The Troubleshooter 5-30-24

Yeah, ripped news. Didn't need ad that's who you don't have. Come running just as fast as we can. Show Shooter's gonna help come Man Dix is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven to one three talk three all three seven one three eight two five five. Welcome to the show. John Fuller's with me today. Fuller Law plus just a good all around nice guy and bottle washer. And we also have your calls to talk about. And

man, has this show gone off the hook lately? And I am so happy to talk about one follow up? And I will salute the Adams County District Attorney's Office and yes, Brighton Police Department. But no, hold on, now there's some qualification there if you recall this case, Oh my god, it was un believable. We'll talk about this, the stolen truck, the guy found at the courthouse, blah blah blah. And then what about

this murder trial. One guy, supposedly completely innocent, just shows up to get furniture and he's attacked and he kills the guy with a gun which he didn't own. He says he didn't know where it came from. The brother the guy was killed. We're working on that one. And then we have a lot of other things going on now, Kachina, to bring you up to date. We had a guy we ended with with TAXI. Let's try to get some of our tax people on. Remember Tony, did you get

his information so we could call him back? And then also we have I want to get Brooke on from the solar company because we have a solar issue on the line. Plus she actually worked on two other solar problems that I think are solved. So is this thing working? Hello? Anybody hear me? Could Sheena hear me? No? Okay, Shannon, can you relate that information to her? I will do what I can, but that's a thick candy coating our tax expert. Please. And then what else? Hard

to say? Solar Brooke? Okay, I'm going to put it down on call notes. Okay, no, I'll call it under show notes. Anyway, Welcome to the show. Three zero three seven one three talk Now, another thing I want to talk about. I got new romantic lighting on mood lighting. Now I toned it down a bit. Now, my YouTube morons, you're never going to admit I look good. But how about if you can admit it looks better than the previous lighting or whatever. I digress.

Let's go to the phones. Threeho three, seven to one three talk Jeanette. You have a solar issue, and we're going to get Brooke on from Red Rocks Solar, A roof and Solar to talk about some other issues as well. But right now, what's your problem there, Jeanette? What's going on with you? Hello, mister Martino, can you hear me? I sure, Ken, what is happening? I have learned so much by listening to your radio broadcast and I thank you for your time. Thanks. I

am a part of the city of Edgewater and you live in it. Is that what you mean you live in Yes, I live in Edgewater and I have a board position, not paid, but part of the sustainability group. And what we have we met this week and we go through a number of things to try to improve things in the city. And our city has placed the solar on top of the Civic center and that has gone really well. However, the company that we have utilized for citizens to utilize solar, and

that company is called Solar United Neighbors. Now, how did you find solar How did you find Solar United Neighbors? And why would you as a town, why would you make recommendations to one company? I do not know the complete answer, but I suspect that over this last year we had the energy person within the City of Edgewater, again a non paid person, but someone

who works towards the city or before the city. I really don't know how we ended up with Solar United Neighbors and maybe Okay, all right, so anyway, let me ask you this though you said that Edgewater has been recommending them. Are there problems with Solar United Neighbors. Yes. What I had gotten at our meeting this week was there's confusion between the Solar United Neighbors and then the citizens. And so I'm well, tell me what's going on.

What's the problem? People would ask for information from Solar United Neighbors and there'd be a a long wait to get information, and then the people on the other end, they may not be well trained because they're not getting information, which, of course that becomes a big friend. Hold on a second, Jeanette, just wait, I got a I got one of my solar experts on brook White. She's with Red Rocks roof and solar. They're doing a great job. They really are. Now I trust them. So, Brook,

have you heard good Man? I'm a good woman. I mean good good Brook, I said, good Man, good bro Hey Brook, have you heard of this Solar United, This Solar United Neighbors. Yeah, So they typically work with solar gardens where they build big solar projects for communities so that residents don't have to put solar on their home. They put it out someplace else and then they do metering on the bill. So solar gardens, meaning that's what they do. They specialize in solar gardens. Yeah, exactly.

So that way, the solar panels don't go on the home, but the homeowner still gets net metering for their bill off that they just essentially purchase a part of the solar garden. Okay, but that has nothing to do with individual systems. Then what I don't understand is why is Edgewater recommending Solar United Neighbors. And now the name makes sense. Solar United Neighbors. They make basically solar fields and sell parts in them. So did you understand,

Jeanette, that's what it is. They're not individual systems. You know, my area within the sustain No, I just need to know did you know that? Did you know that's what they do? That's where the confusion is. I'll bet you people are calling for a solar system and they're being told they got to get their neighbors together make a solar array for all of them. I do not know what has been communicated from the city regarding solar panels.

What I'm hoping for is I can get a phone number. I can call Brooke on yes, yeah, and then she can speak with our energy person. Because what's the problem now, what prompted the call today? Let's put it that way. In our meeting this week, one of the topics was the solar united neighbors and that people in the city are confused by the information or put on hold or not getting what they need in terms of that's easy, you just call someone else. I mean, for God's sakes,

there there can't be some kind of an exclusive the city has. Aren't people free? Aren't people free to call anyone they want? Depending on the HUA? And I apologize for interrupting. If you're within an HA, they can restrict the solar insults for an HUA to three specific contractors. They can't limit it to just one. But if you are in an HA, your AHA may restrict to the contractors you can use for the project. What about cities, though, Brook, have you ever heard of a city going with one?

No, No, they can't do that. Here's what I'm gonna do. I'm going to give you Brooks information at red rocks and the website. By the way, since you're on the line here, you just get that it's redrocksars dot com. But that's a very basic website and you should talk to Brooke. I mean, I'm not saying it's a bad website, but I mean for your intricacies and you want to talk about this, I'm going to give you her number, and it's again redrocksars dot com and it's three

oh three seven zero four yes, two four four nine excellent. Thank you so much. All right, thank you? Would you let us know how it goes up? Brook? And thank you Brooke. Hang on, I got another couple of problems that you emailed me about. I want to go over. Are you ready to talk about those follow ups? Absolutely cool? I want to do that. Three oh three seven to one three talks seven one three two five five waterpros dot net the best water systems the lowest prices.

You can get great drinking water at the kitchen Reverse Osmosis just fourteen hundred dollars fully installed. That is an incredible deal. Three oh three eight six two five, five five four. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three

oh three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Tom Martino, your troubleshooter three O three seven one three talks seven one three eight two five five For the guy that texted me about sustainability, that's not the kind of sustainability we're talking about. For that, you need viagresser, and even

that doesn't work in all cases. But I think you meant it as a joke. But okay, anyway, three all three seven one three, talks seven one three, eight, two five five. Brooke White is with Red Rocks, roof and Solar. And I'm serious when I say this. She's an expert and they have a good company. Man. I'm glad we hooked up on this company because I learn a lot and I want to know about these problems. First, let's recap the ones you're working on for us and

what happened in them. So let me find the originals. What are we talking about, Brook, Yeah, absolutely so Why in Alexis got a system installed by one Solar in Valor and that, according to Excel, is never going to be able to keep. Now, now let me explain this. When when they had this system installed One Solar and Valor they both dropped the ball. Now, by the way, Brook's not saying this, I am.

It was in October of twenty twenty two. It should have never been built there, and Brooke did say, if you do your due diligence, you would know that. But instead they went ahead and built it anyway and hooked them on this loan and it was fifty four thousand dollars system. They can't be activated, can't be used. That's the bottom line. So what

happened. Yeah, So by communicating with their Fridays in company and sending them the PC or Public Utility Commissions investigation, the financing company was able to see that this is never going to achieve PTO and now they're in negotiations to get reimbursed or taken off that long. So then after that we can figure out how to get their roof fixed. Now, what about the system. What

happens to the system? It gets removed? Yeah, so the system can get removed and then we would start then the next round of negotiations for removing the system, returning the equipment, and then having the roof replaced. If the one solar and or Valor doesn't want to compensate the homeowners for the new roof, then the equipment doesn't get returned. The equipment could just get solved to pace of the roof. You know, I can't believe the noise.

And again this is not Brooke, but this guy from Valor was so indignant about my show about them and about how they dropped the ball and all the multiple complaints we've had. He was literally indignant, demanding that he give his side of the story. And I said okay, and then he said, well, I'll get in touch with you, and I reached out to him a few times. There's no excuse, and he knows it. They are a sucky company when it comes to solar. I don't know about their roofing

division. I know that they suck when it comes to solar. They deal with one solar. They suck, And I tell you avoid valor and avoid one solar. They are, in my opinion, sleazy contractors that should be avoided. Okay, what's the next one you worked on? Yeah? So this other gentleman, he had what's his name. Yeah, So this gentleman's name is Jeff. His first system wasn't producing a power, So we wanted to a second system. Oh, that one was queer. That was weird.

Here's what happened. He had a system sold to him that was undersize, and it looks like they just wanted to get a sale, and so he went ahead and did it. And then another company came and said, hey, we can add some stuff to this solar system and some panels and make it bigger and all of that. And this other company said they could triple the capacity. Whatever happened with that, Yeah, so it's clear to

show that nothing's been worked on this project for over a year. So I've been in communication again with a finance company and sending them the information and doing the due diligence and by doing so or no and negotiations again, or the loans either be completely dropped and this and then being able to kind of do the same thing that. Yeah, let me ask you something, Brooke on this system. Did they ruin the system by trying to add to it?

Or is the original system still working? They ruined this system by trying to add to it because the new system didn't have the approach rate equipment to attached to the old system. And who's who's the new company? Who is the new company? I believe it was Shield Energy, But from all accounts, those folks have gone bankrupt at this point. Oh man, you know what, Yeah, I just can't believe the clowns in your business. I can't believe it now now Shield Energy now to be okay. So let me ask

you this tack you're taking. What is it all about when you go to the finance company? What what are you using as your hook? Yeah? So mostly you're just describing the fact that the homeowners can either never achieve permission to operate or it would be a significant investment for the projects to be six And most of the time, when it comes to things that are outstanding for more than a year to eighteen months, it's easy to see that there's an

issue within the contract. But why would the finance company take the hit? Why would they take the hit. They've already taken the hit in the case of the individual who went bankrupt in the other cases, so in that case they can't get any money back. But for them to go after a homeowner after this evidence, it would be bad pr on their end, especially when

the cost out of the bank really isn't that much. When it comes to systems where the company is still actively installing, as is the case with one Solar, then again, the finance company doesn't want to have that bad reputation on their name or those bad reviews, because those do effect and if enough complaints get filed then it can actually cause issues within who they can send loans to. Brook. I appreciate all the help. Regulated. Yeah, so

sorry, Tom, no go ahead. So solar is such a highly regulated industry because there's so much federal money in it. I mean, it's sustidized by the government at a pretty heavy rate. I think everybody can agree to it. So lending companies have to adhere to bridget CODA. That's why, by the way, redrocksars dot com if you want to get a hold of Brooke, if you're thinking about a system, even commercial systems, they have grant writers that can get some of them paid for. Three three seven zero

four two four four nine is their number, redrocksars dot com. Now, John Fuller, have you ever heard of any other industries? Now, John, of course is a personal injury attorney, but he's here as an expert as well. John, have you ever heard of where finance companies get in the middle they finance something, the company doesn't come through in the breach of contract. It seems to me, in a pure world, you still have

a loan. Yeah, that's kind of scary that they can unravel that kind of after the fact that that almost sounds like they have protections that most finance companies really don't. Yeah, I think it's because of the solar business. Maybe when you get it now, I know there was some there were some I'm trying to recall there were some other industry I remember over the years where people had loans and the contractors went belly up and the loans were forgiven.

