Latest / WCHS Network Podcasts / 08/08/2024 Ask the Lawyer with Tom Peyton

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08/08/2024 Ask the Lawyer with Tom Peyton · WCHS Network Podcasts

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Speaker 3: Put the power of Peyton on the side.
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Speaker 5: Of babes Hey, very fuch a. Good morning to you.
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Speaker 5: Are listening to the fight where you can put the
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Speaker 5: power of patent on your side. You're listening to five ADWCHS.
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Speaker 5: The voice Charles and I'm del Cooper. Tom Peyton from
1:01
Speaker 5: the Paithon Law Firm is in studio with us this
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Speaker 5: morning time. Good morning, ho are you doing this?
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Speaker 6: Good morning? The power of Peyton is here. I'm glad
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Speaker 6: to be here. Take any questions or calls you might have.
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Speaker 5: So whatever you may have that you want to ask
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Speaker 5: Tom about, you welcome. We gives a call this morning
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Speaker 5: three zero four three four five fifty fifty eight three
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Speaker 5: four five fifty fifty. You can text over questions if
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Speaker 5: you like as well to three zero four nine three
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Speaker 5: five five zero zero eight three zero four nine three
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Speaker 5: five five zero zero eight More on the Peyton Law
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Speaker 5: Firm online. It's Payton Lawfirm dot com. P E y
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Speaker 5: t O in Payton Lawfirm dot com. So what's going on, Tom?
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Speaker 3: Yeah?
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Speaker 6: I hope we get some calls, you know, just I
1:28
Speaker 6: really like doing the show. Gives me the what thirty
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Speaker 6: nine minutes and thirty seconds to.
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Speaker 4: Just talk about, right, bro, whatever you want to It's.
1:35
Speaker 6: Not going to be start a little bit late after
1:36
Speaker 6: the news, but close to that. But you know, just
1:39
Speaker 6: we are really busy at the office, and I don't
1:41
Speaker 6: mind answering folks in general questions like we do on here.
1:43
Speaker 6: It's just sometimes obviously the litigation is intense and we
1:48
Speaker 6: have to give priority to our current clients. So I
1:51
Speaker 6: really like getting this break where I don't have to
1:52
Speaker 6: worry about anything else but hopefully answering some questions or
1:56
Speaker 6: inquiries from folks. I know, I was with Jeff last
1:59
Speaker 6: week kind of just want to do a quick follow up.
2:02
Speaker 6: We spent most of the time on the subject, and
2:05
Speaker 6: I don't think we need to beat a dead horse,
2:07
Speaker 6: but it was about the agreed it is important when
2:09
Speaker 6: you get the Greenbrier now the hotel up for public
2:13
Speaker 6: sale as a result of a non judicial foreclosure proceeding.
2:18
Speaker 6: I think it's August twenty seventh, if I remember off
2:20
Speaker 6: the top of my head. But you know, there was
2:22
Speaker 6: some questions posed to Governor Justice about that, and you know,
2:25
Speaker 6: he poo pooted it as fake news, and I think
2:28
Speaker 6: he maybe even a public statement saying it was some
2:32
Speaker 6: kind of democratic machine conspiracy or something, which I thought
2:36
Speaker 6: was ridiculous when it's coming from JP Morgan Bank, which
2:41
Speaker 6: I don't know what their holdings are rebellions probably, so
2:45
Speaker 6: I don't think they're doing that. But and then we
2:50
Speaker 6: also talked about how these virtual briefings they have barred
2:55
Speaker 6: Brad Michael Haney from doing any He can't participate just
2:59
Speaker 6: because he asked the questions that they don't like, which
3:01
Speaker 6: I think is shameful and dangerous to the people of
3:05
Speaker 6: West Virginia to start censoring reporters just because they ask
3:09
Speaker 6: a question you don't like. That's the opposite of the
3:13
Speaker 6: way it should be in my opinion, unless you have
3:14
Speaker 6: a rogue reporter just harassing or interrupting and things like that.
3:18
Speaker 6: And certainly Brad was not doing that. In fact, as
3:20
Speaker 6: I understand it, when you're allowed to participate as a
3:23
Speaker 6: member of the press, and those virtual briefings, once you
3:26
Speaker 6: asked your question.
3:27
Speaker 4: They mute you, so there's no no follow up.
3:29
Speaker 6: Follow up questions, which are our key if you really
3:32
Speaker 6: want to get try to get meaningful information. But subsequent
3:37
Speaker 6: to our share last week, you know what had happened
3:40
Speaker 6: was David Morgan Bink either assigned or sold the debt
3:43
Speaker 6: to another entity known as Beltway Capital, and then they're
3:47
Speaker 6: the ones that are apparently moving forward with the default
3:52
Speaker 6: and the foreclosure and as if it was just some
3:54
Speaker 6: kind of thing that came on real quickly. But there's
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Speaker 6: litigation regarding this debt in New York. It's actually in the.
4:06
Speaker 4: Somewhere.
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Speaker 6: I don't know which court it is, but they have
4:09
Speaker 6: a different like the Supreme Court in New York I
4:11
Speaker 6: think is more like.
4:11
Speaker 4: Their trial court.
4:13
Speaker 6: But in any event, there was an exhibit filed in
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Speaker 6: that case, and it's back from April of this year,
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Speaker 6: and it's noting that they had multiple kind of modification agreements,
4:25
Speaker 6: the most recent one being in December twenty twenty three,
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Speaker 6: and it's not addressed to the Governor, but it's addressed
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Speaker 6: to JAMEC. Justice, the second, which I assume is Governor
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Speaker 6: Justice's son. And it's very clear that JP Morgan Chase
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Speaker 6: Bank had tried to work with them despite I think
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Speaker 6: this was the sixth amended modification agreement. Then there weren't
4:47
Speaker 6: payments made.
4:48
Speaker 4: There was a.
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Speaker 6: Reduction, as I understand, a negotiated excuse me. It's at
4:54
Speaker 6: least implied in the letter, and there's an amount applied
4:57
Speaker 6: that it was a reduced, subtle amount that could be
4:59
Speaker 6: paid to either pay off the debt or cure the
5:02
Speaker 6: default of ten million, four hundred thousand dollars that is
5:06
Speaker 6: now off the table based on this letter from April.
