You're listenings kf I AM six forty the bill Handles show on demand on the iHeartRadio f.

Kf I AM six forty Bill Handle Here.

It's on a Saturday morning.

It is Thanksgiving weekend, and I hope you're having a good time.

I hope everybody over eight.

And it's really about overeating this Thanksgiving part of it, Thanksgiving or giving of thanks seems to have lost its way and now it is not an excuse but a reason for family to get together.

And it is by far the most favorite family holiday of all of them.

It's kind of neat, you know, for those of you who really love their families, I don't.

And for those of you that gather friends, I don't have any and family together.

So I spent my Thanksgiving ordering pizza and watching football.

And while football was on, there were that many pizza places.

Okay, all kidding aside, I don't even I don't even know if Domino's delivered on Thanksgiving.

I really don't, because I had leftover pizza from a couple of nights before.

Phone numbers here if you would like legal advice, is eight hundred five two zero one five three four eight hundred five two zero one five three four.

Last week we were jammed the entire show, and so some days we are, some days we're not.

So it we're going to find out because this show is completely caller driven.

This is the reason I don't take phone calls during the week.

Number one, I don't care what your opinion is.

That's the most important one.

And number two is you never know are there going to be calls?

Are there going to be enough calls?

Are there going to be enough quality calls?

Now, the good news on this show is the less quality is, the quicker you're on the line, the more unintelligible you are, the quicker I get to you.

And if it's a combination let's say your special needs, let's say your football helmet person and you don't play football, you're going to get on pretty quickly.

And of course strange, weird experiences that we all love to hear get on very quickly.

The number is eight hundred five two zero one five three four.

Top of the hour always the best time to call, as I've said over and over and over again, and the first hour is always the best time to call because we start with a clean slate.

Eight hundred five two zero one five three four.

Even though there are some people left over that want to know how to fix the toilet or what kind of roofing to put on the roof with Dean Sharp who gives phenomenal advice, I don't have any advice to give you in terms of clogged plumbing or new roofs or appliance repair or any of that.

The number eight hundred five two zero one five three four is the number two call.

This is handle on the law, marginal legal advice, where I tell you have absolutely no case.

Something really interesting happened in Italy and it hasn't happened in any other.

Country, but it may actually get some legs.

Italy's parliament approved a law that introduces femicide in addition to the normal criminal law.

So let's say someone kills a woman and murder is involved, or second degree murder, manslaughter or whatever what the country's criminal law does.

If a woman dies and the law.

Says that she was killed because she was a woman, basically I hate crime, then it is punishable with life in prison.

Now.

The vote coincided with the International Day for the Elimination of Violence against Women, which, of course people understand around the world that women don't do so well.

By the way, this is a day that was designated by the UN General Assembly.

One of the things about being a woman, and my wife always mentions this that it is harder to be a woman than it is to be a man in society, and it absolutely is now.

In the case of America, we have about as much equality as any other country, although there still is a glass ceiling and we have yet to have a woman president.

England has had a woman Prime Minister, Margaret Thatcher as well as I forgot her name.

Pakistan had a prime minister that was a woman.

So you go around the world and there are women.

Mexico right now has Claudia Shinbaum, a woman, and a Jewish woman on top of that, which is very unusual.

And the United States has yet to do so.

And from what I hear, there is still an anti woman sentiment going through especially the Deep South, although I don't buy that.

I think women have an equal opportunity and it depends on quality.

Oh Hillary Clinton.

Clinton lost because she was a woman.

No, she lost because she wasn't very popular, people didn't like her.

Kamala Harris lost because she was a woman.

No, that's not the reason she lost.

A lot of us felt she was simply unqualified to be president because of the circumstances of Joe Biden, et cetera.

Well, Italy, and Italy now has a woman Prime Minister and it is his woman president as a premier.

Actually, Georgia and Maloney very right wing, and it had her support.

This bill.

It actually had bipartisan support from the center right majority the center left opposition in the final vote.

But since the center right, much like in the United States, actually the far right, but the right wing has control of the legislature here in this country or in Italy, it did pass, and Maloney said, we have doubled funding for anti violence centers and shelters, promoted in emergency emergency hotline, innovated education and awareness raising activities.

And these are concrete steps forward, but we're not going to stop there.

We must continue to do more every day.