But I think they were cases where the contractor had a white label finance company, so they kind of financed it through their own company, like they were an agent for the finance company. In others, it was almost like it was their financing, you know, like you come with us, you get your own, we have financing for you. And in those cases they were homeowners. This was years ago. We're able to because of the breach of the contractor who was also an agent for the finance company, they were able

to get out of the loans. Does that make any sense to you, John, No, not really. But you know, it's almost like student loans that are not dischargeable in bankruptcy. You know, it's not exactly like they're the only industry that had p as out there. And with the exception of the federally subsidized stuff that they're now trying to forgive, people have for years never been able to get out of student loans, even though they were

demonstrably predatory and ridiculously overpriced in comparison to the value you got. So now I believe there were some cases with trade schools where people got student loans and the trade schools went out of business where they forgave the student loans, and again they were more or less going, you know, accompanied by fraud, though. I mean that that was kind of the argument that they were victims of fraud and that the lenders were you know, were in on it.

They were colluding with the schools intuition and and kind of write these loans so that they could take these huge loans out. And the schools were getting you know, massive amounts of money compared to the you know, watermelon farming degree or whatever they came up with. I mean, they were, they were in on it, and so they I kind of deserve to not be able to maintain the fruits of their you know, illegal activity. Okay, that's

John Fuller Fuller Law. By the way, we have more coming up, and I just want to say, I guess I should feel privileged John and company. And I'll tell you why I'm getting emails now from Robert de Niro. Well, that makes total sense. I mean, a man of your stature probably runs in those circles. No, but I think everyone is because it's it's addressed to kind of like a bunch of people. And it's about Biden and what a good man is I mean, since when did de Niro

become such a political animal? My god? Anyway? Three oh three seven one three talks seven one three eight two five five eight eight eight. Heating dot Com has the risk free service fee. You like that, hey? That means you call them for twenty eight bucks to your home for any one item that needs service. They'll service it. If you have a serious problem, they will then credit you the twenty eight And it's really a risk free

service fee. I mean twenty eight bucks plus you get a service and that's eight eight eight heating dot Com three oh three seven seven zero two seven seven six Go with a sure thing Denver's best roofer Excel Roofing dot Com. You don't pay a cent until you're content. Time for an insurance checkup, free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance

companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hey, I'm Tom Martino, your troubleshooter three all three seven one three talks seven one three eight two five five. Let's talk to Andre about a truck and the truck by the way. And then John, of course

wants to talk about now a mass cat killing. And then Michael he lost his cell in a lift by the way. Similar thing happened to Mark. He went to small claims court and won. It wasn't lyft. I don't think it might have been the other one anyway. What's going on? Andre? Hey man? Good man? What's happening with you? All right? So I took your advice last week. I got rid of that shrug. Now let's talk about this, okay. I want to bring people up to

date. I'm looking for your original call. So why don't you start? What was the original problem? While I look? Oh, here it is the two thousand and seven GMC Sierra Turbo diesel from AutoNation. In July of twenty twenty three, you signed a contract you did not read, and on the contract was a five thousand dollars warranty that you paid for one week later. You drove it and had multiple problems. So far you've spent thirty seven

hundred in repair. And as I remember, what they said was a covered part was failed, but it was failed by an uncovered part, so they wouldn't cover it. Is that what they said, Well, they wouldn't cover it because they didn't lift the lift kit or the turbodiesel motor when they wrote up the warranty. Oh wait a minute, Wait a minute, wait a minute. Then then that I don't have that in these notes. If they sold you a warranty you couldn't use, they should give the money back on

that warranty. And you know what, Tommy tipped me a little bit, but getting it back one hundred percent. They were trying to pro rate me for it. Oh my god, Well no, no, you make the argument you're not going to pro eight And I'll tell you why you could never use it to begin with. Oh, that's what I explained to him. And I had to get ahold of a couple of different managers and could toss around a little bit. But they're giving me a hundred percent refund on it.

And you guys were on the money with that transmission issue is about nine grand a fix. So got rid of that truck, got a brand new Infinity with by the way, three years free maintenance. Man, and and you got and you're getting five grand back. I am so happy you called this, Andre, really, man, I'm really happy on that. That's cool, so so so everything could anything else to report? Man? Thanks? You guys should looking for a vehicle in any different place to go?

Man, seriously, the okay, don't have to worry about you know, you're not caring about their reputation is ripping you off? I know, I know, man, it's it's a it's a rough world out there when you're shopping for a car. But listen, thank you very much for call Andre. I appreciate it. John Fuller, what do you think about that?

I've always made the argument if the dealer sold a warranty that could never have been used because the dealer did not list the disqualifying features, which are after market things, don't you think it's logical they would have given that money back. They should. Yeah, I mean, if you think about it, because it's almost illusory in nature. It they sold you something that under you can't use it. It was going to cover all this stuff. Yeah,

exactly. I mean, here's the deal. Whenever you get an extended warranty people from a dealer, the dealer is obligated to represent that vehicle accurately to the warranty company, but you don't know if they did or not. You might have a lift kit on it. You might have aftermarket turbo, you might have a supercharger. Whatever you have. It might negate that warranty that you just paid for, but you don't even find it out until you have

a problem. Theoretically, you could have never used it. You get your money back, but the better thing is don't let it happen. Andre, I appreciate we're going to add five thousand, maybe even a little more to our uh our total of money recovered in cash, merchandise, exchanges, refunds, and services. And I want to talk about Michael. Yeah, yeah, thank you for thank you for pulling out my dinger. I appreciate that. I should have I should have done it. I'm always looking for the

one talking about sustained ability and stuff. So yeah, that's right, that's right. Hold on, let me see it was fairly in play, I believe. Yeah, did you hear my dinger? I got it? I just did it. Okay, So listen, let's talk. Let's talk what's going on Michael and the lift cell phone. I think Mark would be happy to hear about this one, because he uh yeah, I can you hear remark? Yes, sir, I can hear you. Yep. Excellent,

excellent. So it's been a week. Last Thursday I ran several errands and at the end of my day I didn't pay attention and I left the phone in the lift and the normal contact procedures and none of them worked, such as a phone number going directly to the driver. And then after the five days of pounding the number and emails, I'm getting no results. Other things they have fund me confirmed that the driver does have my phone, but that's

all they're saying and asking me to be patient. Of course, I've sent them my address and that type of thing several times, and I have some relatives helping me hammer the email as well, but I'm not getting any results. That's why I was hoping, Well, did you do the small claims court? No, That's probably what I'm going to have to do to get my ounce of brush. I mean, I'm going to end up going well, and that's not going to be that much trouble Mark. Here's what Mark

says whenever he files a small claim. It all and I've watched him, Man, I don't even I lost count. But here's what he does. He'll file it, he'll serve it, he'll get a phone call, and they'll settle. He has never gone to court with any of them. I would love to know that procedure. Well, here's what you do. The very first thing is you go do you look for their registered agent and you

serve them. It's that simple. They have a registered agent and you fill out, you fill out the small Claims Court form online, well, or you download to fill it out. You serve them and then you do it. But you have to have a reason. So what is your reason? If you lost your cell phone? How are they responsible? Mark had a hook on his There was a reason, Okay, he believed. I forget what they did, but in any haste, go ahead. Well, I'll

tell you what it is. They've they've made it impossible to recover your lost merchandise. The phone number that they had that was supposed to go directly to the driver was not connected to the driver. And then after five days of founding that number it finally said this is a list number, but it's not in service. So again, going through the email system that they have set

up, I'm talking to a bot. It's truly obvious because I've given them details that I lot, what kind of phone it was, what time of day, who the driver was, and then the response was Kyle, who was your driver? That's not what I need to know, you know, So I sent by again, I sent my home address. I've even offered one hundred dollars reward, and I just can't get it back. Well, okay, so go ahead and do your thing. I mean, I don't know if I don't know, if I don't know if it's going to be

recovered again. Mark is working on our referless and other things. I would ask him, and if he's listening, maybe he'll text me on the hook he used to get to sue them. But if you just leave your phone, is it their fault? But then you have another hook here and you're saying it's their fault because there's no way you can even get it back. I don't know if that's legit or not, but try it. Try it. Three oh three seven one three talk you know something else you should try

Frank Ran the real estate man and his market analysis of your home. We're going to be hearing about that coming right up, and I just want to say something about Frank. Okay, this time I don't normally talk about He has the buying side, which is phenomenal if you're looking for deals. They do buyers agency as well as selling for people. Three oh three nine two zero sixteen twenty two. Go with a sure thing Denver's best rufer Excel roofing

dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one help. You'll think you're his only customer when you choose Frank Durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three all

three seven one three talk. I'm getting various comments about my, uh my new lighting. You know, Stephanie says ton that other lighting's a little bright. I think she saying it highlights me too much, and you want to hide some of that program. So anyway, I tried the natural light, but people are saying it shifts and turns. That's the That's because the monitor behind me. So the monitor reflects. You know, it has different lighting, like the white in the middle or one of them has black in the

middle. So that's why it looks like the light's changing. Anyway, I don't care. It's YouTube. What do I care my morons and downloads. So I want to I want to talk about this mass cat killing. John. What the hell are you talking about? John? I told you about it two months ago. Oh, I remember you called. Yes, I remember you called and said that it was even sanctioned by the city. I think you said your deputy broke three promises in failing to return my phone calls.

I need to know. I need to know what you're talking about, Like, what what deputy did I put on this. I'm trying to find the call email which I sent. I sent and you haven't replied. Okay, but hold on a second. I'm trying to find the call. Give me a break here, man, Okay. I mean, it's not like we don't have problems everybody. You don't let people finish their stories. Just no, that's not right, that's not right. I'm not interrupting you. I'm not right. Go on on, no, let me finish. What

are you talking about? Go on? Say it? Last sun I have no idea what you're talking about. I talked to you about this two months ago. I know what. I'm just kidding. Go ahead. Last Sunday, two of our key witnesses were killed in a suspicious house fire, and they were suing the owner of a sustain a minute crack house next to theirs that burned was destroyed by Wait a minute on the inside. Are you telling me that people who are killing cats? Oh? Do? Will you stop

interrupting me? Are you you know? Hang up on this asshole? Hang up on them? How about that? You're a nut? Don't call back, and don't tell me how to run the show. The reason I'm interrupting you is because you're trying to make it sound like the town is killing people. Now for complaining about cat killing, you're a crazy person. Goodbye.

Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content plead time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance

companies find out now three o three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two ripped us so you don't have come running just as fast as we can. Shooter's gonna help come. This is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here three oh three seven one three talk three

oh three seven one three eight two five five. Welcome to the show. What is going on in your life? We love doing this show because we make a difference. We really do. This hour brought to you by Denver Regen dot com. Speaking of making a difference, they also, you know, these are things we don't talk about. They have the hair enhancement and replenishment or whatever you call it restoration. Now they can do it with just thinning hair. I've been threatening to try. Who the hell knows anyway.