5:10
Speaker 6: It notes that interest payments and principal payments hadn't been made,
5:13
Speaker 6: so just again reserving JP Morgan's rights to enforce the
5:17
Speaker 6: debt because this new agreement had been defaulted upon. So
5:22
Speaker 6: it's not something that should have been a surprise to
5:26
Speaker 6: the Justice family, I wouldn't think. And then this Beltway Capital.
5:31
Speaker 6: I looked them up and they're essentially a financial entity
5:37
Speaker 6: that's willing to take on you bad bad bye, Bob,
5:39
Speaker 6: bad debt, right, potentially bad debt, and they market it
5:42
Speaker 6: to primary lenders by hey, are you tired of servicing
5:46
Speaker 6: this loan?
5:48
Speaker 4: And that kind of thing? Which is and you can.
5:50
Speaker 6: So it's not some I don't believe it's some conspiracy
5:56
Speaker 6: between two rather large financial entities. It looks like from
5:59
Speaker 6: a satellite view that you know, JP Morgan Bank is
6:02
Speaker 6: tired of dealing with this, and they're not necessarily in
6:06
Speaker 6: the business of litigating or foreclosing on property, and so
6:10
Speaker 6: they've in essence most likely cut their losses and sold
6:13
Speaker 6: the debt to another entity who's using Beltway Capital to
6:18
Speaker 6: do the foreclosures. So all this, you know, claim that
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Speaker 6: it was sudden and unknown and a breach of some agreement.
6:25
Speaker 6: You know, Justice or his entities are the ones that
6:29
Speaker 6: breach the agreement according to this letter, And so we'll
6:31
Speaker 6: see it's just a if. They made a public statement
6:34
Speaker 6: last week actually right before our show, and I didn't
6:36
Speaker 6: really have a chance to read it very well. That
6:39
Speaker 6: did not address any specifics. So when you see that
6:41
Speaker 6: kind of public statement that ignores specific facts that are important,
6:46
Speaker 6: always question it. And then it was it was part
6:49
Speaker 6: of the statement was attributed to a lawyer in a
6:51
Speaker 6: law firm, and then the gazette actually had an article
6:55
Speaker 6: later that week and or this week. We're at least
6:57
Speaker 6: an assistant in that law firm when called said that
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Speaker 6: statement isn't attributable to us. We don't know where where
7:04
Speaker 6: that came from. So that's also highly unusual. But doesn't
7:08
Speaker 6: sound like there'll be any questions regarding that. I don't
7:11
Speaker 6: know that there's another virtual briefing, said, I was kind
7:14
Speaker 6: of hoping there would be a virtual breething so they
7:16
Speaker 6: can see if the pony's there, right, he's got the dog, yeah, right,
7:19
Speaker 6: so he just needs the pony and he can have
7:21
Speaker 6: his dog.
7:22
Speaker 4: That's right.
7:23
Speaker 5: But one thing I don't want to insert myself too
7:25
Speaker 5: much in this conversation, but I do have a little
7:26
Speaker 5: bit of experience. I worked mortgages for years and years,
7:29
Speaker 5: and one of the things that is familiar to me
7:31
Speaker 5: with this is a lender working with someone in foreclosure
7:35
Speaker 5: number one. They work with them a lot, and a
7:38
Speaker 5: private citizen with like a two hundred thousand dollars mortgage
7:40
Speaker 5: may not get this same opportunity to try again and
7:44
Speaker 5: try again, and try again and try again before you
7:46
Speaker 5: get it going into foreclosure. And then the other thing
7:48
Speaker 5: is is this is very typical where you have somebody
7:51
Speaker 5: who's like a prime lender, somebody who holds their own
7:54
Speaker 5: paper when it's a paper, when it degrades to like
7:57
Speaker 5: you know, b paper or all the way down, they
7:59
Speaker 5: package it up and sell it over to other entities
8:01
Speaker 5: who service bad paper. That's in fact, that's what God
8:03
Speaker 5: is into trouble with the h with the the financial problems,
8:07
Speaker 5: with the mortgages and stuff. There was too much bad
8:09
Speaker 5: paper being sold. So this is a very.
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Speaker 4: Normal Cutters in two thousand and eight, Yeah, exactly.
8:13
Speaker 5: This is a very normal kind of transaction when bad
8:16
Speaker 5: paper and it's bad papers, that's right.
8:17
Speaker 6: And it's you know, it's the sixth Amended Modification Agreement,
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Speaker 6: so you know they didn't they didn't reach agreement one day,
8:24
Speaker 6: and another one next day, another on the next day.
8:26
Speaker 4: I assume this has.
8:27
Speaker 6: Been going on for a number of years here where
8:29
Speaker 6: there's been problems and it's unfortunate.
8:32
Speaker 4: I hope.
8:33
Speaker 6: I do think that if it does go to public
8:36
Speaker 6: foreclosure sale and someone buys it, it probably will have
8:39
Speaker 6: to continue to operate similar to how it is, although
8:43
Speaker 6: if it's not making profit then or even enough revenue
8:48
Speaker 6: to pay costs, that that could be a problem. They'll
8:51
Speaker 6: probably be a change in some form. But because it
8:54
Speaker 6: doesn't include the foreclosed the collateral does not include the
8:58
Speaker 6: golf courses and yeah, yeah other things, then you know,
9:01
Speaker 6: I don't know what you would do with the Greenbrier
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Speaker 6: Hotel other than continue to operate it as a hotel
9:06
Speaker 6: with these other amenities with some kind of partnership agreement.
9:09
Speaker 6: So we'll see how it plays out. It's it's I
9:12
Speaker 6: hope it doesn't result in, you know, the shuddering of
9:14
Speaker 6: the Greenbrier, even temporarily, and not I have faith that
9:17
Speaker 6: it won't. But it's it's certainly news and not not
9:20
Speaker 6: fake things, yeah, which was it was labeled as by
9:25
Speaker 6: the Governor's office. So but anyway back to well the.
9:29
Speaker 5: Things we can move. If you have other questions, of course,
9:31
Speaker 5: you give us a call. Three zero four three four
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Speaker 5: five fifty fifty eight three four five fifty fifty eight.
9:34
Speaker 5: You can text threes or four nine, three, five five here.
9:36
Speaker 4: Yeah, back to the law.
9:37
Speaker 6: Maybe we'll you know, we talk about what we do
9:39
Speaker 6: a little bit. You know, we are our bread and
9:41
Speaker 6: butter is trial work, litigation on behalf of normal everyday folks.
