Latest / WCHS Network Podcasts / 08/06/2026 Ask the Lawyer with Tom Peyton

Transcript

08/06/2026 Ask the Lawyer with Tom Peyton · WCHS Network Podcasts

• 0:00
  Speaker 1: The views and opinions expressed on this program do not
• 0:02
  Speaker 1: necessarily reflect the views and opinions of five AD wchs
• 0:06
  Speaker 1: it's employees or WVRC media.
• 0:09
  Speaker 2: Of course, Oh created equal, Well, mass, come here in
• 0:20
  Speaker 2: a cape can Rob.
• 0:35
  Speaker 3: You're gonna put the power of patent on your side
• 0:37
  Speaker 3: this morning. You don't have to fight the law, put
• 0:38
  Speaker 3: it on your side with the Payton Law Firm. We
• 0:41
  Speaker 3: have Tom Payton in studio with us this morning taking
• 0:43
  Speaker 3: your phone calls and your text messages. You can give
• 0:45
  Speaker 3: us a call this morning three zero four three four
• 0:46
  Speaker 3: five fifty eight fifty eight three four five fifty eight
• 0:49
  Speaker 3: fifty eight. You can text threes are a four non
• 0:50
  Speaker 3: three five five zero zero eight. Tom Payton from the
• 0:52
  Speaker 3: Payton Law Firm is in studio with this morning. Tom,
• 0:54
  Speaker 3: Good morning, How are you doing this morning? I'm doing
• 0:57
  Speaker 3: pretty well. I can't complain too much about uh coming
• 1:00
  Speaker 3: back from vacation, first time back from vacation. Turning on
• 1:03
  Speaker 3: the right microphone will help for you, and things are
• 1:05
  Speaker 3: going pretty well. He got me on now.
• 1:07
  Speaker 4: Oh yeah, everything's all good. Everything's all good.
• 1:09
  Speaker 5: Yeah, I'm coming back from vacation too. So his dad's
• 1:12
  Speaker 5: been here the last couple of weeks, and we had
• 1:15
  Speaker 5: our annual family vacation trip last week, which I take
• 1:19
  Speaker 5: my laptop and do some work but try not try
• 1:22
  Speaker 5: not to do too much work while I'm down there,
• 1:26
  Speaker 5: but still getting caught up on some return calls and
• 1:29
  Speaker 5: things like that. If anyone's waiting for a call out there,
• 1:32
  Speaker 5: you're on the You're on the list, so uh, I
• 1:34
  Speaker 5: will get to you when again I will be. We're
• 1:37
  Speaker 5: out of town next week, actually do the My wife
• 1:41
  Speaker 5: always wanted to go to the Grand can't you. So
• 1:42
  Speaker 5: we're going to go do a hike down the Rim
• 1:47
  Speaker 5: and stay in some type of we're not not we
• 1:51
  Speaker 5: don't take our own tents and things, but they have
• 1:53
  Speaker 5: something set up for you to stay two days down
• 1:55
  Speaker 5: there and then hike back up the the Rim. So
• 1:59
  Speaker 5: hopefully's isn't my last. No, I'll be fine as far
• 2:03
  Speaker 5: as I mean, it's hot out there this time of year.
• 2:08
  Speaker 5: Kind of looking forward to see. I like going out west,
• 2:10
  Speaker 5: but I am one thing. I mean, snakes, spiders, the
• 2:18
  Speaker 5: normal stuff that make people squeamss doesn't bother me, but
• 2:22
  Speaker 5: heights does. So we're going to see how this, uh,
• 2:25
  Speaker 5: this trip wears out. Where's whears on me?
• 2:27
  Speaker 4: I don't know.
• 2:28
  Speaker 5: We'll see how it goes.
• 2:29
  Speaker 3: But uh, there was there was a place not too
• 2:31
  Speaker 3: far away from the Grand King. And when when I
• 2:33
  Speaker 3: was out that way, I was on a budget. We
• 2:35
  Speaker 3: were camping and uh in national forest land and and
• 2:39
  Speaker 3: so my budget was like dollars a day and not
• 2:41
  Speaker 3: that much. We had to skip a lot of the
• 2:42
  Speaker 3: national parks. What's great about that area out there? It's
• 2:45
  Speaker 3: like you skip one and sure it's not the Grand King,
• 2:47
  Speaker 3: but it's beautiful everywhere, and you can go to any
• 2:49
  Speaker 3: number of parks and get out there and see things.
• 2:51
  Speaker 3: But went across the apparently there's several places called this,
• 2:55
  Speaker 3: so I do uh this so long ago ago. Now
• 2:57
  Speaker 3: I would have a hard time pinpointing. But in southern
• 2:59
  Speaker 3: Arizona somewhere we were one of those cities where they
• 3:01
  Speaker 3: film all the cowboy shows. There was this this place
• 3:05
  Speaker 3: called the Devil's Backbone, which was this ridge that went
• 3:07
  Speaker 3: between these two areas where it was a sheer drop
• 3:09
  Speaker 3: off of either side. That was one of the like
• 3:13
  Speaker 3: I wasn't expecting that and we ended up like driving
• 3:15
  Speaker 3: around and it was just on the map. I didn't
• 3:16
  Speaker 3: really know that it was this type of thing. I
• 3:18
  Speaker 3: have to admit, driving across that thing was a little
• 3:21
  Speaker 3: scary to me because in my memory it was like
• 3:24
  Speaker 3: being suspended high up the near I'm sure it probably
• 3:26
  Speaker 3: wasn't as bad of that in reality, but at the
• 3:28
  Speaker 3: time it seemed very, very bad.
• 3:29
  Speaker 5: You just describing as sheer dropped off makes my stomach
• 3:32
  Speaker 5: start to turn.
• 3:33
  Speaker 4: So really it made me a little nervous. It did.
• 3:35
  Speaker 5: I'm in decent shape, and it's a long hike and
• 3:38
  Speaker 5: the heat up and down, which I don't think will
• 3:40
  Speaker 5: be my problem, but we'll see. Hopefully I make it back,
• 3:43
  Speaker 5: and if I do, I'll give a full recap, maybe
• 3:46
  Speaker 5: on the on the show after next week, but I
• 3:48
  Speaker 5: will be I think when we're I haven't looked at it.
• 3:51
  Speaker 5: I assume we don't have cellular phone service for a
• 3:54
  Speaker 5: couple of days while we're down in the in the canyon,
• 3:57
  Speaker 5: so I will be out of out of touch for
• 3:59
  Speaker 5: a couple of days next week. But I'm looking forward
• 4:02
  Speaker 5: to getting out there and seeing something different.
• 4:04
  Speaker 4: We're close to age.