They also have the weight loss Denver Regen dot com and extraordinary prices. The weight loss is two fifty a month Denverregen dot com. So okay, so Diane wants to talk about Nextdoor. I just want to say one other thing. I'm not gonna keep doing it. I'm not going to keep doing it. I mean, I'm saying that my show is run a certain way because I need certain information to help people. Now, I think I should be probably more aware of some people just tuning and not knowing what I'm doing.

If I let I just have to explain this, I swear to God, not most people, not all people, But if I let most people simply tell their story, I will never hear what I need to hear. With most people, I will never hear what I need to hear to solve the problem. Now, to a certain extent, I want to hear some of the story, of course I do. But then I need details that I'm not being told. I'm being told details I don't need, and many times

there are details left out. So while they're telling the story, instead of listening to the whole story, which could take an hour, but no, in reality, it could take fifteen minutes. We just don't have fifteen minutes, So if I listen to that whole story, then have to go back. It's better if they say I bought a car for my son and then I moved to Ohio. Well, it would be nice to know when he bought the car, what kind of car, and what does moving to Ohio

have to do with it? So it doesn't always make a full circle. And I'm serious now, I'm not kidding around. When I let people tell a story, it just doesn't Okay, that's just life. And it's easy to listen to me and say, well, why don't you do it this way? And why don't you do it that way? But now I'm just gonna be a little bold here. No one can argue with my track record

for success on solving these things. Now, we can't solve everything. But please stop telling me not to interrupt, because what I'm going to tell you is don't call. Just don't call. Now. I don't want to be root and interrupt. I don't call you names. I ask for clarifying information. Okay. Now, Now, by the way, John Fuller, when you have a client, tell you the story, tell me the God's honest

truth. Now you are in a different position. You're not on the radio, you don't have to hit a braake, you don't have to get a certain number of calls in. So it's a little different. But but you know how people think after years of doing this, don't they tell you ninety percent of the stuff you don't need? Well, they definitely tell that. You know, things are important to people for reasons that don't always have to do with how that's what it is to the office line, you know,

so you have to be respectful of that. But I mean, I ask a lot of questions when I do intakes and I talk to clients. I I you know, I feel like it's incumbent on me to get all the information so that I can give the best advice that I can. But but I've also found that you you, you know, listening is an important skill, and when you're talking sometimes you miss things that people say. So I

try to really balance it between listening and asking really good questions. Good that that's and that's what should be done, actually, uh to get enough information to solve a problem. And I don't think I ever once asked an irrelevant question ever, of course, not no, I mean no, But but that's what I'm saying, so when I ask a question, there's a reason for it. There's always a reason for it. I even I've even had peers. I've even had people say, well, that has nothing to do

with it. I swear to God. And then and these guys listening, Shannon will take There'll be people say that, well, that has nothing to do with it. And then toward the end of his call, it had everything to do with it. So I go back to what I originally asked. Anyway, I don't care. Let's let's look at like I said, I have fun doing this. I don't want to turn it into like a challenge for people. Have fun. But when I ask questions, don't be insulted. Diane, what is happening with next door? Yes, Tom,

I saw this girls. I saw this girl's ad on next door. She was advertising and she's looking for like any type of labor work. Okay. I call her up and she tells me she has a regular job and she'll come to meet me, like at five o'clock. So she comes and then she says, okay, I can work till dark. So she works for three hours. She takes some things out of the yard because the yard got badly damaged during the hailstorm. Lots of furniture got broken and things needed it

cleaned up. So she took those items to the curb and everything, and I told her I'd be happy to help her, and she agreed to one thousand dollars cash to do the yard. Now did she have a business? Was this a commercial advert, advertisement or just a post? She yeah, that's that's the word. She posted on next door that she just as an individual. Right, it wasn't an ad. No, yeah, I guess I use the wrong word. Note No, No, that's okay. So

she was posted as a person saying I need work. You gave her work, Let's keep going. What happened then, right, gave her work? And the first thing within the first ten to fifteen minutes I met her, she said, can you get me half down? And I was like, no, I can't give you six hundreds. She said, can you give me six hundred dollars? I said no, I can't. I've just met you. I don't know the quality of your work. I don't know anything. I said, No, I don't pay upfront. I said, you'll

be paid in full. Well, how do I know you're maybe going to cheat me. I'll do the whole job and then you won't give I said, no, I'll be happy to give you something in writing. You will get paid. I don't do that to people. So she kept on, Oh, I lived so far, I lived my Cheyenne Road and list. So the next day she came again, and she says, could you please just give me four hundred dollars. I've got to have it. I have a small child. So I said no, I told you there's no money

up front. It just what I'll work with. You will do the job, and when it's done, you be paid in cash. Nope, nope. She kept harassing me. I'm a senior citizen. She kept bugging me. Finally I went to the bank and I got her four hundred dollars, came back, gave it to her. She counted it, and within minutes she started going, I can't work anymore. I have so much dust. I have to go buy a mask. Well I've never seen her since, of course, not, of course, of course not. Okay, that's

wonderful story. I feel really stupid. Yeah, I feel really stupid. It's like she took candy from an old baby. It's like, okay, she kept working on me thinking, well, how much time did she actually put in that you paid the four hundred day? It's not a complete loss, right, how much time did she actually work? She worked the first day about three hours, from about five to eight. By working, I

mean carrying broken stuff off to the to put it by the curb. So you paid her one hundred and thirty three bucks an hour, thank you? Well, no, I didn't. I said one thousand dollars for the whole entire backyard. I understand. So how many hours did she put in the second day? The second day she came and she worked. Well, from what I understand, I had another person working here, he said the minute I left for the doctor. That you Well, how many hours? How

many hours total did she work? Total? Total? She made everything from the time you met her to the time she took off. How many total hours did you get for your four hundred bucks? Probably eight or nine totals. Okay, so it's not a complete loss. Well no, but it feels like but you're never going to get your money back. That's the way it works. I mean, well, I got it. Tell me how you would, Diane? Tell me how you would? I mean, I can do a lot of things, but I can't do miracles. How would

you get your money back? What are you proposing? Is she still on? Is you can? You can go on next door and rat her out. No, I didn't give her name, but I posted what happened to me. I got almost two hundred responses from people, even from lawyers and from even a doctor. They said, call the police reported as a step from then. I love lawyers. Lawyers are morons, sorry, John, most of them are. Here's what they do. I love the way lawyers

to try to quell people and make them feel good. Oh yeah, oh you should call the DA hilldo or you should call the police, or you should you know? Or I love when they say this. Well I would take you have a good case, but I can't take it. I'm loaded up right now. So listen, here's what I'm saying. There's nothing you can Okay, call the police. Then how about this. I always say life is its own teacher. So instead of listening to me, do what

they say and see what happens. Call the police. Well they should call the police. Go ahead, did you then? No, I haven't done it. I wanted to call you first, and then you're not going to even get them to take a report, but go ahead. Then they said, call Department of Adult Protective Services because I'm going to be eighty one years old. So this is abuse of the senior. Now that might be it's it's called something. It's a person oh a risk adult, and that might

do something, but they're still not going to investigate. They're not. That does. What it does is it becomes a sentencing enhancer if they charge then with theft, so it be theft against an at risk adult. But still the reality is they're not going to track this person down. Now there's very little, you know, very little ability of them to do it, and they're just not going to. Let's put it. Let's put it to you this way. That woman can walk into a store and take a thousand dollars

worth of stuff, never be stopped, and walk away. So why are they gonna go after her for four hundred from you, especially if she worked nine hours, because you're gonna have a hell of a thing. You're gonna have a hell of a thing first of all, to prove she had the intent to defraud because she worked nine hours, there's nine or ten, so there was somebody could argue, well, she wanted to finish, but really she did have a problem breathing. Maybe she's dead somewhere. No one listen,

Diane. I know at eighty one you don't want to hear this, you really don't. But no one cares about that, and no one's gonna do anything. I care about it. I think you should give her name, phone number or whatever you have. I last it all, gave it the next door. What is her name? Her name is Esmeralda gett A g u e r r A. If you'd like her phone number to call her up. She won't take any calls to text, and she's very nasty, is it g u e r r A. Yes, Esmeralda Gara gu

just rolls right off the tongue. Yeah, okay, yeah, And I have her phone number if you'd like it. But lots, I'm on the fixed income and I'm on Social Security, and I can't afford to just be pissing away four hundred. I don't blame you. Hey, I have a question, Diane, this is doc. Do you pay her? You paid her four hundred dollars to nine hours? How much? Well you're going to pay her? I mean, it's forty or fifty bucks an hour, So it's not totally repay her one thousand dollars. It was by the job,

not by the hour. What's okay, by the hours? Yeah, I understand that, but but but it doesn't matter if how long how many more hours do you think it would have taken her I was working? I don't know because if we only got started, what do you mean how much of the job about Let's put it this way, how much of the job was done fifty percent? No? No, no, no, no? How much five percent? Holy only she only if nine hours equals five percent,

Well, let's do it another way. But if she did five percent, Okay, this doesn't make sense to me because if she was on the job for ten hours got five percent down, that means it'd be one hundred and eighty hour job for one thousand dollars. That's that's what I'm getting at you. That's what I'm getting at It was unreasonable to begin with. Well,

even stil that's five dollars. That would be five dollars and fifty five cents an hour, So I mean, you have to recognize thee I understand that, But if she only did five percent of your job, and it took her nine hours that equates to the total job would be one hundred and eighty hours, which really for one thousand dollars equals five bucks an hour. John. But on your assumption that's if she was working honestly for that, you know, at the same pace, at the same time. I get it,

but cut it in half. Say it's only a ninety hour job. There are very few ninety hour jobs that people would take on for a thousand dollars. And it was very kind of awed by the job it was. Were not listen. I understand that, I'm not trying to make you feel bad, Diane, but but you didn't get that ripped off. You got ripped off, but it wasn't as terrible. I mean, they could put

it differently. Let's say you did get a da to give you the time of day, and listen to this case, and if they sat down and did an analysis and said, you know what, this lady got paid, you know, four hundred bucks for nine hours of work, and maybe you

could argue that that was a bit overcompensated. But in the grand scheme of things, she did do some work for you, and she did get paid and What you really have is a disagreement about the hourly value of her work, which they would tell you is a civil matter that you would need to go after her. Since and I don't want to make her feel bad, but since she's splitting hairs here and said the whole job was one thousand dollars, let me ask you something, Diane. What if she says no,

it wasn't. Do you have a contract? Yes? She vote. She signed the contract with me, and I wrote, you're smart, and it says it says she would clean up this thing for Yes, it said she will do yard clean up for one thousand dollars cash and that I gave her four hundred and then she signed it. I gave her four hundred dollars cash and a balance of five hundred and eighty dollars because she also asked me for gas money, so I gave her that too, So I really gave her

four twenty. And like I said, I told her, I'll work with you. Obviously she doesn't know what to throw out and what not to throw out in the yard. Maybe I have something that Listen, Diane. My suggestion is, don't do it this way anymore. Don't go to next door, don't go to Facebook marketplace. All of these are just a breeding ground for ripoffs. They really are, they really are. Okay, well, I'm really sorry this happened to you. If any you know how much more

how much junk do you have out in your yard? It can't be that much, is it. No, it's not dunk. It's stuff that got broken, like tables that got pounded with big hail. We had, Oh, I get its. Yeah. But then so my insurance company said, I need a picture of each of these items to be able to compensate you for tables with big holes in them, chair, everything just got pelted. So that's why I needed help. I can't do it all myself. It's too much. I can't lift. At the insurance company a lot on an

amount of money for cleanup. No, they just said send us whatever got broken, like your flower pots and your table. They didn't they didn't have any money for cleanup, just for replacement. Yeah, no, they didn't offer anything for cleanup. I told them I will get somebody and then I'll photograph each thing and then we'll carry it out to the garbage. So that's what her and I were doing. I was taking you at least you got reimbursed for the stuff that was destroyed. Right, No, I didn't get

reimbursed. I just started just this happened a couple of days ago. I just started doing this. I don't have but they will reimburse you, right, they will reimburse you. What insurance do you have, Diane sank Co. Yeah, you'll get your money for that stuff. Yeah. Well, I mean I hope I do. Then I can continue to find someone you know and write. I think that that's the good news. I think you can. I think you can now, Diane, thank you for calling.

