ROL_2009-10-03_16k_After_Midnight.timecode

[00:00.000 --> 00:28.240]  Okay, we're back special special case of over time all right
[00:28.240 --> 00:34.080]  because I'm I don't have a client tonight I do have to make a living
[00:34.080 --> 00:39.240]  sometimes so I do studio work for clients late nights but I don't have a
[00:39.240 --> 00:43.280]  client tonight so we can do the overtime mode for a little while all right I've
[00:43.280 --> 00:50.000]  we've got four we've got we've got four callers line okay three callers on the
[00:50.000 --> 00:54.800]  line we've got Jeff from Maryland Ron from California Jesse from Texas and
[00:54.800 --> 00:59.520]  another caller that wants to know it looks like he's just listening because
[00:59.520 --> 01:08.480]  the listener line switches over to Alex Jones replays at midnight so okay so he
[01:08.480 --> 01:13.280]  wants to he's listening and he wants to know about more about Mike's CD okay so
[01:13.280 --> 01:24.280]  let's first let's go to Jesse in Texas I'm sorry Jeff from Maryland and says
[01:24.280 --> 01:27.200]  that when he's one of Mike's friends Jeff thanks for calling in what's your
[01:27.200 --> 01:31.840]  quote what's your question for our guest well I was you know I had promised Mike
[01:31.840 --> 01:38.640]  that I would call in oh it's Jeff Sedgwick hey how's it going if I saw
[01:38.640 --> 01:42.560]  something that didn't get covered that I thought ought to be covered that would
[01:42.560 --> 01:47.800]  call in and slip a little reminder in there and sure enough just before the
[01:47.800 --> 02:00.520]  call ended he mentioned overshadowing so I was already locked in but at the same
[02:00.520 --> 02:07.720]  time I've listened to about 90% of the call or the broadcast but but I I don't
[02:07.720 --> 02:13.120]  remember if Mike mentioned what the young lady in Oklahoma did to the debt
[02:13.120 --> 02:25.200]  collector just prior to having launched her suit Mike do you remember hello oh
[02:25.200 --> 02:28.760]  wait hold on hold on somehow he got muted I don't know how that happened I
[02:28.760 --> 02:36.400]  didn't I don't see him oh he's gone okay hold on all right well hold on yeah
[02:36.400 --> 02:41.520]  it's your fault Jeff you called in you didn't kill him with the he saw yeah he
[02:41.520 --> 02:45.840]  heard your voice and hung up what's the deal
[02:45.840 --> 02:54.400]  hold on hold on okay well he might do he call in on his mobile because it may
[02:54.400 --> 02:59.400]  have run out of battery yeah he's he's calling back yeah he called he called
[02:59.400 --> 03:04.860]  back in he called back okay great yeah okay so he kind of
[03:04.860 --> 03:11.840]  Mike you there I'm here okay great great you you're just voice and hung up
[03:11.840 --> 03:14.720]  yeah that's it
[03:16.720 --> 03:22.480]  how are you I call him he wants he demands to know what it is why I'm
[03:22.480 --> 03:31.760]  calling what do I want you know you and I it prior to the beginning of broadcast
[03:31.760 --> 03:36.880]  had a little brief conversation and what you said if I saw any small detail that
[03:36.880 --> 03:40.080]  I thought was significant that I would call in and remind you of it and I
[03:40.080 --> 03:44.160]  called in to remind you of overshadowing and just before the end of the call you
[03:44.160 --> 03:50.480]  handled it yeah yeah exactly and as I was telling
[03:50.480 --> 04:01.440]  Deborah and Randy and Eddie I was on 90% of the call so I don't know if you
[04:01.440 --> 04:07.920]  actually handled or spoke to what the young lady in Oklahoma did just prior to
[04:07.920 --> 04:15.540]  the lead the litigation and no I didn't know about so much but yeah I I could
[04:15.540 --> 04:21.680]  speak on that if you want me to I think you should because you know it's it goes
[04:21.680 --> 04:29.840]  to employing just a little bit of ingenuity yeah and and before I surrender
[04:29.840 --> 04:38.680]  here just to expand on the uses of this yeah Mike and I or it has set up an HOA
[04:38.680 --> 04:47.680]  attorney to be taken into federal court on the FDCPA at the same time we're