And boy do they prove that by making femicide the killing of women as opposed to the killing of men punishable on its own, just the woman part of it, with life in prison.

And the center left opposition ended up supporting the bill because they had no choice, but said that the government only tackles the criminal aspect of the government, leaving economic and cultural divides unaddressed.

So therefore they were against the bill.

Hey, better than nothing, leave me alone.

Okay.

So I find that interesting, and I don't know is it going to be the start?

And women do have it rough.

In western countries women are treated with equality, some more than others.

And you go to the Mid East, you go to other places in the world, women are chattel, straight out property.

They just belong to men.

I mean, it is crazy.

Look at the way women are treated in India.

Look at the way women are treated in the Arab countries.

Women are not second class citizens, they are third and fourth class citizens.

And in many cases cattle are treated better than women are.

And there are such thing as honor killings and women being killed, and it's almost impossible to convict a man who does so.

All right, let's take one phone call before the break, and then we'll start moving at a real, real fast pace.

Claire, we'll start with you, Hi, Claire, welcome to handle on.

The law.

Dispute with my cell phone.

Okay, Claire, you got to start all over, Claire, you got to start all over again.

Okay, because the phone the phone didn't kick in, all right, Claire, welcome to handle on the law.

Great, thank you.

I have a dispute with my cell phone company.

My bill is current, but in order to transfer, they want a certain amount, which I disagree with.

Am I better to pay.

Off that amount and then go after them in small claims court or not pay the amount because I'll never get it out of them, okay.

And then you'll never have a phone connection again with your site.

So much?

How much is the amount of money that's owed?

Eight eight?

Okay, so that's real money?

Fair enough?

Okay.

If it was eighty dollars, i'd go suck it up, Claire.

But eight hundred dollars is real money.

I would go ahead and pay it and then take them the small claims court.

Although there's all kinds of.

All kinds of reasons or all kinds of obstacles when you're dealing with a cell company, because you're dealing with the FCC and state laws, so I'm not aware of that.

But if you can't sue them in a small claims court, and I think there is a way, then you go after it and their defense is going to be but you paid it.

Therefore you recognized that you owe the money.

And your argument against that defense is if I didn't pay it, I wouldn't have phone service.

They would cut off my phone.

And if I'm the judge, I'm giving it to you.

So the quick answer is, yeah, I would pay it and then start from there, because can you imagine your phone line being cut off?

And on top of that, when you go to another phone company, they know you didn't pay the bill.

So which way do you go on that?

I would.

Unfortunately, when you're dealing with organizations that can ruin your credit or screw up your life, I think you just you have to pay it.

Well, for example, taxes, property taxes, they're billing you extra money, and the last thing you need is to owe them, pay the money, and then go after them and then start the appeals process.

It's much much easier.

All Right, we'll take a break, come back and we have more Handle on the News.

The phone number is.

Eight hundred five two zero one five three four.

Lines are open, of course, since we've just opened up the show.

Eight hundred five two zero one five three four.

This is Handle on the Law and let's check in with a KFI News Center KFI Am six forty Bill handle here.

It is a Saturday morning on a Thanksgiving weekend.

Eight hundred five two zero one five three four is the number to call eight hundred five two zero one five three four and more.

Handle on the.

Law marginal legal advice, Yo, Eryl, welcome, Hi Bill, Yes, ma'am.

We have a man that comes over and fixes things.

He's great.

And when he called and I told him that we had to put off a cabinet because the roof was leaking, he said, well, you know, I used to be a roofer, so he probably is very capable because everything I've seen him done, he's excellent.

He used to build houses.

And he's not licensed, he's not insured.

Do what kind of risk is involved in having him go up on my roof?

Okay, that's a good question.

And if you trust him, he does a good job obviously, no harm, no foul.

He is in more trouble than you are if he is unlicensed uninsured.

The problem is he's uninsured, and if anything happens to the roof, you can go ahead and sue him.

He's got no place to go.

He can't even defend himself.

But you know what kind of money does he have where do you go?

There also may be insurance problems on your home insurance on top of that, where they go not interested?

And the unlicensed part if he's done it before, why wouldn't he be licensed because he hasn't done it in a long time and there are new materials whatever.

You know, it's a risk.

It's like anything else.

You're not very well protected.

There's no bond there in case it goes south that you can go after.

So you're rolling the dice.