There's not much we can do for you. Man, this person is in the wind. I mean, I don't think there is anything. Shannon, did I take fifteen or not? Hey, I have to help me out here. Okay. So on that note, we're going to take a quick break. Three oh three seven one three talks seven one three eight two five five Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free,

no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance company find out Now three all three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martinez, you're troubleshooter three oh three seven one three talks seven one three A two five five. All right,

So Diana, what's happening? You have something about wages you called a couple of weeks ago. It's the onlimate issue. Okay, I'm looking for it. Danafication, Oh what happened? Did you? Is this where they're trying to collect from you? See, because they say they say that you filed for unemployment and you never did not for the time that they're saying I did. Now, I thought we were going to send this to our person over at I thought we were sending this to our person over at unemployment.

Didn't we do that? No? So she actually sent you. You wanted to see the paperwork first, So there's like thirty individual emails that are pictures. So the the Unemployment Division got a judgment against you for benefits that you got through fraud. They say, and she said she never got any of those benefits. Why can't we just send it to Phil though over at Unemployment

Division. I don't have a note here. There are literally thirty different emails Tom that were forty Oh okay, you're talking about thirty emails from her? Correct? Why did you send us so many emails, Diane? Because she had to take pictures of them? What are what are these? What are these emails asking you to do nothing? Basically, it's the it's the paperwork that I got. Oh, it's not an email. You're just send us an email of she scanned the paperwork. Did you send this? When did

you send it to me? Kachina? Must have been earlier? Uh? Probably last week. I'm sorry. Okay, there's literally thirty emails and they're all in one after another. Oh god, okay, I could I could see that? Can you just give us one? Can you just is there a way we can just see the latest one? What they how did they get a judgment? Did you go to did you go to a court appearance? Yeah? Well I didn't go to a court appearance. I called in

okay pretty much? So there there was hold on, hold on, hold on, So there was a hearing, yes, and it was a telephonic hearing. You just appeared by phone, yes, And did you what did you say? Did you say to them you never ever got these benefits? Yes? And I said that I did not call in for them. And and then the other side put on a case. What did they have is proof you got them all? Honestly, the only proof that they have uh for them is the emails that I sent you. That's the only thing that

they Yeah, I don't I don't get what you mean. How could those what do you mean what proof did they have? What proof did they have that you got checks or you got benefits? What proof? I don't know that. That's what I'm trying to figure out. But you lost in court. The judge ruled against you. There must have been evidence the judge ruled against you. Yees. Was it a hearing? Was it a real court or was it a hearing with unemployment? Where? What was it? It

was a sharing Unemployment showed up with their witness or whatever. And then, like I said, they sent me this paper work. And now how much are they trying to how much are they trying to get from you? Right now? Well, it's short at fifteen, fifteen hundred, fifteen thousand. Anyway, it's gone, Saint well, hold on, there's a big difference, Diana, there's a big difference. Is it fifteen hundred or fifteen thousand? Fifteen hundred? I'm sorry, oh, co Well, don't be sorry.

That's good. It's only fifteen hundred as opposed to fifteen thousand. Well, no, one, not to three thousand, Tom. And it's going to keep going. And here's the worst part of it. You want to know the worst part of it. You're not going to be able to bankrupt out of it because it's fraud. John, John Fuller, what do you think that How do you think they get a judgment? I mean they had

to have something. Yeah, they had to actually bring some sort of an action against her, and she said she appeared by telephone, and so I mean, the only thing that I can imagine is that there's some appeal process if this thing got reduced to a civil judgment. You're right, the fraud exclusion would probably keep her from being able to you know, bk that offer there, But but I don't know. You'd have to look at the you know, the circumstance of the judgment and all that stuff. I mean,

it's it's so rare that they actually do this these days. It seems like they just i know, compassionate, just let people get away with with you know, real theft. Where they they they do, I know they do. So I've never heard of people being prosecuted, Diana. How are they saying? Why are they saying, first of all that the claim was fraudulent? Yeah, you know what, I'm saying that it was no, no, no, But why are they why do they want the money back?

Are they saying that you were getting benefits while you were working? I'm sorry, repeat like you just said, you hold on, hold on and I will okay three oh three seven one three talks seven one three A two five five. I don't I don't know we're going to be able to help her, but I'll ask her the question. There's a reason they came after her to begin with. We got to figure out what the hell it is.

Yes, we got more of it. Yeah, go ahead. There were you know, back to our COVID, there were lots of incidences where people were actually filing false and fraudulent claims for unemployment under a fictitious names and pictitions, addresses, and stuff. So I'm sure that the caller is not alone in being accused of this without you know, without it, well, usually there has to be something, something, something that's right. There has to

be something, and it was adjudicated in court. So either she didn't participate or didn't provide anything that showed. I don't know there's more to know about this about this case. All right, well we have more coming right up, We'll come right back. Go with a sure thing Denver's Best roofer Excel

Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine, here, let's go

back to the phones. Three of three seven one three talk seven one three eight two five five. Diana, What I need to know is why did they contact you? Tell me? It just out of the blue, they said you received. What did they say you received? Why did they say it was fraudulent? They didn't say it was fraudulent. I didn't, and they just I was sitting in my living room one not and I got service papers. They were trying to get me to pay back for the past two

years for for wages that I did not receive. That's when I found out about what was going on. Okay. But Diana, when they served you, yeah, they said that you had collected unemployment. Why did they say it was fraudulent. It was fraudulent because I didn't. I'm not one that called in Diana. Diana. Yes, yes, We're in a circle. We got to break this, we got to break out of the cycle. Here's what I'm asking you. There is a reason they wanted the money back.

What reason did they give you for wanting the money back? They found out I had a job, and that's why they want the money back. Okay, so they claimed I know you don't agree, but they claimed you were working and collecting benefits at the same time. Did you ever collect benefits

from unemployment? I was on unemployment quite a while ago, way before I got this job that I have now, But I had not called in front employments for years and I mean years, okay, And now saying that the job I have now you know now the job you had or you have now that you were working and supposedly collecting benefits. Do they have a record of benefits going into your bank account? No? Where do they say the payments went on. They give you when you're on an employment, they give you

this little debit card. Okay, now they claim they claim you got a debit card. Yes, there was all kinds of fraud going on with people getting debit cards in other people's names. I don't know why they didn't believe you, Diana. I believe you. We have got we got no less than a dozen calls of the same exact thing. People said, Hey, a debit card showed up in my name and I never applied for it, so somebody applied for it. And what they try to do is steal it

out of the mailbox before you get it. And I think that's what happened to you. But why didn't they believe you? I don't know, no clue. Well, well, you were at the hearing, we weren't. Why did they Why did judge say well, we don't. I don't believe you. I mean, the judge must have said something to you. The only two things he told me that he did he could not believe me on was I did file I didn't see stepped on the unemployment website, and I

did go and file a report with the police department. Unfortunately. Wait, wait, wait, hold on, Diana, hold on, what do you mean he didn't believe that you did that exactly? But what difference does that make? First of all, what you only filed. You only tried to file a fraudulent report after you found out you were being accused of fraud, right, I mean, you didn't know anything before that. Okay, So that has nothing to do with the case. What difference does it make if

he believed if you filed or not. What difference does it make? I mean, the point is, so that's the reason he ruled against you, because he doesn't believe that you filed that report. Yes, no, okay, all right? Does it? That doesn't even make sense for God's sakes. So he's saying, when you were accused of fraud, you should have filed a fraudulent report, and you did not, So he thought that was a lack of credibility. Did you file a fraud report or not? Yes?

Then why did the judge say you did not file a fraud report? I have no idea. Do you have proof that you filed a fraud report? Well, they just send me a general email, you know, stating, hey, we got your report, but that's all I got. Well, did you did you show that to the Did you show that to the judge? Not? Because I could not find that? Okay, all right, So, Diana, I do believe you. I do, but I don't know what you can do about it. You've already gotten a judgment against

you. When was that judgment rendered? Oh gosh, I'd have to look on my coun Roughly roughly, Diana, roughly more than ninety days ago. No, I'd say maybe sixty days ago. You might be within the time to appeal it. But I don't know what you even appeal. John, help me out. What do you think? Yeah? I think I think you might be in a position where too much time has gone by or a

record was not made at the trial court level. I mean, it's so hard to understand what went wrong in this one, because she's claiming she did all the right stuff. But the judge found that she didn't, and I doubt that you know, her inability to find it. Would you know, if she made that claim with the same department that's suing her, they should be held to proving whether or not she did or didn't. So the whole

thing is very hard to understand. The problem is there's a judgment, and Dianeca, you were if you appealed this, you would have to hire an attorney anyway, And I'm wondering at what point will they take pay? I hate even saying this. Yeah, here's the thought. The judgment is probably not going to say that this is a judgment, you know, based on

fraud. It's just a judgment like any other judgment. If if she declared bankruptcy, it would be on the debtor to come in and object to the discharge saying, you know, saying that no right and discharge this it's it's it was a product of fraud. And if they didn't do that, the thing would eventually get discharged. I mean, I don't you know, the burden has got to fall back on the holder of the judgment to make that claim. We got to take this break, Diana. I think bankrupt I

swear to you you may have to file bankruptcy. I don't know any way out of this. You really should have handled this differently from the beginning going to that hearing, because I can't go back in time now and tell a judge they did something wrong. You know, it's too late. I don't know. I thought I wanted we should have this to fill over there before the court. That's when we would have done it, because we helped many other people in the same position, but it was before judgment. More coming

right up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the Stateman dot com to list your home with Remax Alliance three all three

nine two zero sixteen twenty two. Hi Tom Martino here, Derek wants to talk about small claims court. Hello Derek, what's happening? How are you Tom Good? What's going on? Man? So I'm getting ready to go down the road of possibly found small claims suit against a company that offers windshield protection plans. There was this through a dealership. It was through a dealership, through a major dealership. Okay, so was purchased through the dealership.