• 4:05
  Speaker 3: Does that mean that you have you have found the
• 4:08
  Speaker 3: appropriate Brady Bunch episode to get you prepared for the
• 4:10
  Speaker 3: grand For the Grand Canyon vacation.
• 4:15
  Speaker 5: I probably should look at one because I'm sure it
• 4:17
  Speaker 5: all turned out well in the end. Of course, Breddy Bunch,
• 4:22
  Speaker 5: my wife and my two kids are going, so we'll see. Uh,
• 4:25
  Speaker 5: you got a lot of dynamics there. But looking forward
• 4:27
  Speaker 5: to trying something different and see how it goes. But
• 4:31
  Speaker 5: anyway around here, I've been keeping track of the news
• 4:34
  Speaker 5: and first friend kind of summer break for us spring
• 4:39
  Speaker 5: court in the Western New Supreme Court. We've got the
• 4:43
  Speaker 5: we'll call the Greenbrier saga continuing and we have a
• 4:47
  Speaker 5: deadline tomorrow. You might recall that, you know, the Greenbrier's
• 4:55
  Speaker 5: most significant creditors filed a lawsuit asking that receiver be appointed,
• 5:01
  Speaker 5: which is kind of a caretaker manager of a business
• 5:04
  Speaker 5: or assets, claiming that the Greenbrier's being not managed properly
• 5:11
  Speaker 5: from a financial standpoint, therefore it's diminishing the value of
• 5:15
  Speaker 5: the lenders collateral. And the response in the Greenbrier generally
• 5:19
  Speaker 5: has been We're going to pay off that debt and
• 5:24
  Speaker 5: refinance meaning borrow from a different lender or company to
• 5:29
  Speaker 5: pay off this lender who is essentially it's not straight foreclosure,
• 5:34
  Speaker 5: but seeking judicial intervention to protect their collateral and ultimately
• 5:40
  Speaker 5: maybe get control of the Greenbrier. And so this started
• 5:44
  Speaker 5: months and months ago and the Greenbrier, so we got
• 5:47
  Speaker 5: a deal in the works to pay that debt off
• 5:51
  Speaker 5: of this creditor, and Judge Volk down in the Southern
• 5:55
  Speaker 5: District US District Court for the Southern District of West
• 5:58
  Speaker 5: Virginia is presiding over the cave and gave a deadline
• 6:02
  Speaker 5: and then extended the deadline for the deal to get
• 6:05
  Speaker 5: done through tomorrow. And uh, there's been status reports filed
• 6:11
  Speaker 5: by the attorney for the Greenbrier. Looks like they're they're
• 6:14
  Speaker 5: in the due diligence process getting getting the tease crossed
• 6:20
  Speaker 5: and the eyes dotted. But it's extremely complex transaction. It
• 6:26
  Speaker 5: sounds like it doesn't involve just a conventionional loan, but
• 6:28
  Speaker 5: actually the lender will somehow be a some sort of
• 6:33
  Speaker 5: partner and the ownership of a of a new entity
• 6:37
  Speaker 5: that is being created that will then kind of be
• 6:39
  Speaker 5: the umbrell entity of all the what we think of
• 6:42
  Speaker 5: as the Greenbrier assets. It doesn't sound like to me
• 6:48
  Speaker 5: that they're going to have the refinancing or financing available tomorrow,
• 6:54
  Speaker 5: which is the new deadline to pay off the previous
• 6:59
  Speaker 5: or the current lender, because when you I don't know
• 7:05
  Speaker 5: that simply borrowing money or additional funds and having a
• 7:11
  Speaker 5: new creditor would trigger any implications with the Westernia Lottery Commission.
• 7:16
  Speaker 5: But when you change principal ownership of an entity, a
• 7:21
  Speaker 5: corporation or an LLC, then the Lottery Commission has to
• 7:26
  Speaker 5: analyze that and make sure you know that new owning
• 7:30
  Speaker 5: entity or person is still qualified to be issued a
• 7:38
  Speaker 5: license under the Westernian Lottery Commission. And they don't have
• 7:41
  Speaker 5: a regular meeting scheduled today or tomorrow as I understand,
• 7:45
  Speaker 5: and the regular meeting is towards the end of August.
• 7:49
  Speaker 5: I think they might have a special meeting set up
• 7:51
  Speaker 5: for a couple of weeks from now, but I don't
• 7:54
  Speaker 5: see how the lottery. I don't think they're going to
• 7:56
  Speaker 5: get Lottery Commission approval by tomorrow. So we'll see, oh
• 8:00
  Speaker 5: it plays out if they what I I'll do some
• 8:04
  Speaker 5: predicting here and we'll see. I suspect there'll be another
• 8:09
  Speaker 5: filing tomorrow by the Justice Greenbrier Entities, most likely saying
• 8:17
  Speaker 5: pretty much everything is ready to go except for the
• 8:20
  Speaker 5: Lottery Commission approval, and they'll ask for another couple of
• 8:22
  Speaker 5: weeks or maybe through the end of the month to
• 8:25
  Speaker 5: get that done. I don't know if Judge Volk will
• 8:29
  Speaker 5: agree with that, because he's already gave him a couple
• 8:33
  Speaker 5: of pretty stern deadlines and then extended those at the
• 8:38
  Speaker 5: same time, he set some hearings in September. If they
• 8:45
  Speaker 5: don't meet the deadline of tomorrow, so you know, if
• 8:50
  Speaker 5: they don't get.
• 8:51
  Speaker 1: The deal done.
• 8:53
  Speaker 5: Tomorrow, then it's they don't lose the case. I mean,
• 8:58
  Speaker 5: that's what you got to remember. At the same time,
• 9:00
  Speaker 5: so it's a if they the judges basically stayed the case,
• 9:04
  Speaker 5: meaning stopped he's not hearing arguments on the merits of
• 9:07
  Speaker 5: the of the initial filing. He's stayed those allegations, you
• 9:13
  Speaker 5: could say, pending the greenbriers, giving them an opportunity to
• 9:19
  Speaker 5: pay off the creditor that filed the case. So if
• 9:23
  Speaker 5: they don't meet the deadline tomorrow, they don't default on
• 9:27
  Speaker 5: the case or automatically lose what Judge vocus, well, then
• 9:31
  Speaker 5: the case is going to proceed on the merits based
• 9:33
  Speaker 5: on the initial allegations made in the complaint. We're not
• 9:35
  Speaker 5: going to just keep this case on hold. Why you
• 9:39
  Speaker 5: continue to try and basically come up with money to
• 9:42
  Speaker 5: pay off this creditor. So there's a deadline, but it's
• 9:49
  Speaker 5: not a deadline if they don't meet tomorrow that they
• 9:51
  Speaker 5: just lose the case. It just means it proceeds in
• 9:54
  Speaker 5: due course like any other case of this type are
• 9:59
  Speaker 5: also and so you know, my inclination is Judge volt
• 10:04
  Speaker 5: probably won't give them another extension, but he'll keep the
• 10:09
  Speaker 5: dates set in September for the normal type of hearings
• 10:13
  Speaker 5: you would have in this case if it wasn't stalled.