However, you're rolling the dice obviously in your favor.

Why because you've known him for many years.

He seems to be really competent in everything else he tells you he used to be a roofer.

And if you don't think he is lying, and I have no idea, I haven't met him.

If you think he is not lying, you know, would I do it?

Yeah?

Maybe I would.

What has to be done on the roof replaced completely or just patched.

Patch?

It's just a leak ah.

Okay, and it's it's not a big deal.

It's what you're saying.

No, I do it, Yeah, I do it.

You know, there's no there My worst falling off the roof, uh.

Well, then that's why God invented insurance is what you do, and you make sure that your home insurance.

You could consider that that I told you initially there may be some issues with insurance there.

Does your insurance policy say that any repair of the roof must be done by a license a license installer?

And if not, thank you, you're gone.

There is no insurance.

But so what I would do is check with your insurance company, and you could argue, this is casual labor, which is covered under your insurance policy.

So the big deal is if that's what your concern is him falling off the Yeah, just call your insurance company or you're broker, or look at your policy real carefully and see if casual labor or see if it's.

Silent on it.

But in the end, yeah, I do it.

You know, I would take the risk, but then I'm a risky kind of guy.

I don't know if that helped.

My agent said, it's fine, go ahead.

And do it.

Then you're done.

Then you're absolutely done.

I wanted you to tip the scale.

Yeah, I've just tipped the scale, and I've tipped it pretty substantially because I weigh over two hundred pounds, all right, Cheryl, that was an excellent question.

And would I have done it?

Yeah, I would.

Hey, let me tell you what else I would do and suggest, and that is, if you have a personal injury, you've been in a car accident or a slip and fall, and it's not your fault at all, where do you go?

I don't know if you Well, of course you have billboards up and down the freeway, tele as you commercials, radio commercials about personal injury lawyers, and some of them are really good and some of them are not.

So how do you know which ones to trust?

And this is why I created handle on the Law dot com to make sure that these lawyers are vetted for one thing, and second of all, if there's a problem, I make the phone call.

I'm the one that yells at the lawyer, and I've done that a few times and they take my phone call for sure.

So if you've been injured, if you've been in a car accident, it's not your fault.

Slip and fall, it's not your fault.

For example, a bunch of boxes coming off a shelf in.

A store, it's not your fault.

Then I'm going to suggest you visit handle on the law dot com.

That's Handle on the law dot Com.

This is KFI.

You're listening to Bill Handle on demand from KFI AM six forty.

KFI AM six forty Bill Handle here on a Saturday morning.

Eight hundred five two zero one five three four.

All right, Patricia Yellow, welcome to Handle on the Law.

Yes, Patricia Yellow Yellow, Yes, what can I do for you?

This is Patricia Really Okay, I'm so glad I got through to Bill.

What happened is I bought a home in Alabama and went and paid off the mortgage.

And there was money due back to me from the insurance because they paid it for a full year, and of course I paid it off before that.

The mortgage come from meantime.

I went to cash the check it found okay, and I have been able to get no recourse from this.

Okay, Come all right?

Got it?

Hold on a minute, I got it.

Got the gist.

Is there anything else I could?

Yeah?

For one thing, let me talk.

That's one thing you can do.

Okay.

We start with how much money has the mortgage company bought insurance for I got a couple of insurance or they told you they bought your insurance?

Yes?

Was much much much, Patricia, five thousand dollars.

Okay, all right, So here's what normally happens.

If you buy a home and you can't prove you have insurance, because the mortgage holder always.

Says, I have to know if there's insurance on the home.

What they will then do is they will buy the insurance for you and then bill you for the insurance, put it on into the mortgage, and we'll do it at a pretty expensive rate because they don't care.

They're not shopping for insurance.

And so something obviously something happened to you.

And did you have insurance at the time, Now, okay, but you bought the house, you own the house, So who bill you.

For the for the insurtgage company?

You said you bought the house outright.

And then I paid it off?

Okay, when did insure?

Okay?

When did you pay it off into the first year?

Oh about two months?

Okay, so within two months you had you were done.

And they will not pay you the ten months that you are due that they charge you.

Is that correct?

Yeah?

They I got the run around.

Yeah all right, No, I understand, and they they just sent you a bill for here we want you to pay insurance.

Is that right here, we need five thousand dollars.

No, they took it?