Normally I don't purchase any of those sales office items, but I've rut some good value in these in Colorado, not if you really read them, by the way, I've been through this before. But go ahead. What happened then? One of my other cars, I've purchased one for seven years or one hundred and paid for it so multiple times over. But I get what you're saying because I'm kind of running into that now. Well, they actually

don't make them like they used to. What they do is they have a total lifetime limit and then they have a deductible and when you think about it, the coverage is not near as good as if you bought it through your insurance. But anyway, so you're unhappy with it. Yeah, they're denying a claim. Hold on a second, it's too loud, Shannon, I mean he did have a few seconds. I want to take you back Derek

and finish this. Okay, So hold on, I'm interested to know what you sued for though, because did they breach the contract or you just didn't like the contract? Hold on, go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation in comparison, call Compass Insurance. Pay too much your coverage of insurance companies find out now three all three

seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Yeah, Ritt News need advice so you don't have come running. Just as fast as we can show Shooter's gonna help. Come man. This is the Troubleshooter Show Now, Tom Martino, Tom Martino, You're troubleshooter three all three seven one three talks seven

one three eighty two five five. This hour brought to you by Waterpros dot net. You get hull house water systems or at the kitchen sink for drinking water or you can do whatever combination you want for getting rid of chemicals and disgusting things in your water. Hard Minerals and Water Pros is the company I recommend for the best systems at the lowest prices. Three zero three eight six two five five five four. John Fuller's with me personal injury attorney, sordinaire,

personal attention and all that, and I mean it sincerely. He gives a cell phone number out. He's crazy, but he does. You can call her text at any time when you're a client, and he means that he's not bs and there, John, how many calls have you gotten,

like past ten at night or in the evenings? Not that many. Actually, I do get calls on the weekend sometimes, and you know, early evenings after people get home from work, so you know, six seven o'clock at night, But not too many people call him truly in the middle of the night. So somebody wants to know if a dash cam can be admissible in court. Absolutely, yes, a dashcam is admissible in court and is the single key best piece of insurance that you can put into your vehicle to

completely eliminate liability disputes. And he said, she said, and all that kind of fun stuff. They're wonderful. I have them in all my vehicles. I recommend them for all of my clients and anybody who will listen. Cool Now, Derek. We left off with Derek and he said that he had windshield coverage on a new car. And I'm familiar with it. By the way, I think it's crap coverage. But he said they won't cover

a claim. He wants to assume a small claim score. So I want to dig into that, Derek, what was the why won't they cover it? What reason are they giving you. They're stating that the damage was caused by quote, an act of nature, and what is that mean? Something that it's undefined. It just says active nature. So they're claiming, well, what wouldn't be what's not an act of nature? Tell me what is not? But I said that, you know actually, and that's going to

bring me to another question. But I actually said that to the representative and they said, I can't argue that it's all an active nature. I said, unless somebody hits it with a baseball bat, anything that hits the windshield and breaks it, it's going to be an active nature. No, Well, how about if you're following a truck, I mean truck you know, puts a dent in your windshield. That's not an active nature? Well right, and what, by the way, how did it break? Derek?

Something flew up and hit the windshield? Now is it bad? Is it? Is it cracked all the way across or a little bullet? What is it? I sent you pictures, so it's got you. Help me out though, because I'm not at those pictures right now. Help me out? What? How? How is it's kind of a round spawling. But so here's what happened. So when my wife went to file the claim and she called me. She was going thirty five down Bellevue, that's her commute,

and she said something flew up and hit the windshield. And I said what And she said, I don't know. A bird, a plane, a rock, a piece of wood, a piece of metal, I don't know. I didn't see it. I just heard it. So when she was going to fall file the claim, they said, since she didn't know exactly what hit it, that it must have been a bird. But if you look at the okay, now at least we know what they're calling nature.

A bird is nature, a rock is not got it. Gotcha. So if you look at the picture, I don't know of any birds that are made with right angles and that are harder than the surface of glass. But you can see where it was obviously some piece of foreign debris, not a bird. When I sent it over to the insurance company, they agreed with me, this is obviously not a bird. But they're sticking to their bird claim. They're failing to honor the Okay, now I understand why you're suing.

I didn't know what if it made sense. But what you're basically saying is it's a breach of contract, breach, breach exactly. And I said, okay, well, how about this. The dealer wants three thousand for the windshield, safe light wants a thousand. Let's do safe light. I don't need oem glass. That's totally fine. They did not want to do that. I said, okay, then if this is kind of a worthless policy to me, wanted to refund the policy. They refused to do that,

so I said, okay. But here's the kicker. At the very end, they're like, well, we're willing to give you five hundred dollars towards good hope or good, you know, give you five hundred dollars just for your time and a statement of good hope, which I know that's pretty much a poison pill to any other recourse action I might have going forward. So I denied, well, John, what are you thinking about his chances? I think that I don't know, man, this, How the hell

can they do it? How can they turn it down? Yeah? Unless there was something said during his wife's statement to them that's really given them a leg to stand on with this whole bird thing, I'm I don't know how you're going to lose. Actually, Yeah, and in the photographs too, it's obviously where are you right now? Where are you right now in your lawsuit? I haven't started it yet. I wanted to exhaust all other options

first. This conversation about the five hundred dollars and getting to the impass there. Let me ask you this, what dealer did you buy the warrant? You know, they made money on this policy. They probably want to know. They probably do want to know about this go ahead. The dealer is involved in this, but they're in an impast too kind of They're like, you need to contact the company you bought the policy from and the policyholder saying

you need to contact the dealer. Now, the dealer did send me one of the dealer forms to cancel or get a read. How much did you pay for this coverage? Two thousand? That's what I would do. Getting a refund is not that bad. The other thing you may want to look at is it does the contract actually say how you have to resolve disputes with them if they have an arbitration provision, or they may say that, oh, he may not be able to go to small claims theet This can only

be brought in timbuck to in the middle of whatever state. I mean, they put these these provisions in there, right, John, That's a good point. Good point. You may find that for sure. Yeah, John, what do you think John? I mean, the refund is the refund, Derek, what are your chances of getting a refund? They're better with the dealer than they are with the no. No, But what about this. The dealer maybe won't give you a refund, but maybe the dealer will

get it replaced. That's possible, and the policy I bet they would. We'll explore all of that. So what are you calling about today? What can we help you with today? Okay, So if say there is no provisions that it has to go to mediation. Everything else like that, as far as the small claims paper works, the car is register in both my wife and I's name, the note is in both of the my wife and I's name, and the bill of sale, the contract is just with the

windshields coverage is just in her name. So can it just be her name on the suit? Well, John would have to answer that, but I would say, you're all a party. Either one of you could do it. But I mean, John, what do you think. Yeah, whoever bought the coverage, whoever the policy holder is. I mean, essentially, this is a policy of insurance. Whoever the policy holder is is going to

likely have the standing needed. And I wouldn't. I wouldn't risk going to court if everything else was right, only to find out that you lose on standing because you're not the right party. If you really want to go crazy, put both names down, there's no problem with that. It doesn't it doesn't cost anymore to put both you and your wife down. Consentsure both owners of the vehicle. Okay, I'll do that because I'll be handling most of the legwork on this too as it go through. Now, I would first

exhaust the peaceful side. I think sure. I think now small claims you can fill out online, you can you know, have them served all that, So, what what's any right? I am going to go to the peaceful side first. The raistered agent is actually just a few blocks away from me in little and I am going to do that. I just kind of wanted to take this opportunity to get my ducks in a row. Should that

not work and I have to go forward this route? Now? My other question is, I know there's not really discovery when it comes to the small claims, but there's a lot of in those recorded phone conversations. There's a lot of discussion that would be detrimental to their argument. Is there any well you can simply hold on, how do you know? Are you just recalling it from memory? Yes, I'm recalling from memory. Then you can testify as to what they told you on the phone and ask them to testify as

to what they said. No, it's not going to get to court. Bro. First of all, all, I think that, well, you think they'll just first, I don't think I think they have an arbitration clause. That's my gut most most most warranties do now. But I would say, either way, you're they're going to ask you the same stuff. Okay, so you still have to you know. And and by the way, if you say this is what they said and they recorded the conversation, it

kind of puts them on them to prove you wrong. That was my thought as well. If they tried to just beat something I said, God, I'd really be pissed off. What dealer is this, by the way, it's it's a Sonic dealership. Sonics are good. Way whoa woa? Sonics a good organization. I don't say that a lot. Now. What kind of car? Twenty one Mercedes CLS four fifty? Okay? Nice car? Night? Is it Sonic right here on Colorado Boulevard? Yes? The GM there? Have you talk to her? I have not talked to the GM,

and honestly I don't really have. I'm not upset with Sonic and Mercedse. They've been They've been good throughout the process. And no, no, I'm saying, talk to them man that she'll she can put a phone call in and make this happen. Then yeah, and then I'll probably do that through my service advisor and have to speak to the GM too and see if this can be pushed forward. I think you're going to have success at the sonic level now that you tell me this. They're not going to screw around

for a windshield. They're not. Well that's good, that's for sure. Let me know what happens a market. They've been easy to work with, so oh, they're great people. I mean, you know, I have called me since I've been on this phone call. I've done, I've done never mind, I don't want to get into it. But anyway, they're they're good people. Again. I don't have any special deal with them or

anything. I don't you know. I'm just telling you I am pretty impressed, okay, And I don't say say that often, uh three all three seven one three talks seven one three eight two five five Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until

you're content. Time for an insurance check up, free no obligation comparison call Compass insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help You'll think you're his only customer when you choose Frank durand the real estate man dot Com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. You know Jr.

One of my YouTube morons. Wow, one of my YouTube morons asked a question and uh, it caused me to go to ar AI to find an answer. You guys probably already heard it. We were playing at during the break. Anyway, I might do that if I have time. But anyway, let's go back and figure out what's going on with these calls. Stan has a question on a used car. Go ahead, Stan, what's going on? Stan? What's happening? Hey? Tom? Are you doing

this afternoon? I'm doing good. Thank you for listening and for calling. What's happening? Hey? I was wanted? Can we still find used cars with under twenty thousand miles on them? One ownership? You? For sure? For sure you can. You can find used cars under twenty thousand miles, but you're gonna pay a handsome price for it. What are you looking for? What are you looking for? Seriously? Stan, the last two cars I had was only seventeen thousand miles. I had four tours in the

cars three hundreds. What's your budget? What is your budget stan between twenty twenty five? Now, are you gonna pay cash or put money down? I'm thinking on that I can put money down and just leave it and have it coming out in my chick. How much money can you put how much money can you put down? I can put down half of it. Well, I can pay the whole thing off. Okay, now, please please

don't think I'm being crazy here. Okay, Nowadays, nowadays, because of supply and demand and because of the way the market is used, cars are not a great value. They're still cheaper than new cars, but not necessarily a good value. So what I'm saying is this, there are truly some great cars right now. You can get new with a good, healthy down payment. You can have pretty low car payments with ten year warranties. So I'm just asking you to consider it. I'm not saying to do it.