• 10:18
  Speaker 5: At the same time, I'm fairly confident in saying that
• 10:22
  Speaker 5: if they come up with the money from whatever source
• 10:28
  Speaker 5: to pay off the creditor that filed the lawsuit in full.
• 10:32
  Speaker 5: It's I don't remember the number, it's like three hundred
• 10:34
  Speaker 5: million or something like that. And of course it's I
• 10:37
  Speaker 5: suspect they haven't been making payments during this process, so
• 10:40
  Speaker 5: interest is continuing to accruise, so that amounts going up,
• 10:43
  Speaker 5: probably on a daily basis. But if if they have
• 10:48
  Speaker 5: the money to pay off the full balance ode to
• 10:52
  Speaker 5: that creditor up to a foreclosure or some final ruling
• 10:57
  Speaker 5: by Judge Vocal on the merits of the case, I
• 10:59
  Speaker 5: think they can still pay it off. So I my
• 11:04
  Speaker 5: prediction from monitoring monitoring it from a satellite view is
• 11:08
  Speaker 5: that they won't meet the deadline of closing the deal tomorrow.
• 11:13
  Speaker 5: Judge Vulk will not continue to stay or halt the
• 11:17
  Speaker 5: case for them. But if what they're representing is true
• 11:23
  Speaker 5: that the deal is getting done, they may end up
• 11:29
  Speaker 5: paying off that debt before the September hearings that are
• 11:34
  Speaker 5: coming out. That's the way I kind of see it
• 11:36
  Speaker 5: playing out. All of that, though, of course, is just
• 11:40
  Speaker 5: taking the filings by the Justice Greenbrier Entities attorney at
• 11:46
  Speaker 5: face value that there's no problems with the deal. It's
• 11:50
  Speaker 5: just logistics. It's moving forward. And this started, I mean,
• 11:56
  Speaker 5: the idea of refinancing or getting a leather lender or
• 12:01
  Speaker 5: creditor to help them pay off the current debt maybe
• 12:05
  Speaker 5: started in May. Something this complex, it's not unusual for
• 12:10
  Speaker 5: it to take months and months and months for this
• 12:13
  Speaker 5: type deal to get done, so obviously they've been trying
• 12:16
  Speaker 5: to fast track it. But even I mean, if anybody
• 12:19
  Speaker 5: out there has had to might have a little bit
• 12:22
  Speaker 5: of a credit issue and is trying to borrow money
• 12:25
  Speaker 5: to purchase a home or something through a conventional mortgage,
• 12:27
  Speaker 5: even that can take sixty days or more to get
• 12:31
  Speaker 5: the logistics done with appraisals and paperwork and things like that,
• 12:35
  Speaker 5: So it's not unusual for it to take this long.
• 12:38
  Speaker 5: It's just obviously the Greenbrier entities have pushed this to
• 12:41
  Speaker 5: the to the brink.
• 12:44
  Speaker 3: I was want to ask about that, is that from
• 12:47
  Speaker 3: the outside looking in on things like this, and I've
• 12:48
  Speaker 3: been a business owner in the past and I've never
• 12:51
  Speaker 3: run a foul of things along these lines, but being
• 12:53
  Speaker 3: basically cognizant of different laws and penalties and things along
• 12:56
  Speaker 3: those lines, in the case of something that's as massive
• 13:00
  Speaker 3: as the Greenbrier, there's there's some benefit to the levers
• 13:03
  Speaker 3: of law that they're able to apply because of the skill.
• 13:06
  Speaker 3: I guess that that wouldn't be available necessarily to a
• 13:09
  Speaker 3: smaller business or something along those lines, because it's the
• 13:11
  Speaker 3: complication and things that goes behind it. It just seems
• 13:14
  Speaker 3: like that there's been other businesses that have had lesser
• 13:17
  Speaker 3: problems that get submerged by those issues, where whereas the
• 13:21
  Speaker 3: Greenbrier because of it it's a good legal team, or
• 13:23
  Speaker 3: because of the size of the issue, because if it's
• 13:25
  Speaker 3: standing in the state, you know, really has gotten every
• 13:29
  Speaker 3: opportunity to make to make this right, which is maybe
• 13:31
  Speaker 3: is the right thing. I'm just it looks like an
• 13:33
  Speaker 3: imbalance when you're from the outside looking in on this.
• 13:35
  Speaker 5: Well conventionally, and I'm not really sure why it took
• 13:39
  Speaker 5: this filing lawsuit. So in West Virginia, if you buy
• 13:45
  Speaker 5: a home and bar against to purchase it, which most
• 13:51
  Speaker 5: people do, it you get your It's not like a
• 13:58
  Speaker 5: car title, you know, if you borrow when you buy
• 14:00
  Speaker 5: a car, as you know where most people know, you know,
• 14:03
  Speaker 5: the lender holds the original title because you transfer titles
• 14:08
  Speaker 5: with motor vehicles by you sign. The seller signs the
• 14:13
  Speaker 5: back of the title, the original title, and then it's
• 14:17
  Speaker 5: passed along to the buyer and then they take it
• 14:19
  Speaker 5: to DMV and it's circulated through the process and the
• 14:21
  Speaker 5: title is reissued in the name of the purchaser. When
• 14:24
  Speaker 5: you when you borrow money against land in West Virginia,
• 14:30
  Speaker 5: you you get a I mean you have a deed
• 14:33
  Speaker 5: you own the property. Then there's what's called a deed
• 14:36
  Speaker 5: of trust recorded, which is essentially a mortgage document that
• 14:41
  Speaker 5: places a lean against your home and it's recorded at
• 14:45
  Speaker 5: the courthouse. So if I go to do a title search,
• 14:47
  Speaker 5: I'll see that old Dell Cooper owns this property, but
• 14:51
  Speaker 5: he's this mortgage document's also recorded, which shows he owed
• 14:56
  Speaker 5: fifty dollars on it. And then you can sell it.
• 15:02
  Speaker 5: And then when you sell it, the purchase money you
• 15:05
  Speaker 5: get at the closing immediately goes to pay off that loan.
• 15:11
  Speaker 5: If you and I really get into this, I have
• 15:15
  Speaker 5: a decent number of clients that owner finance when they
• 15:19
  Speaker 5: sell property. I mean they act as the bank, so
• 15:21
  Speaker 5: they're the they're the lender in this equation, and it's
• 15:24
  Speaker 5: it's it's not as simple as just taking the property back.