9:45
Speaker 6: So if you've been in an automobile accident, or you
9:48
Speaker 6: have a hopefully not you have a family member passed
9:53
Speaker 6: away and a life insurance claim is denied for example,
9:55
Speaker 6: or your homeowner's insurance claim is denied. Uh, those the
9:59
Speaker 6: type of cases that are our bread and butter, and
10:01
Speaker 6: we tend to do really well with them. We've been
10:03
Speaker 6: doing them combined experience over fifty years and we like,
10:09
Speaker 6: I enjoy trying cases to jurys. You can kind of
10:12
Speaker 6: think about it as you know, it's different, but you
10:17
Speaker 6: know it's like the game. So you practice practice, practice.
10:20
Speaker 6: The trial is your game. And you know, we feel
10:22
Speaker 6: like we're game players and we've done well. Dad and
10:25
Speaker 6: I when we've tried cases jointly. I don't know that
10:28
Speaker 6: we've gotten a bad result. Honestly, nobody wins every case.
10:32
Speaker 6: If they do, then they may have tried one case
10:35
Speaker 6: because that's that's not realistic, or you just miss any
10:40
Speaker 6: risky case before it ever gets to trial, and we
10:41
Speaker 6: certainly don't don't do that, but if you've had a
10:44
Speaker 6: friend or family member with that situation, all we'd ask
10:47
Speaker 6: is you consider our law firm. We don't do a
10:49
Speaker 6: bunch of TV ads at noon or on the TV
10:52
Speaker 6: news very much or at all, frankly, and most of
10:55
Speaker 6: our business actually comes from word of mouth and referrals
10:58
Speaker 6: and the radio because we've done it for so long
11:00
Speaker 6: and so. But we have the resources, especially with technology,
11:07
Speaker 6: to compete with any firm of any size that's defending
11:10
Speaker 6: one of these large insurance companies, and we're fairly selective
11:16
Speaker 6: because we're a smaller firm. We are fairly selective in
11:19
Speaker 6: the cases that we take. You know, we can't, for example,
11:22
Speaker 6: you get an automobile accident that just involves some property damage. Well,
11:24
Speaker 6: I'm glad to tell you what the law is and
11:26
Speaker 6: what you might expect no charge, but we can't take
11:29
Speaker 6: that type of case, and you wouldn't want us to
11:31
Speaker 6: because we're going to have to take one third of
11:34
Speaker 6: what you recover. Then you can't get your car repaired,
11:36
Speaker 6: for example, or you pay us by the hour, and
11:39
Speaker 6: that doesn't make any sense. Most of the time unless
11:41
Speaker 6: you want to operate on principle, but that usually breaks
11:44
Speaker 6: down when you start analyzing the fiances of that situation.
11:47
Speaker 6: But we also do you know, when we use some
11:50
Speaker 6: so security disability. We're not a mill of those cases.
11:54
Speaker 6: We don't have a thousand of them. I'm fairly selective
11:56
Speaker 6: on those that I take as well. I want to
11:58
Speaker 6: take the ones that I think have a reasonable chain
12:00
Speaker 6: of success. And if I don't think they have a
12:01
Speaker 6: reasonable chance of success, I tell the client. I don't
12:04
Speaker 6: tell them that we don't have time or anything like that,
12:06
Speaker 6: just be honest. And there they're free to call other
12:09
Speaker 6: attorneys and ask their opinion as well. But we do
12:13
Speaker 6: and then we do deeds, wills, stake planning, a lot of
12:16
Speaker 6: small business work, you know, do some business transactions. You
12:19
Speaker 6: got a small business and maybe you want to sell
12:20
Speaker 6: it and see what that involves, or you got a
12:23
Speaker 6: local business partner and things aren't going well. You want
12:26
Speaker 6: to see the lay of the land. I've tried a case,
12:28
Speaker 6: for example, in Putnam County probably six years ago to
12:31
Speaker 6: a jury where it was a breakup of an LLC,
12:34
Speaker 6: a limited liability company, and there was some questions of
12:38
Speaker 6: fact about whether one of the partners in loan money
12:41
Speaker 6: to it and what the business was valued at. And
12:43
Speaker 6: we actually had a jury decide that answered them what
12:46
Speaker 6: they call specially interrogatories and interesting case actually the jury,
12:49
Speaker 6: that's the one that's the latest I've been up for
12:52
Speaker 6: a jury. Uh it was Thursday, I think, before the
12:55
Speaker 6: July fourth holiday, so they didn't want to come back
12:57
Speaker 6: on Friday, and uh at about nine thirty of the
13:01
Speaker 6: evening they were still deliberating and asked if we could
13:02
Speaker 6: order them pizza, and we did, and then they came
13:06
Speaker 6: back with a verdict about twelve thirty. But that's a
13:09
Speaker 6: good example of kind of something outside the box that
13:12
Speaker 6: we do. And so if you've got any issues like that,
13:16
Speaker 6: don't hesitate to give us a call or send us
13:17
Speaker 6: an email. We get really busy at times if I'm
13:21
Speaker 6: in trial, I can't return all the calls from folks
13:23
Speaker 6: that have questions. But we will get back with you.
13:26
Speaker 6: And if you don't get a response in what you
13:28
Speaker 6: view as a timely manor just follow up with us
13:30
Speaker 6: and we'll be glad to give you some information. Of course,
13:33
Speaker 6: this is a good opportunity where I am available, So
13:35
Speaker 6: if you have some general questions or issues, then you
13:38
Speaker 6: can give us a call or send us a text.
13:39
Speaker 4: And actually before I went on the.
13:40
Speaker 6: Air, we had a yeah, that's right, a question. It
13:43
Speaker 6: was a landlord tenant type issue. And I don't do
13:46
Speaker 6: a lot of those, but I do do some of
13:47
Speaker 6: them sometimes in eviction for a small.
13:52
Speaker 4: Don't do any math.
13:53
Speaker 6: You know, none of these big landlords that have these
13:55
Speaker 6: large buildings that are out of state conglomerates. But if
13:58
Speaker 6: you know mom and pop type deal are running this
14:01
Speaker 6: home we bought, or we've got a you know, a
14:03
Speaker 6: tenant in a commercial building, then you know we knew
14:05
Speaker 6: how to handle those cases as far as evictions and
14:09
Speaker 6: what your legal rights are. And so the question this
14:11
Speaker 6: morning was about an air conditioner that went out at
14:17
Speaker 6: a renter's apartment. So I assume when the word apartment
14:19
Speaker 6: is used that means it's a residential unit, because there's
14:22
Speaker 6: some different principles that apply depending on whether it's a
14:26
Speaker 6: commercial transaction, meaning you're renting to a business versus a
14:31
Speaker 6: consumer type lease where you're renting for someone to live there.