It's truly truly worth looking at. I'm telling you you look at a Kia, or you look at a Hyundai or now now don't now you're gonna pay out the nose for Toyotas and Nissans. But these other cars are just as good. Now, why am I saying it? I'm telling you you can get a sportage. You can get I don't know what size you want. Do you want a little suv or do you want a car? What do you want? Man? What do you want? I've got a full TOAs now so sdan a little Sudan. Yeah, you can get those for a

song man. And not only can you get them pretty cheap. Here's what I love about it. You can get them and you'll have a new car under warranty with nobody's problems. That's what I was looking forward. No, no, listen the reason listen. I have just recently started recommending this when the warranties became so good and the cars became so good, and the use cars have held their values, so obviously new cars are becoming better values.

Now. It's not going to be a good value if you're going to get rid of it right away, but if you're going to drive it and love it, you're going to have one hell of a deal. Especially now. This would not be necessarily for people who are who are weighing buying it for cash a used car or financing a new car. But you're in a position where you're going to finance very little or you're going to pay it off. I'm telling you, bro, you want to consider a new car, you

really do. Now. That doesn't mean you go out and you overpay for it either. Okay, Now I want to ask a few questions here. What kind of what kind of mileage you put on a car? Very little? Now? But I'm retired. Now. You may want a lease, Bro, You may want a lease, and leasing is something people don't even consider anymore. But leasing will give you low payments if you put on low mileage, and I can tell you where to go for that, I would

go right now. I wouldn't go anywhere but Jaffar Cars. And talk to Perry over there. I forget his first name. I think it's Bob Perry. Or talk to jfar Cars. Talk to Rodney, our guy Rodney. If you want to lease a car you're paying now, I just want to give you an idea. Do you know a little sedan called the Kia Forte, a really nice little sedan. Do you know they top out? They top out at twenty five thousand brand new. Yeah, that's something like I

would look into because I don't want no car. No or something coming living on a sixth income and what people think it is? This thing? No, no, this thing will lasts a long time for you. It'll last a long time. Now they have the bigger Kia that tops out at thirty. We're talking topping out, sir. We're not talking about you know, if you want to get a base or model, you can get one for You can get a Kia Forte for around twenty grand right, Okay, Now

look here's where I would start. I'm serious. JFR cars. They're good people. If they don't have a good deal, they'll tell you. They'll say, you know what, go here or go there. That's how good they are. Do you have that number for them, Kelly, I don't have it right on my fingertips. JFMR. I can look it up when I get hung. Yeah, jf R. Okay, and yeah JFR. That would be like you know, Juliet Foxtrot Aromea. Yeah, because I'm looking for some in that range twenty to twenty five. I can get good

of the one I got now, Oh you'll love it. And they have ten the ones i'm telling you about, they have ten year warranties. Yeah, and I'm seventy two, so I won't look by nothing else, you know, once I get this other one. Man, don't you be talking like that. That's gonna piss me off. No, no, no, I'm gonna make it to ninety. But I'm okay. Thank you for calling, and uh, well, just hit the gym, bro, hit the

gym. One more quick question. I guess yeah. My engine light came on this forward toward and I had a lady tell me open my gas cap. Now it could be you know what you do is open it and then tighten it again. Yes, you tighten it. I don't have a cap on this. This one's a cap. Okay. I don't know what it could be, but it could be serious, it could be nothing. You don't want to drive around too long with that engine light. Now, if you drive by Shardan Auto Tech, they'll take a look at it and run

a code for nothing. Okay, yeah, okay, and they'll give you an idea. They're good, honest people. Yeah, they'll run a code. If you pull in and they have time, they'll come out and just hook up a code reader and let you know what it could be. Thank you for calling. Three O three seven to one three talks seven one three A two five five. Speaking of cars, One Clear Choice Garage Doors.

I love these people for the most thorough wonderful garage door service, including if your door doesn't open or close properly, if you need adjustments minor things, the whole door, the whole opener factory authorized for both stores. All of their prices are on their website. One clear Choice Doors dot com. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no

obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino, your trouble shooter three oh three seven one three talk three oh three seven one three eight two five five.

So let's continue here. Anna, you want information on skimming? Do you mean like credit card skimming? What's going on? Yeah? So there was a news story KDVR did something on it, and the Longmont Public Stafety Office posted on Facebook and nextdoor about it that apparently skimmers were installed on the credit card readers at merchants various merchants around Longmont over the long weekend. Wow.

And the issue is they refuse to tell the public because everybody, if you look at the various next door and face book posts, everybody's commenting saying, well which merchants? So you know, people can find out did I shop at one? Now? That would be that would be the obvious thing to do, you would think, so well, they are adamant in refusing to disclose which merchants, and they're replies to people, it's all you know, it's all there to be read. They say, well, you'll just have

this doesn't protect you in the future. Well, of course not, but it does let you know what do you need to do now kind of thing or something right, If you didn't shop there, then you don't have to worry about it. But if you did shop there, you can now decide if you want to cancel your card or what do you want to do? And I would assume that the banks for the debit cards affected, and the credit card companies would probably prefer that customers know and do something in it.

How crazy what you're telling me makes no sense. Yep, well that's why I called so, because yeah, and So. I contacted the Longwot Public Safety Office myself. I thought, well, I'll just call and see, maybe they'll tell me something. Nope, completely refusing, they said, the merchants are victims and they don't want to identify them as victims. Well, first of all, the merchants aren't the victims. Really, they're the intermediary.

The victims are the people and ultimately the banks and credit cards who if money gets stolen they may never recover it. But I also said, well, normally victims are named, unless it's a child or some special situation where you protect the victim's identity. But these are businesses and the public. You know, Longmont public Safety, it's in the name. They're supposed to be looking out for the public, the interests of the citizenship paid exactly the businesses.

I also called the Longmont Mayor's office, and the woman I supposed to there was extremely helpful but obviously couldn't really do anything. But she did say she would pass it along that the mayor's staff was going to pass it along to city council. And so I don't know if they can instruct this Longmont Public Safety Police Department to reveal it. But in the meantime, here we are, members of the public are all trying to get information and for what

you know, for some reason, the Longmont Public Safety pase. Oh man, I have never heard of such a stupid I mean, that is the most ridiculous thing I've ever heard. Yep, so there it is. Well, so I don't know if you can draw a top top of this. And I mean, you know, we have done crazy stuff and influenced people to you know, we have done some crazy stuff like that. I'll tell you. We've had people open up damn investigations when they refuse to in the

past. We've done things. But it might be something worth looking into it. It's crazy that they will not tell but all they say is be on the lookout. Meanwhile, they don't give you any kind Oh my god, this is crazy, right, yeah, I mean it could be. It could. Every single person that did any shopping and long mind over the long weekend is now being told, well, you need to monitor your card statement,

and you know, in other words, it's our problem. You know when when half those people probably didn't shop at any of the stores affected, so they don't have to be quite as stressed out, and then the other half that did can now make decisions call their card companies, put their things on hold, warn the bank, close the car, you know, cancel the card. Whatever they're as it is, they're not giving anybody And it just seems to me like that this is a complete, yeah, absolutely crazy

after application is to the public. Yeah, it's totally crazy. It's just stupid. And I mean and then I don't see what the justification for it is. So we ought to actually, you know, this is something in my opinion, this is something worth looking into. It really is. I mean, so this is long Mont Police. Yeah, it's the long month.

If you look on Facebook you'd probably see it. Longmont Public Safety is the team of the of the I don't know if it's there sort of public you know press or you know, public information, you know, office for the lows. Hey, Kitchina, do you want to do you want to make a call up there? We ought to. We ought to make a call up there and see what the hell's going on seriously. I mean,

it's a It sounds ridiculous to me, It really does. It sounds absolutely ridiculous to hold on and we will, uh we Well, you don't have to hold on, Actually you can listen. I would really like to know what the hell's going on. I really would three all three seven one three eight two five five. Thank you for telling us, John Fuller Fullerlaw.

I got some questions here. Some guy was at an accident or he had an accident and got the name of a witness who now will not cooperate, but he has the name, he knows they saw it, and he has their number and all of that. Have you ever had to compel people? I mean, is there a such thing in personal injury to subpoena people. Well, your subpoena powers don't really come into existence until after litigation has been filed, and so prior to filing a lawsuit, there is no way to

really compel somebody. Oh really, okay testimony, So yeah, but you can't. You know, sometimes people just they just don't want to get involved, and usually it's because they perceive some you know, something negative coming out of it, either that they're they're putting themselves at risk or that you know, they're going to get dragged into some big, you know, proceeding or something. And you know, sometimes I've sent out investigators and had him go

knock on the door and just have a friendly chat with them. And sometimes those people are willing to just sign a statement, and oftentimes that statement will really grease the way towards everything getting worked out in the end, and then that forecloses the need to go into litigation and the need to do anything else. They just you know, at that stage, it's really just a quest for the truth who's at fault for the accident, and once we've got that

established, everything else will fall into place. Okay. So basically we're saying that it's worth uh, it's worth pursuing. I mean, if you know

you're in the right and somebody can somebody can verify it. Yeah. But I think the key to it, Tom, is that you know, the approach matters, and trying to compel somebody is never a really good way to get, you know, really favorable testimony because they know, I know, you quote unknot forget things and misremember or whatever the right right exact or something. But you don't want to piss people off and try to get them on

your side. Is what you're saying that is exactly right, because then you end up sometimes just having an enemy you know, you know or there or the yeah, hey so soprate you know, No, I know exactly what you're saying. That it that that makes a lot of sense. Okay, So we have more coming up on the Troubleshooter Show. Three o three seven one three eight two five five. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time