[04:47.680 --> 04:53.760]  going in on the FDCPA we're dragging state law for felonious slander of title
[04:53.760 --> 05:03.800]  in with it yeah so it is a it is a multi-pronged multi-faceted way of
[05:03.800 --> 05:11.360]  dealing with things so just you know just to let your listening audience does
[05:11.360 --> 05:15.800]  it this has more this more than just say car loans or credit cards this can be
[05:15.800 --> 05:20.080]  employed in a number of different directions yeah in the meantime yeah go
[05:20.080 --> 05:23.320]  ahead take it away with the I'm not going to miss your name that's going to
[05:23.320 --> 05:28.240]  be up to you right right right well the first name is okay her name is Marcy and
[05:28.240 --> 05:35.160]  she's young lady and I said 35 she's in law school and she's not going to be a
[05:35.160 --> 05:43.480]  lawyer but she's in law school anyway she loves to research stuff and I would
[05:43.480 --> 05:49.000]  not want to come up against her arguing because she's pretty aggressive okay and
[05:49.000 --> 05:54.640]  but she's to the she's to the facts of things that's what I like about her she
[05:54.640 --> 06:00.560]  just you know why are you doing this why are you doing it that way anyway she
[06:00.560 --> 06:04.600]  went after I talked about this case earlier they she had a claim in her
[06:04.600 --> 06:08.640]  credit report for two hundred and sixty eight dollars for a year for a loan she
[06:08.640 --> 06:15.240]  never had at some school she never went to and this credit card just debt
[06:15.240 --> 06:21.440]  collector was calling her corner out of Illinois and just harassing her not
[06:21.440 --> 06:25.640]  getting out of her credit report she took them into court and just before she
[06:25.640 --> 06:29.160]  took them into federal court she pulled a real fast one you know there's a lot
[06:29.160 --> 06:33.760]  of strategies you use and when you're up against these guys and you learn them
[06:33.760 --> 06:37.440]  and they really work she really pulled the fast one and the fast one she pulled
[06:37.440 --> 06:44.800]  was that she called every law firm in the surrounding Oklahoma City area where
[06:44.800 --> 06:49.720]  she lives that represents debt collectors and talk to them about her
[06:49.720 --> 06:59.000]  case and the point the point is is that is called a conflict of interest so the
[06:59.000 --> 07:03.600]  debt collector called them up and said I want you to handle this case for me and
[07:03.600 --> 07:07.240]  they brought him on she could immediately say he can't handle that
[07:07.240 --> 07:13.520]  case it's conflict of interest I thought that guy a couple of weeks ago so I
[07:13.520 --> 07:18.120]  don't know how many she called but she she was pretty focused on doing that to
[07:18.120 --> 07:21.760]  kind of stipend who they're going to get to represent them in the federal court I
[07:21.760 --> 07:34.120]  thought that was pretty neat so did I so now they have to hire someone out of the
[07:34.120 --> 07:41.520]  area she just increased their expenses exponentially yep yep and and no they
[07:41.520 --> 07:45.360]  got this and she's got a guy that don't even want to talk to her the lawyer
[07:45.360 --> 07:53.280]  doesn't even want to talk to her however he told her last week that his client is
[07:53.280 --> 07:58.480]  willing to settle and he should have a settlement offer in about two weeks
[07:58.480 --> 08:12.880]  and you know I walked her through some of the stuff she learned it and once you
[08:12.880 --> 08:16.480]  learn actually once you learn how to do this it's a lot of fun because you know
[08:16.480 --> 08:19.280]  you're here you just know what they're going to do and you know what they're
[08:19.280 --> 08:26.640]  going to say and and when you know that you can be prepared and it's like
[08:26.640 --> 08:29.800]  rolling out of bed in the morning you put your two feet on the floor that's it
[08:29.800 --> 08:35.680]  nothing gets simpler I'm a very aggressive person when it comes to this
[08:35.680 --> 08:40.080]  I suggest the people when you come up against these guys to go investigate them