14:35
Speaker 6: And the question was kind of who is responsible to
14:39
Speaker 6: get the air conditioning fixed? So first you got to
14:41
Speaker 6: look at do you have a lease? Well, you probably
14:45
Speaker 6: do have a lease, because you're letting somebody live in
14:47
Speaker 6: property that you own and they're paying you. So it
14:51
Speaker 6: could be a verbal lease, which we don't generally like
14:54
Speaker 6: because then there is ambiguity and there's fights over what
14:58
Speaker 6: the terms are.
14:59
Speaker 4: And the the more.
15:00
Speaker 6: Ambiguity you have and the more gray areas you have
15:04
Speaker 6: on what the legal obligations are between the tenant and
15:06
Speaker 6: the landlord, the more likely you're gonna have to pay
15:08
Speaker 6: a lawyer to try and work it out later, and
15:11
Speaker 6: it might get all the way to a trial if
15:13
Speaker 6: you don't work it out.
15:14
Speaker 4: So I do.
15:16
Speaker 6: I do suggest that anyone who rents property get a
15:21
Speaker 6: written even potentially if it's a family member, get a
15:25
Speaker 6: written lease document, even if it's rudimentary. If you can't
15:28
Speaker 6: afford to pay a few hundred dollars to have a
15:29
Speaker 6: lawyer to a basic residential lease, get something in writing
15:33
Speaker 6: so you you know the basics, so you know your
15:36
Speaker 6: rights and responsibilities. So in this response or in response
15:39
Speaker 6: to this question, first you got to read the lease
15:42
Speaker 6: terms and see what the obligations are like. Oftentimes, uh,
15:46
Speaker 6: in residential leases, maybe the tenant is responsible for things
15:50
Speaker 6: inside the living space, but you get to roof structure,
15:55
Speaker 6: HVAC systems, those are commonly the response onsibility of the
16:01
Speaker 6: landlord and the property owner, because to repair that enters
16:04
Speaker 6: to the benefit of the landowner. Eventually, when the least
16:07
Speaker 6: term ends as opposed to you know, things inside the home,
16:12
Speaker 6: a hole in the wall or or you know, problem
16:14
Speaker 6: with furniture or something like that, or maybe an internal
16:17
Speaker 6: leak with a faucet, all depends, so that one's a
16:22
Speaker 6: little bit I don't know the terms of the least
16:25
Speaker 6: In order to give more reliable information and response to
16:27
Speaker 6: this question, I think from the question that, of course
16:34
Speaker 6: it is the landlord responsible to get it fixed in
16:36
Speaker 6: a timely manner. Well, if it's the landlord responsibility, certainly
16:41
Speaker 6: they have a general duty of good faith to attempt
16:45
Speaker 6: to get it repaired in a timely manner. And then
16:47
Speaker 6: this question has some reference to the contractor being delayed
16:49
Speaker 6: because of COVID, Whether it's the contractor's responsibility, that's difficult
16:55
Speaker 6: to say that would really be so in this situation.
16:59
Speaker 6: Let's take this hypothetical a little bit further. The tenant,
17:04
Speaker 6: you know, it's ninety five degrees, there's no, ac it's dangerous.
17:07
Speaker 6: They've got to move into a hotel to live. And
17:09
Speaker 6: then the landlord won't compensate them, either via a reduction
17:12
Speaker 6: of rent or a payment of out of pocket expenses.
17:16
Speaker 6: So the tenant sues the landlord. Okay, landlord says, well,
17:19
Speaker 6: what I tried, But the contractor got hired and have
17:24
Speaker 6: a contract with said they would do it within three
17:25
Speaker 6: days and they haven't shown up for six weeks, and
17:28
Speaker 6: I can't get anybody else do the work because everybody's
17:29
Speaker 6: so busy and backed up, and there's material supply issues,
17:32
Speaker 6: and so then what would probably happen there Because the
17:37
Speaker 6: tenant doesn't really have a relationship with that contractor, they
17:40
Speaker 6: can bring them in to the case if they want
17:43
Speaker 6: an attempt to make a claim against them, but they
17:45
Speaker 6: don't really have a contract with them. There's some legal
17:50
Speaker 6: principles that could make them responsible to the tenant, but
17:52
Speaker 6: more likely it'd be the landlord in that case that
17:54
Speaker 6: would then bring in the contractor and say, hey, I've
17:57
Speaker 6: been sued because us, and then the contractor would be
18:02
Speaker 6: bought brought into the case and hopefully with all those
18:05
Speaker 6: folks in line, they would get something worked out. But
18:07
Speaker 6: that you know, So it's a it's a it depends answer,
18:11
Speaker 6: which is what most answers are victual situations. But if
18:14
Speaker 6: that person needs more specifics than that, they can certainly
18:17
Speaker 6: send an email or something. And I'll be glad to
18:19
Speaker 6: chime in from the office.
18:20
Speaker 5: As we're kind of talking about basic services from the
18:23
Speaker 5: Peyton Law Firm and and ways that people can protect themselves.
18:27
Speaker 5: One thing is that one thing that I'm curious about
18:28
Speaker 5: it We may have talked about this briefly before, but
18:30
Speaker 5: one of the things I'm curious about is like, what's
18:32
Speaker 5: your sweet spot or what's your recommendation when it comes
18:35
Speaker 5: to people who's who wonders if the law can protect
18:37
Speaker 5: them in some ways. I think that there's and I
18:40
Speaker 5: think there's like a conditional push to to make people
18:44
Speaker 5: think of being litigious as being a bad thing. And
18:47
Speaker 5: I think there's some people that maybe are a little
18:49
Speaker 5: the tgious and you're like, oh, Michel, but there's I
18:51
Speaker 5: think there's some people, and I would put myself in
18:52
Speaker 5: that category where there may be opportunities in my life
18:55
Speaker 5: where maybe I should have been protected by the law
18:57
Speaker 5: I taught to you about a contractor that all right, yeah,
19:00
Speaker 5: or something like that, or civil rights something like that,
19:02
Speaker 5: where people maybe don't reach out when they should.
19:05
Speaker 6: Here's I mean, this is opinion, and like everybody's got one,
19:10
Speaker 6: and I might have a big one.