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

eight two five five. So we're trying to get to the bottom of this uh situation. Where Longmont is putting out a warning, yet they won't tell you where it's targeted. It's the most ridiculous thing we've ever heard. Some credit cards skimming they discovered, but they won't tell you which merchants. I mean, how stupid is that? I guess because they're thinking it'll hurt the merchant. I don't think it'll hurt the merchant. I mean, and it's

something you should know about. Warning you could have been skimmed, but we're not going to tell you where it could have happened. Again, honest to god, it's like what happens to brains in police departments. As you go further north, what happens. Remember what happened with Brighton police. Now I should update that, and I'm going to do it in the next hour because I owe them an apology, not because I was wrong, but because of

the positive action they've taken. The story was unfolding accurately. It was unfolding accurately. However, these people more than made up for it, and I love talking about that. So I got to make a note to update this. Coming up now, John further information here on accident scenes. We talked about dash cams and is there anything special people need to do? If someone says, oh, it was my fault. How many times have we heard

this? And then when it comes down to actually doing a claim, the insurance company says, well, you know, it's like the insured then claims something else. Would it be inappropriate if somebody starts rattling and talking to record them. I mean, it's a one and sense state. Yeah, it's it's probably legal to do that. But I mean, I don't know if if you had any doubts and you wanted to videotape some money. I can't imagine that they're gonna sit there on videotape or or something and just rattle off,

you know, how badly they screwed up in causing the accident. The more important thing to me is witnesses. I always like, you know, unbiased people that witness what happen. If you can get the name and number of one or two people that actually saw what happened and thought to pull over and you know, render aid and that kind of stuff, you know,

short of a dash cam, that's kind of the gold standard. They they tend to discount the two people that were actually in the accident a little bit for obvious reasons, but completely unbiased people that that witnessed what was going on. That that really is hard to assail those people's credibility. Yeah, for sure it is. Now, what about witnesses in your are are they worth the damn? I mean, you know what I'm saying that they obviously,

yeah, they're better than nothing. You know, they're they you know, are they potentially biased? Of course, but they're better than nothing. It just adds it. You know, two people say it versus one guy on the other side. So better than nothing, but not great. I got you. And again we're talking to John Fuller Fuller Law three oh three five nine seven forty five hundred. When he's not here, he's chiming in on this and a bunch of other calls as well. And I'd like you to

stay tuned for the follow up I have on the Brighton situation. And then we tried to get a comment from long Line. Now, Kachina, what did they say, did they say they wouldn't comment or what? What? Exactly? No, they actually were really nice about it. So they're actually in the process of trying to figure out who best to talk to. Good Actually my name and number, so hopefully they'll give us a call back. Okay, that's great. Three O three seven to one three talk seven one

three eight two five five and again I have some stories here. I wanted to talk about fast food restaurants fast service. By the way, there is an estimate that thousands and thousands of these are going to be closing up due to the increase in minimum wages across the country along with the increase and costs for supplies and foods. Or they're going to be at a price point where people are no longer going to go there, and they're saying that the entire

industry has taken a turn. I'm Tom Martinez. We have more coming up on the Troubleshooter Show three oh three, seven to one to three talk. Get your calls in, We'll take them and solve your problems. Go with a sure thing Denver's Best roofer Excel Roofing. You don't pay a cent until you're content. Please time for an insurance check up free, no obligation comparison call Compass insurance paying too much your coverage at dozens of insurance companies find out

now three oh three seven seven to one help. You'll think you're his only customer. When you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Ripped of news, need advis you don't have run as fast as we can show Shooter's gonna help come Man six is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three

seven one three talk three oh three one three eight two five five. What's going on in your life? We've had slam lines all morning and now we have lines open so you can get right through if you have a problem, question or complaint at three all three seven one three talk three all three seven one three eight two five five In with me today John Fuller Fuller Law, and John is our personal injury expert, but he talks about a lot of things. We were talking about some of the issues. Some of the calls

that came in today were quite uh, quite interesting. On uh, the windshield coverage by the way, on cars. I don't like windshield coverage on cars now I like it with your regular insurance. As far as after market, the idea of an F and I financing. An insurance officer or person in a dealership is to try to run up the gross so they make more money and a car. Nothing wrong with that if they if you want to buy the stuff now, the only thing I would buy it an F and

I office and I have in the past, and I don't mind. There's two things I would buy. Two things. Can you guess what they are? John? Now, aftermarket we're talking about the world of extended warranties, credit, life and disability. We're talking about windshield coverage. We're talking about mop and glow, as Mark calls it. Where the paint protecting, the interior protecting, special undercoating, glass protection, theft protection, lowjack whatever.

What do you think I buy? There are two things that I swear to God I will buy every time at a dealership. And they've always made money, not made money, but they've always worked for me. What do you think? Yeah, I don't know. The things that we see that get utilized successfully, most of all are going to be your gap insurances. And then you know, to a degree, I think drive train warranties make a

difference if you're going to keep a vehicle for a really long time. Yeah, if you buy it when it's new, you get a certain amount of concurrent coverage that doesn't really work well. But you're right, But are also the cheapest times to buy, you know. I've seen people that keep their vehicles and put several hundred thousand miles on them and stuff, and they they get their money's worth out of those. But but you know, for most people, it doesn't make a lot of sense. What do you what do

you like? Which one is I like? Okay? I like? By the way, with gap, if you've never bought a car on mistake or overpaid in the past, a gap gap insurance just a word on that. Gap insurance will only pay up to one hundred and twenty five percent of value, not including any previous equity rolled into a purchase. And they'll go back and look, which means this, if you're trading in a car and you owe a little more than it's worth, none of your new negative in equity,

right, yes, negative equity, that's right. So yeah, if negative equity is rolled into the next deal, none of that negative even if it's within the one hundred and twenty five percent, they won't pay it. The only the only difference they're going to make meean what the insurance offers for your car and what the payoff is is if you simply bought the car for MSRP or less and if you paid more, that's on you. Okay,

they will not pay what I call stupidity insurance. A lot of people think if they overpaid for a car and they get in an accident, they're going to somehow get made whole through that car payment. I'm seeing that car loan, They're not going to. There's a lot of stuff on gap insurance. And I'm not saying it's a bad coverage. I'm just saying it's not going to cover stupidity. It's only going to cover a car that depreciated. That's

so. I will also tell you though that I mean, Tom, you know, people get victimized in these accidents, and it's just a shame. But I've seen people that you know, are financed up to the hilt and and maybe they're you know, the car is depreciated to the point where there are a couple thousand dollars upside down. But here's what happened. The car gets totaled. The actual cash value of the car is you know, two

or three thousand dollars less than what's owed on it. But then they have to turn around and try to buy a new car, and the bank is saying, we want our two or three thousand dollars, and they want that back now because they have no collateral on it and they need a new loan on a car. So it's it's really I mean, your damages are magnified way out of proportion with the actual dollar amount of the deficit. And so

I have seen where it's really saved the day. It's not a magic one that can make up for somebody's just you know, foolish, you know, borrowing and buying every single aftermarket everything you can possibly finance on a car. But if you're you know, if you're going to be close and you're not one to really have a lot of equity in a vehicle, it is worth its weight in gold. You know two things I buy every time? Prepaid

service, not a service contract. It's pre paid service. Now, why do they sell prepaid service because they want you to come back to the dealership. Okay, and you can take it sometimes to other factory dealers, but they want you to come back for service. So a prepaid service is not for warranty. Warranty is wary as warranty, you're going to get that anyway. But prepaid service is for the stuff you would normally pay for oil changes

or certain things that aren't covered under a normal warranty. What I'm saying is that is always cheaper to buy up front, always, always, always prepaid service. And we like on a thirty six thousand mile check on a Beamer or a Mercedes, that could be a lot of money, and you pay probably half of it if you buy it up front. So what they're betting on is you're not going to keep the car, or you're going to at least keep coming back there. But prepaid service I have found works. I

found another thing that works. Wheel protection. Let me explain why you are very seldom going to put in an insurance claim for a bad wheel or scraping a wheel or screwing up a wheel to put it in a collision coverage is stupid, comprehensive of stupid. Now wheel protection. These wheels are like and

some of these cars are two thousand dollars apiece. I did not buy one one time, and that was the first time, and that's the last time I didn't buy it, and I can't believe how easy it is to scuff up those high falutin frickin aluminum wheels, and it costs me two thousand dollars two thousand dollars to get them buffed out or fixed. The wheel protection was fourteen hundred bucks. Now, let me explain something. I have never not

used it ever, and I'm not talking about collisions necessarily. If you look at most cars and you look at their wheels, they're all scuffed up or scratched, or they're they're terrible. You don't it doesn't have to be at fault, no fault, negligence, no reason. If it's scuffed up, if it's cracked, if it's broken, if it's if it's warped, if it's the lip is bent, whatever, whatever you did, they cover it.

That to me is unbelievable because your insurance would be sky high if you tried to put in those claims on your insurance all the time, and sometimes it would be right at the deductible. So prepaid service and wheel protection. By the way, I have not forgotten about Brighton police follow up. But I want to go to the phones because people are calling and they take priority. So, Brian, what did you want to talk about? Brian? Hey, Tom, I have a Chevy Impaula that got the hit basically the

hail beat out of it really really bad. So a lot of dance all over. If what will the insurance company do if it's more value than it's worth, Like, if it's a total, how does that work for us? Now? Here's what's here's what's good with Hale. Here's what's good with Hale. I mean, if there's anything good, if you have full coverage, you're going to get they're going to total it and you're going to be able to buy it back. And the good news is you don't get a

salvage title with Hale. So the title is not branded and you simply get to drive it as long as you want and sell it if you want. Of course it's going to have a hit and value, but you're going to get a good dollar for it. So that's how it works with hal damage. So what would be an example if they to buy it back? How does that work? Now, here's what it normally would be. Here's the you know, that's an age old question, and here's what it is.

Normally. The salve value should is take the salvage value and you add to it. No matter what you add to it, you add to it the cost of repairs, and those two costs should add up to a good market value for that car. Now again, if it's a twenty eighteen, what is the market value of twenty eighteen? Right? What is your car worth? Right? Now? Do you think? What do you think it's worth eighteen to twenty? Okay? What do you think the repairs will be?

I'm not saying you'll have it done, but if you did have it done, what would it be about? What's fifteen? Getting them checked later? Probably max? Probably how much? Probably fifteen thousand. Yeah, So let's say fifteen it's worth eighteen. Then that tells you the salvage is probably worth three. Probably, But usually usually what you do is you take the salvage. I would not pay more than twenty five percent salvage. I would argued all day long, but you I think way less than For example, on

your car. The older the car, the worse it is to try to figure salvage. But let's say they give you fifteen, they'll probably just they'll probably take off no, I fifteen might be no, they would have to give you more. If your car's worth eighteen, they're gonna give you more than fifteen. They'd have to give you whatever your car's worth. I don't know what it's worth. I don't have time to look at it. But let's just say your car's worth sixteen. They would probably then ask for about

one thousand dollars off for you to keep it. Plus you're deductible or minus your deductible. So let's say you have a one thousand dollars deductible, a one thousand dollars salvage, the total is sixteen. You're gonna get a check for fourteen and get to keep the car. And that's how it works. And then any outstanding loan just we give us just to pay Yeah, what do you owe on it? Su fifteen? Yeah, so you're you're just

gonna basically have enough to pay off the car. And then if they come back to insurance and says it's less than they obviously just fix it and I just take it back like a regular. Well yeah, yeah, if it's worth fixing, they'll fix it. But when it starts approaching seventy five percent of market, they or wholesale, they're going to total it. They're going to total it. Now. Remember on a total car, you're entitled to the market value of the car a few seconds before it got into an accident,

plus sales tax. Got it all right? Let me know what happens, bro, who's your insurance company? They're not too bad. They're not too bad. They're not They're not lying crooks like Fred Loyer. We got more coming up. Three all three seven one three a two five five. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free,

no obligation. In comparison, call Compass Insurance. Paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the Real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Denver's Talkstation online at khou dot com. Hi, Tom Martino, your troubleshooter three O three seven one three Talk Real three

seven one three eight two five five. Welcome to the show. Let's talk. Kevin. You have a comment on warranties. Go ahead, Kevin, Kevin, do you have a comment on warranties? Yes, yes I do. We took and we bought a brand new board f one f rands. It was like a seventy thousand dollars truck, yes, sir, and I took and we got that quarrantine like you're saying, we got all the oil changes and we got paint and the wheels. And then two years later Bradley

sold out to Alpine Board. An alpine Board honor any of it, So we kind of got screwed out of it. No, wait a minute, Wait a minute, Wait a minute, Wait a minute. You bought prepaid service. Normally another franchise, all franchise dealers will honor the prepaid services. Well this one, yeah, alpine Board won't. Then you must have I'd have to see the contract, but they have to honor it unless it was this Wait, unless this dealer, let's just say the dealer, ABC dealer.