[08:40.080 --> 08:44.240]  and see who you're coming up against debt collectors don't look at them in
[08:44.240 --> 08:48.760]  pacer and see how many times they've been sued now you really know who you're
[08:48.760 --> 08:53.480]  coming up against go check the lawyer that they hire go check him or her out
[08:53.480 --> 09:00.120]  in pacer and see if he's ever been in federal court a lot of stuff you can
[09:00.120 --> 09:08.160]  know and I put it very simply very old old saying know thy enemy know thy enemy
[09:08.160 --> 09:11.440]  and you know who you're coming up against this is the strategy that you
[09:11.440 --> 09:27.080]  use okay good we have a couple more call yeah do you have anything else Jeff no that's it okay great thank you thanks for calling in Jeff okay we are now
[09:27.080 --> 09:33.840]  going to Ron in California and I'm having a little bit of trouble here with
[09:33.840 --> 09:45.400]  my mouse Randy can you can you punch Ron in Randy yeah I'm punching him in okay
[09:45.400 --> 09:49.600]  great where'd he go for a second turn I was thinking your mouse is not the only
[09:49.600 --> 09:55.640]  problem you were having here somebody muted my mic and okay I got it I got it
[09:55.640 --> 09:59.240]  I got it Ron thanks for calling in what's your question for our guest Mike
[09:59.240 --> 10:05.640]  thanks everybody you're doing a great job the the 72 point ladder that you
[10:05.640 --> 10:10.680]  talked about for a notice of lawsuit yeah what else is in that what's the
[10:10.680 --> 10:18.140]  second part of that well it just basically says you know it's the open
[10:18.140 --> 10:22.400]  document says on the very top the notice of pending lawsuit nice and you know
[10:22.400 --> 10:27.400]  Roman style letters and 72 point then it drops down the bottom and it says you
[10:27.400 --> 10:32.360]  have until such-and-such a date to respond to this I will entertain your
[10:32.360 --> 10:37.280]  settlement agreement barring lack of response from you in this matter we will
[10:37.280 --> 10:42.840]  proceed to the federal courts to resolve and I might get a little wise essay in
[10:42.840 --> 10:47.900]  there excuse my English I'm sorry don't make the mistake of ignoring this the
[10:47.900 --> 10:52.480]  ball is in your court cure or be sued and I just sign it with my contact
[10:52.480 --> 10:58.000]  information underneath that's it and lay that over the top of the pin of the
[10:58.000 --> 11:02.600]  actual complaint and then they can decide what they want to do okay so what
[11:02.600 --> 11:07.400]  you're just doing is noticing them and then giving them what how many days
[11:07.400 --> 11:15.760]  secure 10 days 10 days and on the 11th day I go down a federal court and file
[11:15.760 --> 11:24.200]  okay and then now if they have to respond to you on the 11th day and they
[11:24.200 --> 11:27.800]  saw geez you know we were just you know okay well no problem you only only the
[11:27.800 --> 11:32.040]  court costs now so plus you know whatever settlement agreement we come to
[11:32.040 --> 11:37.440]  well you don't want to do it you know no problem we'll just move ahead in the
[11:37.440 --> 11:40.480]  federal court why would they be calling you up wanting to settle if they didn't
[11:40.480 --> 11:43.920]  want to do it you know that's their problem that they didn't respond in time
[11:43.920 --> 11:48.480]  not you mm-hmm in other words they're showing good faith at that point that
[11:48.480 --> 11:52.400]  they're serious about doing something about getting rid of the the issue
[11:52.400 --> 11:57.200]  exactly and and you're in one of the best federal court areas in the country
[11:57.200 --> 12:04.760]  the 10th Circuit out there is very very sympathetic to consumers really yeah
[12:04.760 --> 12:11.240]  well yeah I'm going to all the details but this entails my parents who's 91
[12:11.240 --> 12:17.360]  years old and I thought my god I think that's going to elucidate some sympathy
[12:17.360 --> 12:23.120]  from oh yeah from the whole situation oh yeah yeah yeah oh yeah banksters