• 15:29
  Speaker 5: If the person you sold it to quit's making their
• 15:33
  Speaker 5: mortgage payment to you, you have to go through a
• 15:35
  Speaker 5: foreclosure process, and in West Virginia normally that's non judicial.
• 15:41
  Speaker 5: So you'll see if you look in the legal ads
• 15:43
  Speaker 5: of the paper and you'll see notice of trustee sales.
• 15:46
  Speaker 5: Those are foreclosure sales where someone's failed to pay their mortgage.
• 15:53
  Speaker 5: And then normally a lawyer is the trustee and they'll
• 15:56
  Speaker 5: advertise the fact that the property that the mortgages in
• 16:01
  Speaker 5: default and that there's going to be a sale on
• 16:03
  Speaker 5: the courthouse steps normally it's where they do it. I've
• 16:06
  Speaker 5: seen some auctioneers do them here over the last couple
• 16:09
  Speaker 5: of years and then go to the sale and you know,
• 16:14
  Speaker 5: I've done them. You offer for sale, I've got here's
• 16:16
  Speaker 5: the legally described property minimum bid X. And then most
• 16:23
  Speaker 5: of the time there's a requirement that any purchaser at
• 16:28
  Speaker 5: that sale it's like a live auction, have some certificate
• 16:35
  Speaker 5: certified funds of a certain percentage of the total purchase price,
• 16:39
  Speaker 5: and then they got to pay the balance shortly thereafter.
• 16:44
  Speaker 5: And when that's done, the trustee has a right to
• 16:46
  Speaker 5: just issue a deed to the new purchaser and it's done,
• 16:49
  Speaker 5: and then they own it and they've got it. Then
• 16:51
  Speaker 5: if somebody's still living in it, they have have to
• 16:54
  Speaker 5: go in and address that occupant. Sometimes it results in
• 16:58
  Speaker 5: a in an eviction, per sheeting and that kind of thing.
• 17:01
  Speaker 5: So obviously with the Greenbrier, this lender has many many
• 17:07
  Speaker 5: parcels of real property, land or collateral for the loan. Normally,
• 17:12
  Speaker 5: on loans of this magnitude, too, you have to pledge
• 17:17
  Speaker 5: all the business' assets. We've seen in this case there's
• 17:20
  Speaker 5: even personal guarantees by individuals. I think the justice family,
• 17:25
  Speaker 5: which can make them personally liable on the debt. Now,
• 17:28
  Speaker 5: why this it sounds they were in default based on them.
• 17:35
  Speaker 5: It had multiple what we'll call modification agreements over the
• 17:39
  Speaker 5: years with not necessarily this lender, but their predecessor, and
• 17:44
  Speaker 5: normally they have to take when they buy that loan,
• 17:46
  Speaker 5: it's subject to all the prior agreements signed by the
• 17:49
  Speaker 5: previous lender from whom they got the debt. Why they
• 17:55
  Speaker 5: didn't just go through the foreclosure process. Sure, that's what happened,
• 18:01
  Speaker 5: I believe last summer or last year, maybe in the
• 18:05
  Speaker 5: year before they were going to you might recall they
• 18:08
  Speaker 5: were going to be foreclosed to point there was a
• 18:09
  Speaker 5: notice of foreclosure and then the Greenbrier Justice Entities filed
• 18:12
  Speaker 5: lawsuit to halt that. Then they came up with money
• 18:16
  Speaker 5: to uh, not pay off that entire debt, I don't believe,
• 18:21
  Speaker 5: but enough money to satisfy that particular lender to pull
• 18:25
  Speaker 5: the property from the foreclosure sale and it was canceled. Now,
• 18:29
  Speaker 5: this particular lender then is rather than gone through the
• 18:33
  Speaker 5: that non judicial meaning no court involvement type foreclosure sale,
• 18:38
  Speaker 5: has filed a lawsuit asking for a receiver. They want
• 18:42
  Speaker 5: somebody to come in and monitor the assets, probably in
• 18:48
  Speaker 5: the process of what will eventually be a foreclosure sale.
• 18:52
  Speaker 5: And maybe it's a way just to leverage the Greenbrier
• 18:55
  Speaker 5: to try and work a deal with them. Obviously we
• 18:58
  Speaker 5: know that the current lender is is a it's a
• 19:01
  Speaker 5: separate entity, but ultimately the owners when you get down
• 19:04
  Speaker 5: to it, or the Omni group, the family that runs
• 19:08
  Speaker 5: a big hotel chain, I think they. I think they
• 19:12
  Speaker 5: operate the homestead too, so which I haven't been there
• 19:16
  Speaker 5: in years and years, so I'm not sure how well
• 19:18
  Speaker 5: it operates. You know, we all better. I don't frequent
• 19:22
  Speaker 5: the Greenbrier. It's impressive when you go down there. I
• 19:24
  Speaker 5: will say, over the last few years when I've been there,
• 19:26
  Speaker 5: it has been less impressive, uh not maintained the way
• 19:31
  Speaker 5: it had been in the past. Will be better off
• 19:34
  Speaker 5: if the Omni group gets it and runs it, I
• 19:37
  Speaker 5: don't know, tend to think. I mean they have the
• 19:40
  Speaker 5: I think they have the wherewithal to put resources into
• 19:43
  Speaker 5: it to improve it. But well, we'll kind of see
• 19:49
  Speaker 5: how that how that plays out. There's and then you
• 19:52
  Speaker 5: have all these that's one lender that sad maybe three
• 19:57
  Speaker 5: hundred million. We'll just say, and then as we also
• 20:00
  Speaker 5: there's multiple tax liens recorded. Those are kind of super leens,
• 20:04
  Speaker 5: meaning you know, if you have same situation. Let's say
• 20:13
  Speaker 5: Deale Cooper has borrowed money and you got a mortgage,
• 20:16
  Speaker 5: but in the five years you had that mortgage making
• 20:19
  Speaker 5: your payments, you've also incurred federal income tax liens that
• 20:22
  Speaker 5: have been recorded or state income tax liens that have
• 20:25
  Speaker 5: been recorded. If you go to borrow money to pay
• 20:31
  Speaker 5: off your normal lender in that transaction, that new lender
• 20:37
  Speaker 5: is gonna want all those other liens paid off because
• 20:39
  Speaker 5: they don't want anybody to be in front of them
• 20:41
  Speaker 5: as a lienholder, as a as a person that has
• 20:44
  Speaker 5: a right to the property ahead of them. So that
• 20:48
  Speaker 5: may be something that's I mean, they're gonna I think
• 20:51
  Speaker 5: they're gonna have to borrow enough money or come up
• 20:55
  Speaker 5: with enough money, not just to pay off this particular
• 20:57
  Speaker 5: lender that filed a lawsuit, but other creditors they might
• 21:03
  Speaker 5: have that of fileens. And the state in fact has
• 21:05
  Speaker 5: moved to intervene in the case because State Tax Department,
• 21:12
  Speaker 5: because they have significant interest in the property and getting
• 21:15
  Speaker 5: paid for things like unpaid consumer sales tax, which is
• 21:19
  Speaker 5: really bad because it was actually that's what when you
• 21:23
  Speaker 5: go there. I went there a year and a half
• 21:27
  Speaker 5: ago for actually the State bar annual meeting and seal
• 21:31
  Speaker 5: my receipt there those sales I just paid five or
• 21:35
  Speaker 5: six percent in sales taxes. I wonder if it's going
• 21:37
  Speaker 5: to get where it's supposed to go. He is what
• 21:40
  Speaker 5: I ask them, boy, how about you just give that
• 21:41
  Speaker 5: back to me. I was sent it to the state myself.