They sold their own brand of prepaid maintenance. In other words, you have to come back to ABC. And then ABC goes out of business or sells to another company. They're no longer in business, a new entity takes them over. I could see a scenario where they would say, we didn't sell you that, man, that's not ours. But normally the prepaid service is part of a manufacturer's offer along with the dealership. You know, they want to keep you in the I don't know what kind you have, man,

Now, what else? Won't they honor the prepaid maintenance and what else? Yeah, the maintenance, the pains and the wheels, but all we usually use it for as the oil changes. And when we took it back in for the all change, they said, we don't honor it anymore. Well then then they want well listen, Kevin, Kevin, Kevin, I don't know. I don't know what kind you have. That's the bottom line. If you want to send it to us. But I'm telling you that

it sounds weird. It sounds to me like that previous dealership was selling some kind of a local, uh little prepackage. And and if that's the case, then that's the case. It could possibly be. Let us know or send it. Kelly'll tell you how you can get it to us. Three all three seven one three eight two five five. Karen, what's happening with your swamp cooler? What do you need? The swamp coolers are kind of like old hat and no one likes them anymore or not many people do.

What about you, Karen? Looking for a personal Yeah? Can you hear me? Yeah? You're looking for what? Oh? A portable swamp cooler? Do you know they all have an automatic shut off feature for when you run out of water? I don't actually know that. I actually don't. I would assume they're on timers. But I want to ask you something. You're talking about, the good old f you know, portable swamp coolers.

You see, In order for a swamp cooler to work, it has to be in enough heat that the water evaporates, and then the fan moves the cooler air caused by evaporation into the home. And I don't understand how the portable one would work. You'd have to have it somewhere that the sun gets on it. Oh No, I don't know about that. Have you actually ever seen a portable one? I've looked at a million of them on hitting internet. Well, I don't think they work very well, is what I'm

telling you. And the reason I think the reason Let me tell you why I don't think they work very well. Is because the whole nature of an evaporative cooler is to take advantage of the coolness created by evaporation. Now, if you have it exposed to the sun, the evaporation will happen. You will get the cooler air around the media and it will then be able to be that air will be able to be fanned into the house. But if you have one inside the house that is portable, what you're doing is you're

using the cooler. As the air gets cooler, you're going to have less evaporation. I mean, you will get some just because we have a dry climate, but it's not going to work optimally. Why wouldn't you get a portable or a window mounted air conditioner, or do you want to carry this swamp cooler around from room to room? Well, I just I paid someone six hundred dollars to work theme a swamp cooler, and boy if it didn't leak all over my floor. No, No, swamp coolers are bad news.

Plus they put too much moisture in the air. By the way, this one I'm looking at, just this one for example, called Economy. It has a low water level shut off, and in fact most of them I'm looking at they have that. It's called a water level shut off. I think they. I think they from what I can see right now, I think most of them have it. Now, Yeah, what are you looking for? As far as price, Well, whatever it takes, not

thousands and thousands. Well, I mean they have them at all price ranges, Like they have some pretty good ones on Amazon for around four hundred, for around four hundred bucks. They have some even cheaper, but they're very little. Right, do you have an Amazon account? Well? What's that? I don't, but I don't, but I could. How much of an area are you trying to cool? Oh? I had it written down here. Let me shoot, it's as big as a single wide mobile home.

Okay, so let's say eight by what twenty eight by thirty and no, eight by could be eight by sixty. How how do you know how long you're it's eight by sixty? I would say that. Okay. Now listen, here's what you want to do. If you're going to get something like that, it's gonna be about it's going to be very inexpensive. You can get one on icye one here for five hundred square feet. I see

one here for one hundred and sixty six bucks. In fact, you can get a couple of those, put one on each end and it might work pretty damn well. They're on Amazon. Okay. Where is your trailer? Where is your trailer set up? What part of town? Golden? Okay? And you do have Amazon? Right? I don't, but I could. I would do that. Let me tell you why. They'll ship it right to your damn door. And the shipping is the shipping is free. What you want to look for? It is called I'm trying to get the

name of it. This one is a really good one. It has a lot of good features in it, and it's only one. It's prime, meaning you can return it if it doesn't work well. And it's the only name I can see here is called uh it's called portable swamp coolers and it's in evaporate of cooler. I can't find the name of it. Uh. Hey, Tom, you might want to take one one. Okay, hold on, let's go to Keith. Keith, go ahead, what's going on? Keith? Hey? Tom? Am I doing? But I got a

good one. I have an aqua cool that I can just give her. It has a remote control, but she does have to put it in the window and you got to add water, you know what I mean. That might be difficult in a mobile home though, but the window ones will work better. You know how does the window ones do work better? Because it's exposed to the hot air and the sun which evaporates just exhaustco itself, you know what I mean? But what is it called? It's called an aqua

cool aqua cool? And how big is it? I bought it? I bought it a home deeple. You know my son a long a while ago, he was always hot, even with the air condition as we added that to this room, and you know, the sun's face out of an afternoon and that's why we l liked it. In the sun. Did it work? Okay? Yeah? And I mean it's just you know, I own a plumbing company. Okay, she's in Golden, She's she's in Golden What

part of town are you in? I live at you know, Katschina, Let's see, you know, you know, I don't know, Karen. I don't know, Karen. Do you have any way if if he dropped it off at the station, would you have any way of getting that picked up? It would take me a little time and I could figure it out, or maybe we can have one of our deputies drop it off. How far into Golden are you I live? Where are you Karen in Golden Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay

a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance Paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Bye Tom Martino, your troubleshooter three O three seven

one three talk three oh three seven one three eight two five five. Bill's got a comment on air conditioning? Go ahead, Bill, what's your comment? Hey, didn't they say? Those said that woman and the guy. One guy had a swamp cooler and one guy had an The woman had an air conditioner. They don't mix. The woman had a swamp cooler and wanted a swamp cooler, and the guy had a swamp cooler oh he did. Oh, I thought they one had an air conditioner. Well, which one

do you think had the air right? Maybe he did? I thought he said swamp one woman had the air condition just the guy said they used water and one. You know, one takes the water out and one puts water in. No, I get it. Bro and Bill, I think both of them were talking swamp coolers. Unless I was missed, I think so. But thank you Bill. Mike. What's going on with you? Hello, Mike? Yeah, I'm a little while ago. You mentioned yed that have a higher wheels repaired or replaced? Where do you get that done?

I have one that Oh okay, the dealership found the place for me. But I think I remember the name. There are a couple really good places in Denver that specialized what they It's amazing what they can do. They spin them and on a lathe or they they uh somehow soften them and and reshape the lip there. Now, there are certain things they can't do, but but most of the time they can do a pretty damn good job unless you ding them up really bad. And you know, I got the dealership,

as I said, what kind of car do you have? Alexis okay? If you call the Lexis dealer, they have no problem telling you who they use, but it's alloy if you google. This is what I did, but the dealership ended up saying, here's where you go Alloy wheel repair Specialists or Aluminum wheel repair Specialists, and there are some that are outstanding. Again, I wish I remembered right off the bat. Damn it, I wish

I remember the ones I went to. But I'm sure if you google it and look at the reviews you can find out, or simply call the dealer and say who should I use? There are some ones. There was one really big one in town here. They're incredible. I'm trying to find it here. Well, one is actually called Alloy Wheel Repair Specialists, but I

don't know. I'm not saying those are the ones to go to, but there's actually one actually called that, and where are well they seem to They say, put in your zip code, so that could be a nationwide thing. But so I can't tell you right off the hand exactly where to go. They have Wheel Repair Specialists of Denver that is somewhere that I'm seeing. It has good reviews, And again you'd have to how bad are the dings on your wheels or the scrapes. It's a break in the rim. Uh

you mean like a crack right through. Yeah, it goes down. I don't know, maybe or something. Oh oh, I don't know, man, I don't know they weld and finished those out. I really don't know. I just don't. But that is one area we should really pursue for the referral list now and now with more and more fancy wheels, holy crap, everywhere I look now because I ding mine. I always look at people's

wheels, right, It's like a shoemaker looking at his shoes. I can't believe how many nice cars I see with problems with their wheels, because it's either from parking or hitting a curb or whatever. And it's ridiculous how many I see. In fact, I i'll tell you what, I probably see more that have at least one wheel dinged or dented then I do perfect four wheels. Very seldom do you see a car with four perfect wheels. Anyway, Thanks a lot for calling and let me know what you find. But

I think I think the dealership is going to be your best source. We have one thing I want to discuss with John is health insurance because there seems I actually got did you know I actually got a question a one time when I was going I forget what it was. It was years ago, and it was from my health insurance and it asked me it says we were retained by such and sus to ask this. And then they asked me four questions, And do you know what One of them was? Was this injury done

at work? The second one was it as a result of a car accident? And then there were two other questions. Why were they asking that? John? Okay, So here's the deal. Every time that you get in an accident and it's somebody else's fault, if your health insurance pays out towards those medical bills, the chances are pretty good that they have a contractual right to get paid back out of any money that you collect from the right. So hold on, I want to go with that and find out what that

means in an auto accident and a settlement. Right after this, go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pass se until you're content. Time for an insurance check up free, no obligation in comparison call Compass Insurance paying too much your coverage at dozens of insurance companies.

Find out now three oh three, seven to seven to one help You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine here, three three seven to three talk. I just want to bring up I'm not going to get into the whole story with Brighton Police what. I just want to do this follow up. Okay, they did reopen it, they did stake out the guy, they found him,

they got the truck, and they arrested him. Now I'm going to give way more details on car Day tomorrow, but I wanted to let Brighton Police know we really appreciate that they did this. Now, did we prompt them to do it? Did we prompt Adams County to call him right after the show and do all of that? Look at I'm not going to rub their nose in it when they're doing the right thing. I do know this.

Okay. They also have found a theft ring as a result. I'm being told now this is people close to the investigation that I'm not going to rat on, so right, who I accused of not investigating this? The case was reopened the guy that had the soulden truck at Adams County Courthouse. They let the guy go that was smoking dope. That guy is now arrested. Now, John Fuller, let's talk about health insurance and when you're in

an accident using health insurance and get can they take from your settlement? Well, the short answer, Tom is yes, but it's a qualified yes because it depends on the type of health insurance. So you have a number of different types out there, spanning from a small employer single policy all the way up to a large mega employee that's self you know, funded a risk a

qualified type plan. Union plans are very very different. So the important thing for your your listeners to take away from this is that you cannot ignore the rights of your health insurance. If you have an accident and you're trying to wade through this little process on your own, it's critically important. If you don't honor your contractual obligations, they can literally shut you down and not pay for any of your future treatment. And that's a terrible thing to set yourself

up for so, particularly with critical injuries. Give us a call. We can help and we can bring a lot of value to that. And that's three all three five nine seven forty five hundred five nine seven four five zero zero. Remember, folks, save all your problems for me.