19:11
Speaker 4: But there's been.
19:15
Speaker 6: A mantra through large business and insurance companies pushing that
19:23
Speaker 6: lawsuits are bad and frivolous and it's about greedy people
19:28
Speaker 6: and things like that. So it there's a bias that's
19:32
Speaker 6: been put in our subconscious in a way, sometimes conscious
19:38
Speaker 6: against exercising your civil rights.
19:42
Speaker 4: The civil rights are there.
19:44
Speaker 6: You know, you get hurting a car wreck and you
19:46
Speaker 6: can't work and you can't support your family and somebody
19:48
Speaker 6: else was negligent, uh you, So I'm not gonna sue
19:52
Speaker 6: over that. Well, that's what are you gonna do. You
19:54
Speaker 6: can't work, you're gonna get on disability, you're going to
19:57
Speaker 6: have to get on Medicaid or Medicare, and you're not.
19:59
Speaker 6: You know, then it's going to trickle down to the
20:01
Speaker 6: rest of your family. But the idea being that if
20:04
Speaker 6: you don't have a civil remedy available, then people are
20:08
Speaker 6: going to take the law into their own hands. And
20:10
Speaker 6: that's what you don't want, you know, that's what you
20:12
Speaker 6: don't want is folks fighting or taking guns over and
20:17
Speaker 6: holding people up because they can't get relief. So that's
20:21
Speaker 6: the civil justice system is extremely important to society. And
20:26
Speaker 6: if you at those big companies and insurance companies, they
20:28
Speaker 6: don't make the news for their suits between each other,
20:32
Speaker 6: but trust me, they would not hesitate to file a
20:35
Speaker 6: lawsuit if they thought it protected their civil rights and
20:39
Speaker 6: their ability to seek a profit. Because for profits, ultimately
20:44
Speaker 6: their mission is to get more profit, right, I mean
20:48
Speaker 6: that's it period. So now they may have they may
20:51
Speaker 6: do public good, they may do things that help society,
20:55
Speaker 6: but they're usually only doing that once they've got sufficient
20:58
Speaker 6: profit to do so. And sometimes that's also because of
21:03
Speaker 6: public relations issues that ultimately they believe comes back to
21:07
Speaker 6: them getting profit in the long run. So you know,
21:11
Speaker 6: I have that a lot, and and of course calling
21:13
Speaker 6: us and making inquiries in our lawsuit.
21:16
Speaker 4: Most of our cases.
21:18
Speaker 6: Involving automobile accidents, we're able to work them up and
21:22
Speaker 6: get them resolved without you ever being in a quote lawsuit.
21:26
Speaker 4: It's just a claim.
21:28
Speaker 6: You have a two year statue of limitations on most
21:30
Speaker 6: type of injury cases or wrongful death cases in West Virginia.
21:33
Speaker 6: So there's normally plenty of time to get the cases resolved.
21:36
Speaker 6: And even if you get in a lawsuit, ninety eight
21:38
Speaker 6: percent of them settle it before you ever get to trial.
21:41
Speaker 6: And so, you know, I encourage people not to hesitate
21:45
Speaker 6: if you think you have a case. Now, there are
21:47
Speaker 6: people that are lettig just they don't understand the law.
21:50
Speaker 6: They can't differentiate between some basic concepts about whether they
21:55
Speaker 6: really have a claim or not, or do they every
21:57
Speaker 6: time they perceive someone else's at fault, they think they
22:00
Speaker 6: have a claim and that there's always going to be
22:02
Speaker 6: that situation.
22:03
Speaker 4: But if you, you know.
22:06
Speaker 6: Think about the other side of the equation, like in
22:08
Speaker 6: your case with a bad contractor or maybe a lender
22:11
Speaker 6: did something wrong or whatever. I mean, they're not going
22:13
Speaker 6: to hesitate to exercise their civil rights. But it's been
22:16
Speaker 6: beat into our brains through billboards and everything else that
22:22
Speaker 6: exercising your civil rights is a bad thing and you
22:25
Speaker 6: should feel guilty and ashamed because of it, even attaching
22:29
Speaker 6: that to religion somehow, even though it really doesn't have
22:33
Speaker 6: a connection in my mind to religion. And so, yeah,
22:37
Speaker 6: we've got to get over that bias sometimes, and I
22:39
Speaker 6: have to tell people that don't you know, this is
22:41
Speaker 6: just the way it works. And they'll all set up
22:43
Speaker 6: this way for a reason. And it's not you're not
22:46
Speaker 6: taking advantage of the largest casualty insures in the world.
22:50
Speaker 6: Trust me, You're not going to get something that you
22:53
Speaker 6: don't deserve nine to nine point nine percent of the time.
22:57
Speaker 6: And that's because they ensure that you won't. And we're
23:00
Speaker 6: to make sure you get what you deserve and so
23:02
Speaker 6: and we do a good job at it. So normally,
23:04
Speaker 6: by the end of our case, uh, you know, when
23:06
Speaker 6: we're representing you, you've gotten what you deserved. It might not,
23:09
Speaker 6: you know, not not every case. I mean, the law
23:11
Speaker 6: can only provide money as a means to try and
23:15
Speaker 6: replace your physical well being or your mental well being.
23:18
Speaker 6: And obviously that's not an adequate substitute. But it's all
23:22
Speaker 6: the law can do.
23:23
Speaker 4: And so.
23:25
Speaker 6: If we found a way to turn back time or
23:27
Speaker 6: to get a miraculous treatment that would allow a person
23:30
Speaker 6: who's got a significant spinal injury or a brain injury
23:34
Speaker 6: to go back and be able bodied and go to work,
23:37
Speaker 6: you know, I would exercise that every day before I
23:39
Speaker 6: would take a case to get money. But that's obviously
23:43
Speaker 6: not reality. So yeah, is that ain't.
23:45
Speaker 5: Your Yeah, yeah, I was just curious about that because
23:47
Speaker 5: you see it all the time with it seems like
23:49
Speaker 5: the people are almost like preconditioned to to be reluctant,
23:53
Speaker 5: you know, the the and it's sort of a marketing thing, right.
23:56
Speaker 5: I know that there's lobby firms out there that that
23:58
Speaker 5: purposely work towards things like that. But the ability, for example,
24:01
Speaker 5: to take that McDonald suit from years and years ago
24:03
Speaker 5: and then in the public lexicon that's considered a shining
24:07
Speaker 5: example of friviality, when if you actually read the thing,
24:10
Speaker 5: it was a great protection given to that person that
24:12
Speaker 5: won the suit. It was actually the law doing its job.