• 21:44
  Speaker 3: As a former small business owner. It's also the very
• 21:46
  Speaker 3: first thing you learn how to do. It's like it's
• 21:48
  Speaker 3: how the pay your taxes. It's the very first thing
• 21:51
  Speaker 3: you learn.
• 21:51
  Speaker 5: How to pay your tax and consumer sales tax.
• 21:53
  Speaker 4: And when you have to separate that out there the
• 21:54
  Speaker 4: first I.
• 21:55
  Speaker 5: Mean, when you're collecting that and intentionally spending somewhere else,
• 22:00
  Speaker 5: I mean, that's that's trust money. That's I mean, it's
• 22:03
  Speaker 5: a they could be somebody could be charged with a
• 22:07
  Speaker 5: crime for that. Uh if someone in state government prosecutor
• 22:15
  Speaker 5: had the wherewithal to take that action, then I think
• 22:19
  Speaker 5: recently one hundred percent sure, But I think recently there's
• 22:22
  Speaker 5: been some leans filed regarding the failure to remit employees
• 22:29
  Speaker 5: with holdings, which creates it's a whole nother problem. I
• 22:35
  Speaker 5: don't know the details on that, so I don't want
• 22:37
  Speaker 5: to be quite a direct but what I think I
• 22:41
  Speaker 5: read was that there's leans out there. You know, obviously,
• 22:45
  Speaker 5: when you get your paycheck, you got deductions for various
• 22:48
  Speaker 5: with holdings, and at least some of those have not
• 22:52
  Speaker 5: been remitted to the state or the Feds. I can't
• 22:56
  Speaker 5: remember which one. So that's another. Now that's a little
• 22:59
  Speaker 5: bit different because it doesn't mean they were I mean
• 23:03
  Speaker 5: consumer sales tax the Greenberg actually got the money and
• 23:07
  Speaker 5: didn't pass it along want to with holdings. I mean,
• 23:10
  Speaker 5: if you're supposed to get paid X amount per hour,
• 23:15
  Speaker 5: obviously you don't actually receive that amount. You receive a
• 23:17
  Speaker 5: net amount after deductions. But sometimes that's money an employer
• 23:21
  Speaker 5: just doesn't have, so they didn't collect it and not
• 23:24
  Speaker 5: pay it. But it's part of the employees pay, so
• 23:27
  Speaker 5: to speak. Because that then, of course jobs with your
• 23:32
  Speaker 5: W two and your tax filing by the by the
• 23:37
  Speaker 5: employee the following year, and I think generally that you'll
• 23:40
  Speaker 5: still get your I mean the W two OTT to
• 23:43
  Speaker 5: reflect the withholdings. But if the FEDS or the state
• 23:47
  Speaker 5: government didn't actually receive the withholdings reflected on the W two.
• 23:51
  Speaker 5: That can create problems for employees somewhere down the road. Yeah,
• 23:55
  Speaker 5: get an alert well that you know you filed something
• 23:57
  Speaker 5: saying that you know you are be paid X amount
• 24:01
  Speaker 5: of taxes during the year, but we don't have evidence
• 24:03
  Speaker 5: we actually received that money.
• 24:04
  Speaker 4: Nut.
• 24:05
  Speaker 5: I can tell you from experience with another client, that
• 24:09
  Speaker 5: can take years and years to be discovered and really addressed,
• 24:15
  Speaker 5: at least on the well I think both the federal
• 24:18
  Speaker 5: and state level, because it takes a lot of coordination
• 24:20
  Speaker 5: to figure out what's going on here. Obviously there's are
• 24:22
  Speaker 5: massive programs the irs, but you know there's we'll see,
• 24:30
  Speaker 5: we'll see. I just they're going to have to come
• 24:32
  Speaker 5: up with I think a significant amount more than what
• 24:36
  Speaker 5: they actually owe this lender. But this lender is the
• 24:39
  Speaker 5: one that filed the lawsuit. So if they can come
• 24:41
  Speaker 5: up before Judge Volk rules on the merits, the final
• 24:44
  Speaker 5: ruling on this case, if they can come up with
• 24:47
  Speaker 5: enough to pay a full payoff amount to what we'll
• 24:50
  Speaker 5: call the omni creditor, then I think they have to
• 24:55
  Speaker 5: accept that money the creditor does, and then that their
• 24:57
  Speaker 5: issue would be moot. Wouldn't be an issue anymore, and
• 25:00
  Speaker 5: you're just back to all the other creditors that are
• 25:03
  Speaker 5: out there. And we also have another creditor that tried
• 25:05
  Speaker 5: to intervene that arises from some case in Kentucky from
• 25:10
  Speaker 5: maybe a decade ago, where there's a judgment rendered against
• 25:13
  Speaker 5: at least members of the Greenbrier of the Justice family
• 25:17
  Speaker 5: I think, and maybe one of the chief executives of
• 25:19
  Speaker 5: the Greenbrier affiliated or the Justice affiliated entities. They've moved
• 25:24
  Speaker 5: to intervene in the case. It's really going to be
• 25:29
  Speaker 5: difficult for the Justice Entities to come up with sufficient funds,
• 25:34
  Speaker 5: I think to pay all these creditors off. But what
• 25:36
  Speaker 5: they might, they're obviously working on it. They have a
• 25:38
  Speaker 5: plan to do it. I'm kind of honestly, I've been
• 25:41
  Speaker 5: waiting to see if we're going to see a bankruptcy filing,
• 25:45
  Speaker 5: and bankruptcy filing is pretty power. It would it would
• 25:49
  Speaker 5: meet if they filed. If these entities file bankruptcy, of course,
• 25:54
  Speaker 5: it requires a full disclosure of all debts and all
• 25:57
  Speaker 5: assets if that happens, which may be one of the
• 25:58
  Speaker 5: reasons it hasn't happened because normally with the type of
• 26:02
  Speaker 5: creditors we're seeing here. Bankruptcy would have been a serious
• 26:06
  Speaker 5: option looked at probably quite some time ago. But if
• 26:11
  Speaker 5: it gets to that point we see a bankruptcy filing,
• 26:14
  Speaker 5: then all this will start. There's what's called an automatic
• 26:16
  Speaker 5: stay when someone files bankruptcy and all creditors at least
• 26:20
  Speaker 5: temporarily have to stop trying to collect the debt and
• 26:23
  Speaker 5: it goes into separate bankruptcy proceedings. So that's also an
• 26:28
  Speaker 5: option here coming up. It doesn't mean they would get
• 26:31
  Speaker 5: out of paying all the debt necessarily, but it certainly
• 26:33
  Speaker 5: would stop this kind of emergency situation they're in right
• 26:39
  Speaker 5: now with creditors.