Where do they take it from?

Where do they Where did they take it from?

Escrow?

How do you?

Okay, you buy a house, you closed escrow?

How much later than the close of escrow?

Did the mortgage company bill you for the insurance.

Immediately?

Okay?

Through you bought the house?

Did you let them know you paid off the house?

Oh?

Yes, okay, And they gave you the deed.

Okay, they gave you the deed, They wrote you the deed.

Here you go, Patricia, it's your house, free and clear.

You owe no money on it.

Is that correct?

Right?

Okay?

And they will not give you back your five thousand dollars.

Is that correct?

That's correct?

Okay.

Now gave me a bum check?

Now, okay, that's now.

Now you've got a real issue because if you're getting a bad check from a mortgage company, h then there's some real issues with that mortgage company.

Now it could have fallen through the crack.

I may have gone bankrupt.

That's what I was saying.

That's where I was going.

And if they have gone bankrupt, you are out of luck.

There's no place for you to get the money.

Now they joined the larger one, would they take on their gifts?

Yes, yes, of course, don't say name, but yes, if the larger company bought the other company, yes, But if if they bought the assets, then it's an issue because bankruptcy stops everything.

If they've gone bankrupt, you're screwed.

If they don't, then you sue them and you try to go after it.

That was a very long question and answer period.

Thank you so much.

Okay, Tim, Hello, Tim.

Welcome, Hey Bill.

Yeah, so I have a notice of intention to sue any curk costs from a law firm and wondering how to handle that.

Okay, Well, what are they suing you.

For credit card debt?

Okay?

Do you have credit card debt?

Is that a debt that in fact you incurred on that card?

Yes?

Okay, and so what do you do?

Well, you have to if you want to fight it.

Do you owe the money?

Tim?

Yeah?

Okay, So now you've got a couple of choices.

If they take you to court, you have no defense, right, what are you gonna say, I don't know the money, I'm not me, I'm really my twin brother, and you're going after the wrong person.

No, they're gonna get a judgment again against you, and they're gonna get the court fees is what they're gonna get, and.

They're going to get interest.

You've got to cut a deal with him, Tim, You've got to say, you gotta have to call him and say, hey, can I pay you off X number of dollars?

Because they'd rather have the money than not have the money.

So how much do you owe?

What are they suing you for?

Eight?

Okay?

Can you get hold of a few thousand dollars?

Is there any way you can get let's say, four thousand dollars?

No, there isn't okay, So you got to tell them that.

Well, let me ask you this, are you working right now?

No?

I'm on disability.

Ah, that's what you want to tell him.

I'm on disability.

I have no money.

And then you cut a deal with them and they're gonna argue with him.

You're negotiating with them straight out, and your argument is I have no money.

Now what are you gonna do?

Now?

They go to court and they're gonna get a judgment against you.

They can't go after your disability payments, but you know you're gonna have a judgment how old are.

You, Tim fifty eight?

So you still want to live a life and get credit at some point, Yeah, you have no choice other than cutting a deal with them and doing the best you can.

Otherwise, you owe the money.

You're gonna get a judgment against you, your credit's gonna get ruined, your life is over.

You're gonna jump off of a building and kill yourself.

That's probably what I would do.

Rick, Hi, Rick, welcome.

Do you remember Fresh Club as far as.

I remember a Price Club that was the predecessor of Costs Go right?

Oh.

I used to work there and they had to be a member of the Teamsters union in order to work there, which I was paid the money every month.

They gave you the union contract, which was basically the employee handbook, and for years they didn't do what the contract said.

I even had a manager tell me one time.

I said, look, that's what I said right there.

He said, that's not the way we do it.

So now I'm wondering, how is there any kind of statue of limitations?

Yes there is, but how many?

But there is?

How many years ago did you leave the Price Club?

Because that hasn't been Price Club for many, many, many years.

When did you leave.

They're still doing They're still doing the same stuff.

That doesn't matter.

You're out of the picture, cup, You're out of the picture.

Three, yeah, in nineteen ninety three.

Okay, So let me ask you, whatever statute there is other than Burton, which has no statute, do you think that twenty some odd years a statue to run on that?

And if they if you knew they weren't going to did you bring it up to anybody?

Did you go to your shop Steward?

Did you go to the rep the union rep, and say, hey, these guys are violating the contract many tons and they and the union wouldn't do anything about it.