24:15
Speaker 6: Right and actually on appeal it even got reduced, but
24:18
Speaker 6: they always publicized the initial right right jury award. Yeah,
24:24
Speaker 6: it's just like you see it around here like Calus
24:27
Speaker 6: Citizens against Lawsuit Abuse. Yeah, traditional wise, hardly citizens, And
24:31
Speaker 6: it's funded kind of I don't know who funds that
24:33
Speaker 6: one for sure, other than specifically, but I know it's
24:35
Speaker 6: big business and big insurance carriers. I heard a woman
24:40
Speaker 6: coming here and talk to Dave Allen show one time,
24:42
Speaker 6: and she was just spewing off talking points that made
24:45
Speaker 6: absolutely no sense, but it's just the mantrie aget and
24:47
Speaker 6: it's really it's toma like top of mine awareness. If
24:51
Speaker 6: you say it enough, people will start to think it,
24:54
Speaker 6: and it's unfortunate and it's hard to combat because you know,
25:00
Speaker 6: trial lawyers try and protect consumer rights, try and combat it,
25:03
Speaker 6: but you know they don't have the money to pay
25:07
Speaker 6: to do that kind of mass media campaign consistently like
25:12
Speaker 6: big business does. And so yeah, it's it's just the
25:16
Speaker 6: way it is. It seems like it might be getting
25:19
Speaker 6: better better here locally in that regard, and we've had
25:23
Speaker 6: some quote tort reforms and the legislatures and that has
25:26
Speaker 6: modified the law somewhat to make it less fair for
25:31
Speaker 6: regular people. And that's I've talked about it before me.
25:33
Speaker 6: The jury trial is the ultimate equalizer. You can go
25:37
Speaker 6: against the largest casualty insure in the world, you know,
25:41
Speaker 6: lawsuit in Winfield, West Virginia, and you can make them
25:45
Speaker 6: come there and you present your case to six of
25:49
Speaker 6: your peers and they can't do anything about it but
25:52
Speaker 6: trying to defend themselves. And when those six people go
25:54
Speaker 6: back in the room, no amount of money or power
25:57
Speaker 6: hopefully will modify what that decision is. And with the
26:02
Speaker 6: technology we have, we can stand toe to toe with
26:04
Speaker 6: them in that scenario, and we usually do quite well.
26:08
Speaker 5: Let's go ahead and take a break. We'll come back
26:09
Speaker 5: and address your questions or phone calls. Hey, give us
26:12
Speaker 5: a call. You still have plenty of time to talk
26:13
Speaker 5: to Tom before we get out of here today. Three
26:14
Speaker 5: z are a four three four five fifty eight fifty eight.
26:16
Speaker 5: Three zero four three four five fifty eight fifty eight.
26:18
Speaker 5: If you want to text in, you're more than welcome
26:20
Speaker 5: to do that as well. Three zero four nine three
26:22
Speaker 5: five five zero zero eight three zero four nine three
26:24
Speaker 5: five five zero zero eight. You can find out more
26:26
Speaker 5: about the paytent law from one line. It's Paytent Lawfirm
26:28
Speaker 5: dot com. Peyton Lawfirm dot com with a that's spelled
26:31
Speaker 5: p E y t O N Payton Lawfirm dot com.
26:33
Speaker 5: We'll take a break and be back right after this.
26:35
Speaker 5: You're listening to Ask the Lawyer with Tom Payton. I'm
26:37
Speaker 5: Del Cooper. This is five adw HS, the Voice of Charleston.
26:40
Speaker 6: This is Tom Peyton, My father, Harvey and I are
26:43
Speaker 6: the Peyton Law Firm. We live here, we grew up here,
26:46
Speaker 6: and we take pride in representing you and winning against
26:49
Speaker 6: the most powerful members of the insurance industry. If you
26:52
Speaker 6: want an experienced law firm that understands your needs and
26:55
Speaker 6: gets results, contact Peyton Law Firm. When you've been hurt
26:58
Speaker 6: in an accident and time are tough, you need lawyers.
27:01
Speaker 4: You can trust. That's us Peyton Law Firm.
27:04
Speaker 6: Contact us at Peytonlawfirm dot Com or visit us at
27:07
Speaker 6: our office in nightrip.
27:10
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Speaker 3: Put the ball paype on the side. We have the
27:45
Speaker 3: courtroom experience that you need. We never give up. We're
27:51
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28:06
Speaker 5: Tom Payton is here from the Payton Law Firm. You
28:08
Speaker 5: can talk to Tom if you have any questions at
28:10
Speaker 5: all this morning about the law and how you can
28:11
Speaker 5: put the law on your side and the power of
28:13
Speaker 5: Peyton at Threes are A four three four five fifty
28:14
Speaker 5: eight fifty eight. Threes are A four three four five
28:16
Speaker 5: fifty eight fifty eight is our text Lin number and
28:18
Speaker 5: gives a call. Threes are a four three four five
28:19
Speaker 5: fifty fifty eight. Tom. Lots of things that are going
28:23
Speaker 5: on just around as far as it seems like there's
28:27
Speaker 5: always something going on in the state.
28:28
Speaker 4: We've talked about like the justice stuff that's.
28:30
Speaker 5: Going on, But really what the Peyton Law Firm prides
28:33
Speaker 5: itself one is helping with the community. Helping with folks.
28:36
Speaker 5: You know most, I mean not all of your clients
28:38
Speaker 5: come from the community of Nitro, but you've been there
28:40
Speaker 5: for years.
28:40
Speaker 4: You're a well known and.
28:42
Speaker 6: You know, if you want to learn a little bit
28:43
Speaker 6: about us, because we have the website, it's good, it's
28:47
Speaker 6: been revamped a lot of information there, but we also
28:50
Speaker 6: have a Facebook page. Now I'm trying to get the
28:55
Speaker 6: Facebook information pushed through to Twitter X and Instagram.
29:00
Speaker 4: I think it's called yeah. So a lot of people
29:03
Speaker 4: are using that.
29:03
Speaker 6: I'm not sure how well that's going because I don't
29:06
Speaker 6: utilize those platforms, but I have a person who works
29:10
Speaker 6: for me. He's supposed to be pushing them it. But
29:11
Speaker 6: I do operate the Facebook page for the most part,
29:14
Speaker 6: so if you want to see kind of what we
29:15
Speaker 6: do around the community, I try and keep it updated.