• 26:42
  Speaker 3: Let's go ahead and do this. Let's go ahead and
• 26:43
  Speaker 3: take our break. We still have plenty more than we're
• 26:45
  Speaker 3: going to talk about. Then kind of talk about the
• 26:46
  Speaker 3: Greenbrier just a little bit, Tom, with an ego view
• 26:48
  Speaker 3: of perspective there from the legal situation. Anything that you
• 26:51
  Speaker 3: want to talk about this morning, though you're welcome to,
• 26:53
  Speaker 3: gives a call in way in on and including anything
• 26:55
  Speaker 3: that Tom's already talked about this morning gives the call
• 26:57
  Speaker 3: threes or a four three four five fifty eight fifty
• 26:59
  Speaker 3: eight three four five fifty eight. You can find out
• 27:01
  Speaker 3: more about the Payton Law Firm online Peyton Lawfirm dot com.
• 27:03
  Speaker 3: That's with an E P E Y T you in
• 27:06
  Speaker 3: Payton Law Firm dot com. We'll take a break and
• 27:08
  Speaker 3: be back right after this. You're listening to Ask the
• 27:10
  Speaker 3: Lawyer with Tom Payton on five ADWCCHS the Voice of Charles.
• 27:13
  Speaker 6: According to Feeding America, over seven million seniors nationwide where
• 27:17
  Speaker 6: food insecure in twenty twenty two. West Virginia is no different. Hi,
• 27:21
  Speaker 6: I'm Jason, President and CEO of Union Mission Ministries. For
• 27:24
  Speaker 6: one hundred and thirteen years, Union Mission has focused on
• 27:27
  Speaker 6: helping people in need. Right now, our senior citizens need
• 27:31
  Speaker 6: our help. That is why Union Mission is partnering with
• 27:33
  Speaker 6: local senior living facilities to get food delivered directly to
• 27:37
  Speaker 6: those in need. Will you help us reach more seniors?
• 27:40
  Speaker 6: Visit Union Mission dot com to learn more.
• 27:43
  Speaker 7: Your Putnam County Assessor's Office is mandated to ensure your
• 27:46
  Speaker 7: real estate is evaluated properly and fairly. This year, their
• 27:50
  Speaker 7: field personnel will be in the Winfield town first and
• 27:54
  Speaker 7: then move to Scott District to revisit homeowners plus new
• 27:58
  Speaker 7: construction in the county will be assess they will be
• 28:01
  Speaker 7: in marked vehicles and we'll have photo ID and business cards.
• 28:05
  Speaker 4: If you have any questions.
• 28:06
  Speaker 7: About this process, visit their website at Putnamcoassessor dot com.
• 28:10
  Speaker 7: That's Putnamcoassessor dot com.
• 28:13
  Speaker 8: DQ presents the Blizzard Double Flip Deal for a limited time.
• 28:17
  Speaker 8: When you buy one Blizzard Tree, you get a second
• 28:20
  Speaker 8: for just ninety nine cents. That's two Blizzards, two spoons,
• 28:23
  Speaker 8: two flavors, and two flips. So don't miss out on
• 28:26
  Speaker 8: the Blizzard double Flip deal, available only for a limited
• 28:29
  Speaker 8: time and happening now at DQ. Because the only thing
• 28:32
  Speaker 8: better than a Blizzard treat is a second Blizzard Tree
• 28:35
  Speaker 8: for just ninety nine cents. It's a deal to flip
• 28:38
  Speaker 8: for the Blizzard Double Flip Deal, get it in the app.
• 28:41
  Speaker 8: Participation may vary.
• 28:47
  Speaker 1: Now, let's check in on traffic from the five ad
• 28:49
  Speaker 1: WCCHS studio.
• 28:54
  Speaker 9: Good morning, here's your traffic update of pothole patching operation
• 28:57
  Speaker 9: on I sixty four east of milemarker fifty two to
• 29:00
  Speaker 9: mile marker fifty three at Dunbar debris and the roadway
• 29:03
  Speaker 9: on I sixty four east at mile marker fifty at
• 29:06
  Speaker 9: Institute A vehicle crash on County Route one fourteen over
• 29:10
  Speaker 9: six Hillcrest Drive East and Crestmont Drive in Charleston, and
• 29:14
  Speaker 9: congestion and delays on I sixty four east at mile
• 29:17
  Speaker 9: marker fifty eight at Virginia Street. I'm chapel in the
• 29:20
  Speaker 9: WCHS Network traffic studio.
• 29:38
  Speaker 4: He's eleven minutes off the top of the hour.
• 29:40
  Speaker 3: You're listening to, asked the lawyer with Tom Payton his
• 29:42
  Speaker 3: hair in studio one five at ewch's Voice at Charleston. Here,
• 29:45
  Speaker 3: welcome away in on the conversation this morning. It us
• 29:47
  Speaker 3: a call this morning. Fund lines are open at three
• 29:49
  Speaker 3: zero four three four five fifty eight fifty eight three
• 29:51
  Speaker 3: four five fifty eight fifty eight. If you want to
• 29:52
  Speaker 3: put the law on your side with a Payton law firm,
• 29:55
  Speaker 3: you can also, of course send in a text message
• 29:57
  Speaker 3: this morning three zero four non three five five zers
• 29:58
  Speaker 3: you're eight. I got that in front of your right now.
• 30:00
  Speaker 3: If you have any questions for Tom Payton and the
• 30:02
  Speaker 3: via the text line number three or four non three
• 30:03
  Speaker 3: five five zero zero eight.