[12:23.120 --> 12:27.520]  praying on elderly people yeah man that's not going to go over well at all
[12:27.520 --> 12:33.560]  well that's that's what I'm thinking so anyway I thank you folks and it's been a
[12:33.560 --> 12:37.920]  wonderful program and you guys are getting better and better and better and
[12:37.920 --> 12:42.480]  better oh thank you we appreciate that and have a good evening all right thank
[12:42.480 --> 12:47.360]  you right good night good night okay we got one more caller here on the line
[12:47.360 --> 12:51.760]  Jesse from Texas okay Jesse thanks for calling in what's your question for our
[12:51.760 --> 12:59.600]  guest well excellent show tonight and I just wanted to the correct spelling for
[12:59.600 --> 13:07.800]  the website on your remedy your remedy is in the law that's what just everything
[13:07.800 --> 13:15.720]  run together your remedy is in the law dot-com okay could you spell remedy for
[13:15.720 --> 13:29.440]  me R E M E D Y R E M E D Y remedy yep R E M E D Y remedy your remedy is
[13:29.440 --> 13:34.560]  in the law and when you go and sign up there there's no cost or anything
[13:34.560 --> 13:41.280]  involved they just they'll ask you your email address to register and then you'll
[13:41.280 --> 13:45.760]  get an email notice back saying you're all set to go and you'll be able to
[13:45.760 --> 13:52.600]  access the site and they do a lot there like we do here not as you know many
[13:52.600 --> 13:58.520]  hours but they do mortgage stuff they do fair credit that collection they do
[13:58.520 --> 14:03.840]  traffic tickets all that kind of stuff so the purpose of the email is that what
[14:03.840 --> 14:08.240]  once you get signed up there you'll get an email of the next show that's coming
[14:08.240 --> 14:11.920]  up but it just tells you hey we're going to be discussing this tonight if you're
[14:11.920 --> 14:16.400]  interested tune in and you know you're under no obligation to tune in but it's
[14:16.400 --> 14:19.960]  nice to know sometimes you get stuff in there that you're interested in real
[14:19.960 --> 14:25.280]  simple absolutely thank you and when you when you go in there you just go under
[14:25.280 --> 14:29.400]  information providers you'll see the button and you click on that you'll see
[14:29.400 --> 14:34.040]  all the names come up and I'm in that list I think there's about 10 or 15 names
[14:34.040 --> 14:38.280]  and there's information providers and you'll see my name you click on that
[14:38.280 --> 14:46.880]  you'll see the disk okay Mike what is your last name Mike M I R R A S
[14:46.880 --> 14:56.680]  Muris M I R R A S okay thank you all right thank you Jesse okay that's all
[14:56.680 --> 15:00.880]  the callers for tonight except there was one of the caller who didn't want to go
[15:00.880 --> 15:05.920]  in the air he just wanted more basically just more information about your CD yeah
[15:05.920 --> 15:15.440]  and I guess I had a question too is that can people pay with PayPal I don't know
[15:15.440 --> 15:21.320]  I think so I forgive me I don't know okay I guess I should have asked that
[15:21.320 --> 15:29.400]  question before I'm guessing they can but there's enough contact information
[15:29.400 --> 15:34.280]  there to you know to find out from the host of that site so on and so forth I
[15:34.280 --> 15:40.000]  never looked I never thought about it okay well I'm sure there's different
[15:40.000 --> 15:44.920]  payment options there's credit cards and I'm guessing that knowing the guy that
[15:44.920 --> 15:50.280]  runs this I'm pretty sure that he would have PayPal in there okay so do you want
[15:50.280 --> 15:55.760]  to give us any more information about your CD for our listener well it's
[15:55.760 --> 16:01.600]  available it's a step-by-step way of doing this stuff so obviously doesn't
[16:01.600 --> 16:05.280]  have everything we discussed in there because it would be a Bible by the time
[16:05.280 --> 16:10.160]  you got done with it but this gets you started it gets your feet wet it's
[16:10.160 --> 16:15.960]  mainly directed at the debt collectors there's different ways of handling the