29:18
Speaker 6: Put a nice post there a couple of weeks ago
29:20
Speaker 6: of our office intier An exterior. So really thanks to
29:24
Speaker 6: Dad for the most part, we have really nice He
29:27
Speaker 6: built our building in ninety three from scratch and it
29:32
Speaker 6: is decorated quite nicely.
29:33
Speaker 4: We have David Riffle piece.
29:37
Speaker 6: Of art who's a local artist, but it's in one
29:40
Speaker 6: of our paralegals offices. It's the house in Nitro and
29:44
Speaker 6: if you're from Nitro Saint Alman's area, you'll remember this
29:47
Speaker 6: house because when you come over the old Saint Alman's
29:48
Speaker 6: Nitro Bridge and turn the left toward Nitro, it would
29:52
Speaker 6: be there on the right and it was kind of
29:53
Speaker 6: a shanty type.
29:54
Speaker 4: It was just amazing engineering.
29:56
Speaker 6: But you know how it stayed up, I don't know,
30:00
Speaker 6: but it was just kind of different levels. It looked
30:03
Speaker 6: like made out of ten but folks lived there. I
30:06
Speaker 6: think eventually they they made him remove it and put
30:08
Speaker 6: maybe a house trailer or two there. And I'm not
30:10
Speaker 6: sure what's even on that little hillside A longer, but
30:13
Speaker 6: the point is David Riffle did kind of a three
30:15
Speaker 6: D type piece of art in an old window frame,
30:18
Speaker 6: and it actually hung at one point in the what
30:22
Speaker 6: is now the United States Smithsonian Museum of Art, and
30:26
Speaker 6: now it's back in Nitro in our office. And then
30:28
Speaker 6: we have our conference room table that was in our
30:31
Speaker 6: conference room. We call it the Western Artist's Room because
30:34
Speaker 6: all of the art in there is done by local
30:37
Speaker 6: West Virginia artists.
30:38
Speaker 4: And we have a really nice conference.
30:41
Speaker 6: Room table that had made by a thought named Richard
30:44
Speaker 6: Sank that lives up He was living up in Tzar,
30:46
Speaker 6: which is outside French Creek, you know where the game
30:49
Speaker 6: farm it was. Tzar is like it's one of those
30:51
Speaker 6: places you drive by and you see the green sign
30:53
Speaker 6: and it says ZAR on it. That's unincorporated, right, really
30:58
Speaker 6: great woodworking fella. It looks like as easy top guys
31:01
Speaker 6: like you think of. But he made that entire table
31:05
Speaker 6: from scratch from one tree, one cherry tree, the chairs
31:08
Speaker 6: and the table, and it's rather or large. And so
31:10
Speaker 6: when I posted a picture of that and I said,
31:13
Speaker 6: you know, you'll you won't find them that at a
31:14
Speaker 6: law firm like ours, he said, well, you will never
31:16
Speaker 6: see another table like that because it's the only one
31:19
Speaker 6: in the world like it. And so you get to
31:21
Speaker 6: see some interesting things like that. If you want to
31:23
Speaker 6: combine and visit our office, we can try and make
31:25
Speaker 6: it a comfortable atmosphere. Probably have had two or three
31:28
Speaker 6: people come in for a state planning this week leaving saying,
31:31
Speaker 6: well that wasn't that was easy because you just don't
31:35
Speaker 6: you should make it comfortable, and actually going into that,
31:38
Speaker 6: we do so much basic a state planning and you know,
31:41
Speaker 6: actually had somebody call this week that wanted me to
31:43
Speaker 6: look at some kind of handwritten document while the person
31:45
Speaker 6: was still living to see if it was valid or not.
31:48
Speaker 6: Don't we don't do that if somebody's passed away and
31:51
Speaker 6: it's too late to have a real, you know, a
31:53
Speaker 6: proper well done we'll take a look at a document
31:55
Speaker 6: to see if it's something that can be admitted to probate,
31:57
Speaker 6: but we don't review handwritten stuff perform things that you
32:01
Speaker 6: bound on the internet to see their validity. We will
32:03
Speaker 6: do a proper will for you, though, if you want,
32:05
Speaker 6: and it's reasonably priced. All you need to do at
32:10
Speaker 6: the first appointment is have an idea of where you
32:12
Speaker 6: want things to go when you pass away. We don't
32:14
Speaker 6: need documents ordinarily, or deeds or anything like that. If
32:18
Speaker 6: we do need that, we can follow up. Normally, that
32:21
Speaker 6: initial appointment takes half hour, maybe an hour, depending on
32:25
Speaker 6: the complexity of your assets and what you want to do,
32:29
Speaker 6: and we don't charge anything. If you leave my office
32:32
Speaker 6: and don't come back for the next appointment and cancel,
32:34
Speaker 6: you will not pay our office anything. We will quote
32:38
Speaker 6: you a fee at the conclusion of our meeting, and
32:40
Speaker 6: we give you a ball My staff will give a
32:42
Speaker 6: ballpark before you come in, so you know whether you
32:44
Speaker 6: can afford it at all. And then we schedule you
32:48
Speaker 6: for one more meeting or one more appointment to come
32:50
Speaker 6: in where we have everything ready to get witnesses notaries. There,
32:55
Speaker 6: we give you some advice on where to keep things
32:57
Speaker 6: and review the documents that you're going to be signing
33:00
Speaker 6: in detail. That probably takes forty five minutes or an hour.
33:02
Speaker 6: So you can get a basic a state plan done
33:06
Speaker 6: with your will or maybe a husband and wife. If
33:09
Speaker 6: it's a husband wife, you need two wills. Then we
33:11
Speaker 6: can do basic power of attorneys, durable power of attorneys,
33:14
Speaker 6: which are the financial ones?
33:15
Speaker 4: Which are you know?
33:16
Speaker 6: I always say you might never need to use a
33:19
Speaker 6: power of attorney. We're all going to need a will
33:21
Speaker 6: one day, unfortunately. But power attorneys are like insurance. You know,
33:27
Speaker 6: pay it, although this premium would be rather small and
33:29
Speaker 6: not recurring, pay a one time fee to get it done.
33:32
Speaker 6: If you become disabled, you have a stroke, and or
33:35
Speaker 6: you get dementia or Alzheimer's and you have a long
33:38
Speaker 6: term you still live for a long term time, but
33:41
Speaker 6: you don't have the capacity to handle your financial affairs.