No.

I even had letters.

I wrote agrievance and they said it that's it with no marriage.

But your wait, you know, here's the problem.

You waited way too long.

That's the problem.

You can't go back twenty something years.

You just can't, Okay, I mean, there's just no way around that.

But the whole start of this was Price Club guy by the name I think Sault Price started it, and then it eventually became a costco.

This is handle on the law phone numbers eight hundred five two zero one five three four.

We do have lines that are open eight hundred five to zero one five three four kaya five am six forty Bill handle here Saturday morning, right up until eleven o'clock.

Phone number here eight hundred five to zero one five three four, eight hundred five to zero one five three four Welcome back.

More handle on the law.

George, Yo, George, what can I do for you?

Good morning?

Bill?

Yes, sir, I've been married to my wife for twenty years.

I'm sorry.

What are you sorry about?

How about you've been married for twenty years?

Yeah, well I am as well, but thank you to hear there now.

Yes, anyway, when I when we married, I own my home and my paid for my home.

My home was already owned and paid for.

So I'm questioning when we get divorced, what's going to happen to the house and how much does she have to give if any.

Okay, we start with the fact if the house was yours coming into the marriage, boom, it's your house.

The argument is going to be on her side is how much did you improve the house?

Now, let's talk about you still kept it in your name?

Correct, I'm assuming that it was not put into joint tenancy or tenants in common or anything or community properly.

Later on in years, I put her name on the owner's manual.

Okay, then it's her house.

Then it's her house as well as your house.

The second you put that house into joint tenancy, it became a community asset, and she gets half the house.

She gets half the value of the house.

You gave it to the community.

Is what you did.

You gifted it to the community.

And so there we go again.

See the secret is and I wish you had called me twenty years ago.

I actually was doing this twenty years ago, strangely or not.

Marriages normally, if whatever value, whatever's bought during the course of the marriage, because all the income of the marriage is a community.

There's no way around that.

And so whatever money is spent to increase the value, to make it well, to pay off mortgage is and then there's a whole there's a whole situation with that, there's a whole equation because you have to pay rent anyways, you have to live there.

But that's a side point.

The bottom line is, Yeah, you put it in both of your names, and that does it.

And so when you get divorced, she owns half of it.

Now, if she dies first, you own all of it.

If I'm assuming you put in joint tendancy.

Now do you know where I'm going to go next on this one?

If she dies.

First, I have a good idea.

But yeah, exactly, And that's how you do it, and then decide.

And here's my advice whenever, but anybody wants to kill a spouse, because of course that's where I'm going.

And that is, if there's substantial money involved, and you're talking about money going to one side or the other, particularly a.

Husband, what I would do.

You can't just go ahead and just kill your wife, right is then you just spend the rest of your life in jail.

However, you can get your best friend.

To have sex with her and then you find out when that is, and then you jump into the room and go, oh my god, and then you shoot her.

Now, your argument is that is a crime of passion.

Crime of passion means say, doesn't mean passionate.

I mean it's a crime of passion that you reacted without thinking.

And that's a whole different level than a then a murder that you try to do.

Because now we're getting into first degree, so it becomes a product becomes a crime of passion.

So then you do your four years in prison, and then you signed.

You know, it was four years in prison worth all that money, and then you make that decision and you suck it up.

And that immediately leads me to one of my best jokes, and that is Murray and Sam are best friends, and Sam wants to have sex with Murray's wife, and so they are in bed and Murray walks in and goes, Sam.

I have to but you okay with that?

Let me tell you about Zelman's minty mouth mints.

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It's a dual action functional breath freshener.

There's these little capsules that are made out of parsley seed oil covered with a nice strong mintee covering, and you put those in your mouth, You pop me in and then you do what you do, sucking on the mint, et cetera.

And when that's gone, you either swallow or bite into the capsule going into your stomach where bad breath can actually start.

People don't realize not just your mouth.

I mean it comes out of your stomach too, and Zelman's takes care of that and no mint in the world does.

Now coming up on Tuesday is Pastapon where we are collecting money to help Caterina's Club, the charity that we help, and Zelman's will be there giving out free samples and their new flavor is Spearmint in addition to the normal Zelman's flavor.

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This is handle on the Law.

You're listening to Bill Handle on demand from KFI AM six forty