• 30:05
  Speaker 4: Yeah.
• 30:06
  Speaker 5: If you want to call us at the office, our
• 30:08
  Speaker 5: number there's three oh four seven five five five five
• 30:11
  Speaker 5: five six. Then you can go to our website, send
• 30:14
  Speaker 5: us an email. We try and respond the same day.
• 30:16
  Speaker 5: It's non answering service, or a call center comes actually
• 30:20
  Speaker 5: to Dad and ize personal email addresses, and we we
• 30:25
  Speaker 5: try and respond, and we we if you leave a voicemail,
• 30:29
  Speaker 5: actually you can leave a We have voice over Internet
• 30:33
  Speaker 5: provided phones, so if you leave a voicemail, it actually
• 30:35
  Speaker 5: sends an electronic voice file to our through our emails,
• 30:39
  Speaker 5: which we can if you do have an emergency, we
• 30:42
  Speaker 5: other when we're sleeping. We check that generally twenty four
• 30:44
  Speaker 5: hours a day. So yeah, I've been talking about the
• 30:47
  Speaker 5: Green Brow which is interesting, but maybe a little bit
• 30:51
  Speaker 5: about what we do at our office. Mostly, of course,
• 30:54
  Speaker 5: we're we're kind of a consumer oriented law firm, meaning
• 30:57
  Speaker 5: we generally represent everyday people small do some small business
• 31:01
  Speaker 5: work for sure, state planning, deed work, some criminal defense,
• 31:08
  Speaker 5: just trying to help people with things that they need
• 31:10
  Speaker 5: on a daily basis. But what we really like to
• 31:13
  Speaker 5: do and probably are bread and butter, is trial work.
• 31:16
  Speaker 5: On the plane of side meeting. We represent regular people
• 31:19
  Speaker 5: normally on contingency fee, where you don't pay us unless
• 31:21
  Speaker 5: we prevail if they've been hurt in some way, A
• 31:24
  Speaker 5: lot of automobile accident case. There's a lot of insurance disputes,
• 31:27
  Speaker 5: which is essentially what an automobile accident case normally is.
• 31:30
  Speaker 5: You rarely deal directly with the person. If somebody hits
• 31:33
  Speaker 5: you and injures you and it's their fault, you're actually
• 31:37
  Speaker 5: have very little, if any dealings with the person who
• 31:39
  Speaker 5: calls the accident You're you're dealing with their insurance company.
• 31:42
  Speaker 5: And so if you have an insurance dispute of any kind,
• 31:47
  Speaker 5: certainly reach out to us, and we never all those
• 31:51
  Speaker 5: cases we take on contingency fee where we don't get
• 31:54
  Speaker 5: paid unless we prevail, And on any issue you have
• 31:58
  Speaker 5: your initial contact and can unication with us, We'll always
• 32:01
  Speaker 5: be treated as an initial consultation, which we don't charge for,
• 32:05
  Speaker 5: so uh never. You know, it's hard for me to
• 32:08
  Speaker 5: back out and see it because I grew up with
• 32:11
  Speaker 5: you know, with my dad being a trial lawyer in
• 32:13
  Speaker 5: practicing law full time and then me doing it for
• 32:16
  Speaker 5: twenty five years now, so it's hard to go back
• 32:18
  Speaker 5: and think about what it would be like not knowing,
• 32:22
  Speaker 5: you know, getting in a situation and not knowing the
• 32:24
  Speaker 5: law at all, and that would be uncomfortable for me
• 32:27
  Speaker 5: in a lot of aspects. So if you feel like
• 32:29
  Speaker 5: that and you're in a situation, don't hesitate to send
• 32:32
  Speaker 5: us an email or give us a call. Usually we
• 32:33
  Speaker 5: can spend you know, a few minutes on the phone
• 32:36
  Speaker 5: with you, and sometimes it's just some information you need
• 32:38
  Speaker 5: and then you can take care of the matter yourself.
• 32:42
  Speaker 2: Well.
• 32:42
  Speaker 5: Also do a decent amount. We don't have thousands of
• 32:45
  Speaker 5: them because I'm fairly selective on the ones I take,
• 32:48
  Speaker 5: but we do a decent amount of SO security disability.
• 32:50
  Speaker 5: I actually I have a hearing this morning. I think
• 32:54
  Speaker 5: the judge is actually in Maryland for this SOCH Scurity
• 32:57
  Speaker 5: Disability hearing, and we're doing it by phone, pretty much
• 33:00
  Speaker 5: all by phone with so security. Now they're doing starting
• 33:03
  Speaker 5: to do some finally via zoom or teams or where
• 33:09
  Speaker 5: they can actually see the claim, and me obviously through
• 33:12
  Speaker 5: a computer, which I don't like, as well as being
• 33:17
  Speaker 5: live in person because most of my clients, or maybe
• 33:22
  Speaker 5: all of them are have meritorious cases and I think
• 33:25
  Speaker 5: ultimately what the judge is trying to do is see
• 33:27
  Speaker 5: whether can this person really perform full time work or not,
• 33:31
  Speaker 5: And I think sizing a person up in person is
• 33:33
  Speaker 5: much more meaningful than certainly a phone phone testimony or
• 33:39
  Speaker 5: seeing them through the computer. But that's just they're backlogged
• 33:42
  Speaker 5: and that's the way it goes. So, for example, the
• 33:45
  Speaker 5: client I have today, this person has been unable to
• 33:50
  Speaker 5: work since September twenty twenty three, and we're just now
• 33:54
  Speaker 5: getting hearing, you know, close to three years later, which
• 33:59
  Speaker 5: is why if you think you have a mental or
• 34:04
  Speaker 5: physical issue that's going to keep you off work for
• 34:07
  Speaker 5: twelve months or longer, I would really encourage folks to
• 34:12
  Speaker 5: go out and file their application for SOBI security disability
• 34:16
  Speaker 5: with the SOB Security Administration. I believe they're doing most
• 34:19
  Speaker 5: of them by phone. You can still go in person,
• 34:23
  Speaker 5: but that application there's nothing really tricky about it. If
• 34:28
  Speaker 5: there's some kind of air in the process, that can
• 34:30
  Speaker 5: be amended later by us. But you're usually just giving
• 34:34
  Speaker 5: some basic information to the SOB Security Administration what your
• 34:37
  Speaker 5: problems are, why you can't work, when you last worked,
• 34:41
  Speaker 5: and just your kind of normal personal data, where you live,
• 34:44
  Speaker 5: you know, basics like that, and that's the application and
• 34:47
  Speaker 5: then oh, it usually takes some thirty to ninety days
• 34:51
  Speaker 5: unless there's something complicated to make the initial decision and
• 34:54
  Speaker 5: I'll tell you that in my experience, probably ninety nine
• 34:58
  Speaker 5: percent of applications are denied off the bat unless I
• 35:03
  Speaker 5: mean then once you get denied, that's when you need
• 35:08
  Speaker 5: to give us a call or the lawyer of your choice,
• 35:13
  Speaker 5: and then we take over from there. But then there's
• 35:14
  Speaker 5: a continued You don't just automatically get a hearing. You
• 35:17
  Speaker 5: have to ask for a reconsideration of the initial denial,
• 35:20
  Speaker 5: and then when that's denied, which it is most of
• 35:23
  Speaker 5: the time again, then you get your chance to request
• 35:27
  Speaker 5: a hearing. And then from the time you request it, it
• 35:29
  Speaker 5: might take a year more to get a hearing, but
• 35:32
  Speaker 5: it's important a lot of times once you get that
• 35:36
  Speaker 5: first denial after your application of good and get in
• 35:38
  Speaker 5: contact with a lawyer because getting the documents that need
• 35:44
  Speaker 5: to be in the file in the so security file
• 35:47
  Speaker 5: prior to the hearing is extremely important. And I would
• 35:53
  Speaker 5: strongly encourage folks to get lawyers and not try and
• 35:56
  Speaker 5: represent themselves at the hearing because once you do that,
• 35:59
  Speaker 5: you generally get one bite at the apple. So you
• 36:02
  Speaker 5: can't well, I lost that hearing, Now we'll get a lawyer. Well,
• 36:05
  Speaker 5: it's you can't just go back and relitigate your case.