33:43
Speaker 6: Your family will be really glad that you did a
33:45
Speaker 6: durable power of attorney and appointed somebody because in essence,
33:48
Speaker 6: that allows them to carry on all of your financial
33:50
Speaker 6: affairs without having to go to court. And when you
33:53
Speaker 6: when you have to go to court to get appointed
33:55
Speaker 6: as a guardian or conservator for a person who has
33:58
Speaker 6: a severe disability, sometimes the posting of bond, it requires
34:03
Speaker 6: annual accountings, it requires a guardian of item, a lawyer
34:06
Speaker 6: has to be appointed to the disabled person, and they.
34:09
Speaker 4: Have to be paid.
34:09
Speaker 6: Sometimes it's by the Supreme Court, but if there's assets there,
34:12
Speaker 6: it's private pay and it comes out of the h
34:15
Speaker 6: incapacitated person's assets. And so you can avoid all of
34:18
Speaker 6: that if you get the durable power of attorney done.
34:22
Speaker 6: So you do it not just for yourself but really
34:24
Speaker 6: for your family members to make it easier on them
34:26
Speaker 6: if they if you get in that difficult situation problem.
34:30
Speaker 6: A lot of times are it's too late. Somebody's already
34:33
Speaker 6: incapacitated at that point and they're the ones that have
34:36
Speaker 6: to understand and execute the document to appoint somebody else,
34:40
Speaker 6: so it's too late at that point. And then we
34:43
Speaker 6: got medical power of attorney, which we do quite right.
34:45
Speaker 6: We combine it with living will language, so you can
34:47
Speaker 6: tell the doctors what your preference is. If you're on
34:49
Speaker 6: an artificial breeding machine but really little to no brain
34:54
Speaker 6: activity and certified by the doctor that there's no chance
34:57
Speaker 6: that you're going to recover, it's irreversible coma or terminal illness,
35:02
Speaker 6: and so we add that too, and that whole package
35:05
Speaker 6: of documents, power of attorneys for spouses and wills we do
35:08
Speaker 6: for a real reasonable price. And so back to where
35:11
Speaker 6: I started. You know, if you feel like you need
35:16
Speaker 6: a will, save up some money for a while and
35:19
Speaker 6: go come see us first.
35:20
Speaker 4: Trying to handwrite something.
35:22
Speaker 6: Yourself which can be a will, they are what's called
35:25
Speaker 6: a holographic will in West Virginia. If you write it
35:27
Speaker 6: correctly and it is entirely in your own handwriting, it
35:29
Speaker 6: can be a will. And I've handled many estates where
35:33
Speaker 6: those were admitted to probate, and sometimes you wish they
35:36
Speaker 6: weren't a will in West Virginia because the language they
35:38
Speaker 6: used has created a mess.
35:40
Speaker 5: Something maybe we can talk about next time. We've got
35:42
Speaker 5: about a minute left here, we won't have time to
35:43
Speaker 5: get into it. But something that maybe we can talk
35:45
Speaker 5: about next time that people should be cautioned on is
35:47
Speaker 5: using these AI trainers to write your will and stuff
35:51
Speaker 5: for you, because there's a lot of people that are
35:52
Speaker 5: trying to do that now, and also taking your legal
35:55
Speaker 5: advice in general from like somebody on TikTok after our
35:58
Speaker 5: last show that you and I did together, you made
36:00
Speaker 5: a comment just on that show about there's this rush
36:03
Speaker 5: of people going and putting everything they have in a trust,
36:05
Speaker 5: and if you could caution anyone, that's not necessarily a
36:08
Speaker 5: great idea for everyone, because you have to unwind all
36:09
Speaker 5: that if you need to do stuff. That very day,
36:12
Speaker 5: I was going through social media and I saw a
36:13
Speaker 5: video that was like, let me tell you how to
36:15
Speaker 5: power up your finances so you can get away scott
36:17
Speaker 5: free without ever having to pay taxes in it with
36:19
Speaker 5: somebody telling them put everything into a trust, and I
36:21
Speaker 5: was like, man, that's bad at.
36:22
Speaker 6: Well, the trusts are useful if you have a specific
36:25
Speaker 6: situation that needs it, yeah, or if you have great
36:28
Speaker 6: concern about trying to shield assets for some reason, then
36:31
Speaker 6: that may give you some comfort if you have certain types.
36:34
Speaker 4: Of trust done.
36:35
Speaker 6: But it does not allow you to maintain unqualified ownership
36:39
Speaker 6: of your property if you place it in trust. And
36:41
Speaker 6: sometimes people get tunnel vision and forget that, and then
36:43
Speaker 6: you have all this avoid probate stuff, which in West
36:46
Speaker 6: Virginia probate is quite simple compared to other states. So
36:49
Speaker 6: I wouldn't recommend a trust simply for that purpose. Now
36:51
Speaker 6: you could high end extreme wealth, yes, I mean you
36:54
Speaker 6: can put it that's beyond me. I know that it exists,
36:57
Speaker 6: and if I have somebody that's got ty million dollars
37:00
Speaker 6: in assets, I'm going to coordinate with a lawyer that
37:03
Speaker 6: does that regularly. Because there are trusts you can create
37:05
Speaker 6: that might give you a Maybe your tax base is
37:08
Speaker 6: in a different state, that's more favorable because it's it's
37:10
Speaker 6: in a trust that's in that state, for example. But
37:13
Speaker 6: that's getting beyond our area expertise. And when I do that,
37:17
Speaker 6: I consult other attorneys in that area.
37:18
Speaker 4: That makes a ton of sense.
37:19
Speaker 5: You can find out more information and put the power
37:21
Speaker 5: of Payton on your side. The Peyton Law Firm located
37:23
Speaker 5: in Nitro, West Virginia. Payton Lawfirm dot com. P E
37:26
Speaker 5: y T you in Peyton Law Firm dot com three
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37:30
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Speaker 5: six three zero four seven five five fifty five fifty six.
37:35
Speaker 5: Peyton Law Firm is on here every Thursday at eight
37:37
Speaker 5: twenty tom. Thank you so much for your no problem.
37:38
Speaker 5: Hit us up on Facebook. We needs some more likes. No,
37:40
Speaker 5: there you go like it on Facebook at Payton Law firm.
37:42
Speaker 5: That sounds good. See you next week, Tom that you deal.
37:44
Speaker 5: Take care, have a great day everyone. On five eight
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