[16:15.960 --> 16:21.120]  creditors as opposed to just debt collector versus just the creditor and
[16:21.120 --> 16:25.640]  then there's ways of handling the credit bureaus which we haven't even gotten
[16:25.640 --> 16:30.240]  into okay how do you sue the credit bureau how do you get them to do stuff
[16:30.240 --> 16:36.920]  and it's a little different all basically violations of fair credit a
[16:36.920 --> 16:45.360]  little bit different approach but that might be a call for another night and the
[16:45.360 --> 16:51.320]  document is very easy to read very easy to understand takes you through some
[16:51.320 --> 16:55.360]  situations it shows you the complaints what they look like it shows you the
[16:55.360 --> 17:01.000]  business plan to prepare for 26f even out the stuff in there for default
[17:01.000 --> 17:05.480]  judgment so if they don't answer in 20 days that document is there you could
[17:05.480 --> 17:14.120]  see what that looks like and also the competency document that you add to your
[17:14.120 --> 17:18.680]  default judgment that the point that the defendant is competent it's not a child
[17:18.680 --> 17:24.280]  etc etc and prepare all that stuff and you take it into the court and if they
[17:24.280 --> 17:28.680]  don't answer well you get yourself a default judgment that's in there what
[17:28.680 --> 17:32.640]  can you do with a default judgment is in there you know you can you can seize
[17:32.640 --> 17:36.640]  their bank accounts you can seize their their trucks if they got them you can
[17:36.640 --> 17:41.320]  seize furniture the best part I like about it what I would do if I got a
[17:41.320 --> 17:46.080]  default judgment the first thing I would do is I would contact Dun and Bradstreet
[17:46.080 --> 17:51.480]  and put the judgment in their credit report because you're the only one who
[17:51.480 --> 17:56.360]  can remove it there you go and I'll close on that note what's good for the
[17:56.360 --> 18:00.960]  goose is good for the gander for real yep all right well Mike thank you so
[18:00.960 --> 18:04.920]  very much and I just want to encourage all the listeners again to get Mike CD
[18:04.920 --> 18:08.400]  by the way we're not getting a cut off of this we just believe it's good
[18:08.400 --> 18:14.400]  information and you know for it's like $300 I mean most people will have at
[18:14.400 --> 18:18.920]  least that much headroom on their credit card so use up some of that headroom
[18:18.920 --> 18:25.160]  before you stop making the payment and get Mike CD and you know and for ours as
[18:25.160 --> 18:30.080]  well the seminar the webcast the we're gonna you know hopefully we'll be able
[18:30.080 --> 18:33.520]  to do the webinar if we have enough interest we certainly will be recording
[18:33.520 --> 18:38.660]  it and selling that after the fact and you know people for the cost of a
[18:38.660 --> 18:42.160]  speeding ticket and you know one speeding ticket and one failure to show
[18:42.160 --> 18:48.320]  proof of insurance you can learn how to basically never be harassed by these
[18:48.320 --> 18:52.400]  traffic issues again here at least in the state of Texas for sure and I'm sure
[18:52.400 --> 18:58.040]  this information will carry over to other states as well the print the basic
[18:58.040 --> 19:02.600]  principles surely will so I guarantee you the case law can be used in other
[19:02.600 --> 19:06.920]  states once we get done with it absolutely absolutely all right well
[19:06.920 --> 19:12.960]  thank you Mike very much for for joining us tonight we really really appreciate
[19:12.960 --> 19:19.360]  it and I guess that's that's all for this evening we will be back Monday night
[19:19.360 --> 19:24.880]  and folks definitely tune in Monday night we'll be having attorney Gary Crete
[19:24.880 --> 19:31.440]  join us to discuss the hearing the hearing that he's going to be attending
[19:31.440 --> 19:36.280]  on Monday representing his clients regarding the eligibility of Obama or
[19:36.280 --> 19:58.280]  the lack thereof to be president of the United States we'll see y'all Monday