent some pictures because it
started to change or look just didn't look like the
(32:39):
pictures that I saw on their website as far as
like the the natural.
Speaker 2 (32:43):
Okay, the tile itself had tile. You have the tile
physically at your home? Did you install it?
Speaker 5 (32:51):
Yes?
Speaker 1 (32:52):
Okay? Good?
Speaker 5 (32:53):
And installed all right?
Speaker 2 (32:54):
And uh the and what ended up what was wrong
here was not the installation. It was simply the tile
simply changed color.
Speaker 8 (33:04):
Right, It just looks very odd.
Speaker 1 (33:07):
It looks that way when you installed it.
Speaker 5 (33:12):
Well, it.
Speaker 8 (33:15):
Because of my I guess passivity and thinking that it
was in some areas of the tile it's supposed to
look that way, like a natural look.
Speaker 1 (33:26):
So some areas did.
Speaker 8 (33:27):
In some areas did it seem like it has?
Speaker 2 (33:30):
In some areas it looked like it was supposed to
look in some areas did not.
Speaker 1 (33:35):
Is that correct?
Speaker 2 (33:37):
Right?
Speaker 7 (33:37):
Exactly? Okay?
Speaker 6 (33:39):
So I.
Speaker 8 (33:42):
Sent them some photographs of the sections of the tile
after the install in in a in an email, I
sent them some pictures of what I wasn't happy with,
and she sent me back a reply saying, oh, you know,
it's so it's a natural.
Speaker 1 (34:01):
Look, Okay, what's okay? So, Linda, what's your what's your question?
Speaker 8 (34:08):
Well, I mean, even though it's been all this time
that's passed, is there some way I do you think
that I have some type of Okay, how when you say.
Speaker 1 (34:16):
All this time? How long has it been, Linda, it's.
Speaker 8 (34:20):
Been since the the actual install has probably been like
a year and a half.
Speaker 2 (34:26):
No, you're fine, that's uh. No, you're well within the statute.
Is uh the is the tile? Are you in California
and the tile companies in Texas?
Speaker 5 (34:36):
That's correct?
Speaker 1 (34:37):
Okay, did they ship the tile to you?
Speaker 5 (34:41):
Yes?
Speaker 1 (34:42):
Okay. The issue here is not the possible breach.
Speaker 2 (34:46):
I mean, it sounds like it could be a breach,
although they're going to argue you didn't complain.
Speaker 1 (34:51):
You should have complained.
Speaker 2 (34:52):
I mean, there's all kinds of issues here, but that
the problem is they're in Texas and you're here, right,
and you get to hire a lawyer in Texas?
Speaker 1 (35:02):
How much money was this installed, Linda?
Speaker 5 (35:08):
Between the tile and probably ten thousand dollars?
Speaker 2 (35:12):
Yeah, well, okay, do you have a breach on your hand?
Speaker 1 (35:20):
Yeah?
Speaker 2 (35:21):
The argument's going to be on their side need to
be the devil's advocate.
Speaker 1 (35:26):
You when they installed it.
Speaker 2 (35:28):
Before they installed that, you knew the titles were different colors.
Why were you installing it then? Why didn't you complain
at that point? Question number one. The other question is,
and I'm willing to bet somewhere on their website, there
has to be a disclaimer that says there are variations entile,
particularly in a Mexican tile coming up because they're not
(35:50):
even manufacturing in the United States.
Speaker 1 (35:52):
That there has to be some variation and you accept that,
and I'm just assuming that's the case.
Speaker 2 (35:58):
But you can try suing them in small Claims court
and serve them in Texas.
Speaker 1 (36:05):
And it's sort of up in the air whether you
can do that or not.
Speaker 2 (36:07):
I think it depends on the jurisdiction because you're allowed
to swe up to ten thousand dollars and they can
defend I believe, virtually.
Speaker 1 (36:16):
And I've got to find out the rules on that
one because things have changed all over the place.
Speaker 2 (36:20):
But I think there are gonna be some issues there,
and I think I can see where you're going. But
when you're dealing with a tile coming from out of
the country, where there are variations anyway, and if there
is a documentation, if on that contract it said variations
may occur.
Speaker 1 (36:39):
Boom, you're done. There's no place to go. I mean
no place. Now.
Speaker 2 (36:45):
Let me talk about your privacy. I know what's your
privacy is about. You don't have any Everything about you
is available online. Your home address, where you work, where
you bank, what you buy, where you buy it, records,
accident history, DMV information, credit score. I mean that list
goes on forever. It's all out there online and it
(37:08):
is not.
Speaker 1 (37:09):
Hard to get.
Speaker 2 (37:10):
And because your information is out there and easy to get,
it is collected by hundreds of data brokers. They then
sell it to anybody who wants to buy it, including
bad guys, and you are super vulnerable. There it goes
your privacy, not that you've ever had any Well, this
is where Incogni comes into play. When Incogni does is
(37:31):
contact hundreds of these data brokers that have grabbed your
information and legally demand your information be deleted, which they
have to do now before the show. Every single time
I log in my Incognita account and I look with
Incognita has done for me, and there it is. Hundreds
of removal requests have been completed, hundreds more are in progress.
(37:51):
In cognity, sixty percent off and use my name handle
go to incognit dot com slash handle I ncogi. In
cogni dot com slash handle, this is about protecting yourself.
In cognity dot com slash handle. This is handle on
the lot.
Speaker 1 (38:10):
You've been listening to the Bill Handle show.
Speaker 2 (38:12):
Catch my show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app
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