• 36:08
  Speaker 5: You've had your shot at it, and there are exceptions,
• 36:12
  Speaker 5: but normally you don't just go back and get to
• 36:14
  Speaker 5: re argue. And our office, i think probably universally all
• 36:21
  Speaker 5: lawyers that handle SISCO disability cases, those are contingency fee
• 36:25
  Speaker 5: as well. So if you have a claim and you
• 36:29
  Speaker 5: have you know, you have it screened by an attorney
• 36:32
  Speaker 5: and for example US, and we're willing to take it.
• 36:36
  Speaker 5: If the case goes bad and we don't win your claim,
• 36:38
  Speaker 5: you don't pass anything. So which is so there's really
• 36:42
  Speaker 5: no now you do if they if the lawyer wins
• 36:45
  Speaker 5: the case, or if you win your claim and you
• 36:46
  Speaker 5: have an attorney, they do get paid a percent. It's
• 36:49
  Speaker 5: twenty five percent of only your back pay, so you're
• 36:51
  Speaker 5: not going to lose your monthly payments going forward. Do
• 36:55
  Speaker 5: not have an attorney fee taken out of it. There's
• 36:57
  Speaker 5: a twenty five percent deduct by the Security Administration when
• 37:01
  Speaker 5: you get your award only from what from your back pay,
• 37:05
  Speaker 5: And in that twenty five percent is also capped at
• 37:07
  Speaker 5: a certain amount, So it's twenty five percent or a
• 37:10
  Speaker 5: maximum of X Let's say, uh, it's twenty five percent
• 37:14
  Speaker 5: more than that it's less than that. But well, these
• 37:16
  Speaker 5: these hearings are claims are extremely important. I mean the
• 37:20
  Speaker 5: person I'm talking about that I have the hearing for today,
• 37:24
  Speaker 5: this person has not worked in three years and has
• 37:28
  Speaker 5: had no source of income for three years. So if
• 37:35
  Speaker 5: if he, if this person prevails in their claim, then
• 37:39
  Speaker 5: they're going to get back pay. There's a little it's technical,
• 37:44
  Speaker 5: it won't be the full three years, but you know,
• 37:46
  Speaker 5: all those months of back pay will be coming in.
• 37:48
  Speaker 5: And if if this claimant doesn't win then or just
• 37:53
  Speaker 5: I mean they I believe my client that this person
• 37:57
  Speaker 5: cannot work, so they're going to continue to carrying on
• 38:01
  Speaker 5: the best they can with zero income. So you know,
• 38:05
  Speaker 5: you don't get jury trials, you get a hearing before
• 38:08
  Speaker 5: an administrative law judge. But those claims are extremely important
• 38:13
  Speaker 5: to the clients and it's important you give them close
• 38:16
  Speaker 5: attention and they don't just become a number for the lawyer,
• 38:21
  Speaker 5: and they certainly don't at our office. But maybe more important,
• 38:29
  Speaker 5: I just don't know why folks, if they're aware of
• 38:31
  Speaker 5: how it works where you don't have to pay a
• 38:33
  Speaker 5: lawyer or retainer or any money up front secure counsel
• 38:37
  Speaker 5: for your so scared disability claims. Yeah, out of time, yeah, but.
• 38:40
  Speaker 4: Out of time there.
• 38:41
  Speaker 3: And I also wanted to just drop in here because
• 38:43
  Speaker 3: so many people are doing it. The AI lawyers are
• 38:45
  Speaker 3: not going to help you out here at all. Maybe
• 38:47
  Speaker 3: not as big in this area yet, but I've been
• 38:49
  Speaker 3: reading more and more about people trying to use this
• 38:50
  Speaker 3: for situations like that.
• 38:51
  Speaker 4: Not a great idea, No, that.
• 38:53
  Speaker 5: Will AI see legal opinions from AIS all the time
• 38:58
  Speaker 5: and they're wrong about half the time. Gives you kind
• 39:01
  Speaker 5: of a broad view of the process.
• 39:03
  Speaker 4: That's it.
• 39:03
  Speaker 5: It's not a substitute for a real lawyer for sure.
• 39:05
  Speaker 4: Peyton Lawfirm dot com, p E Y t O inn
• 39:07
  Speaker 4: Peyton Law from dot com seven five five fifty five
• 39:10
  Speaker 4: fifty six seven five five fifty five fifty.
• 39:12
  Speaker 3: Six in Nitro, West Virginia, serving you at three zero
• 39:14
  Speaker 3: four seven five five fifty five fifty six.
• 39:16
  Speaker 4: Tom, we'll see you back here next week.
• 39:18
  Speaker 5: Well, I'll be in the Grand Canyon. We'll see Harvey
• 39:20
  Speaker 5: back here next Hopefully you'll see me in the week
• 39:22
  Speaker 5: after if I make it.
• 39:23
  Speaker 3: That sounds good, Yeah, I can talk with it. Tom
• 39:25
  Speaker 3: Payton from the Payton Law Firm. Peyton Lawfirm dot com.
• 39:27
  Speaker 3: Have a great day. Everyone listening to your voice of Charleston.
• 39:29
  Speaker 3: We are five adwchs