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Listener Questions, Subject to Financing & HOA vs Resident Plus Joe's Diet, BBQ, and Guardians of The Galaxy 3

Outlaw Lawyer / Josh Whitaker & Joe Hamer
The Truth Network Radio
May 27, 2023 2:00 pm

Listener Questions, Subject to Financing & HOA vs Resident Plus Joe's Diet, BBQ, and Guardians of The Galaxy 3

Outlaw Lawyer / Josh Whitaker & Joe Hamer

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May 27, 2023 2:00 pm

On this week's Outlaw Lawyer, Listener Questions concerning "Subject to Financing and we also have an HOA vs Resident question. The Attorney's will also go off topic hitting Joe's diet update, Guardians of The Galaxy 3 rant, BBQ and food delivery. Buckle up Outlaw Lawyer starts right now!

If you have a legal question and you need an answer

call Whitaker & Hamer 800-659-1186.

Law, Legal, Attorney, Lawyer, Lawsuit, Court, Trial, Judgement, Sue, HOA

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Welcome in to the Outlaw Lawyer. Coming up on the show, Josh Whitaker and Joe Hamer. Managing partners Whitaker and Hamer Law Firm will hit all the legal topics. Plus, it is listener question day today on the Outlaw Lawyer.

So stay tuned. Welcome back to the Outlaw Lawyer. I'm Joe Hamer.

I'm with you today. I'm here to talk to you about some of the legal issues that are going on in North Carolina. Offices conveniently located in Raleigh, Garner, Clayton, Goldsboro, Fuquay, Farina, Gastonia, and Morehead City. Normally we have Cassandra Nicklaus joining us from the Morehead City office. She is out this week.

So we've just got Josh and Joe and we're happy to have them. If you've got a legal situation you are facing, you can always get answers to those questions by calling Whitaker and Hamer. 800-659-1186. That's 800-659-1186. Leave your contact information briefly with us.

That's what that call is about. And an attorney with Whitaker and Hamer will be in touch with you and you can always email your questions to the show. Questions at We'll answer them on a future broadcast and we are going to get into listener questions here today on the program.

But first, this. This extraordinary broadcast seeks to answer legal questions and explore the ever-expanding frontiers of legal news. As our hosts embark on their mission, they will navigate through the complex legal landscape seeking out new insights and legal expertise. They will analyze legal cases, discussing them with the precision and intellect of a starship captain charting a course through unknown circumstances. Their voices will resonate across the radio waves, reaching out to those in need of legal guidance. They will seek to shed light on the darkest corners of the law just as starship sensors penetrate the depths of space. Listeners prepare to embark on a journey of legal discovery. The Outlaw Lawyer will boldly go where no radio show has gone before, bringing you the latest legal news and answering your questions with all this information. Since an exploration and wonder that captivates audiences across the galaxies, join us as we venture into the unknown in the style of the illustrious narrator of Star Trek.

Welcome to the Outlaw Lawyer, where legal knowledge knows no bounds. Engage. That's your cue, Josh.

Take it away. Well, that's really good, man. That's the first time I've heard that intro. That's uh, that sounds really well produced, spaced out, man.

I was spaced out. I was in the mood for the past couple of weeks. We've been switching up our intro and uh, but last week we did six million dollar man week before that we did love boat.

So we're getting chat GPT to write our intro in the style of blank, right? And so I, you know, we've done Dukes of Hazzard and so, uh, I, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, uh, I, I didn't get to it until last minute today. And I was like, well, wait a minute. Star Trek. That's easy.

That's an easy one. So, and then I saw it. Well, I was just going to say, I mean, I think the, the, the first discussion we have is, are you a Star Trek person or are you a Star Wars person? Yeah, I was never a Star Trek person. I've seen Star Trek. It never really, uh, I never really got all the way into Star Trek.

And I'm sure Joe, you don't even know, do you know anything about Star Trek other than Spock and live long and prosper and all that good stuff? Yeah, I know. I know.

I don't care about it. I know. I know it's inferior to Star Wars. There's a, you know, they had the, they had the more recent star. I was, I am not a Star Trek person, man.

No offense to anyone who is, but, uh, they had the more recent, the JJ Abrams Star Trek movies. Uh, they had a couple of those. It was all right. They were actually all right, man.

It was all right. They got, don't they have like a Picard or something going on right now? Don't they? Yeah. Yeah. There's still stuff going on.

I ignore it. Well, I don't even know where, like a lot of stuff. I don't even know how to, where it comes on anymore. Yeah. Yeah. It's everywhere. You don't know what platform it's on. It's, it's all over the place.

You just Google it, man. You can figure it out. My kids, I'd let my kids figure it out.

You're a bright young man. Nah, your kids don't like Star Trek. Come on. Nah, they're not big Star Trek people. They're, they were always Star Wars. Cause Star Wars was coming. The last three that came out. Yeah. They were, they were just coming up. It's an uphill battle for Star Trek against Star Wars, man.

It's a tough fight. How was that? Uh, they had a, not too long ago, they had a baseball card show over at Dorton arena. I was over at Dorton arena and one of the booths, it was crazy. It was like a sea of collectibles and baseball cards, which kind of sounds dorky when I say it out loud, but it does. It does. It sounds incredibly dorky. It doesn't sound, it sounds very cool, man.

You sound, you sound really cool. No, it was great, man. Yeah.

It was great. I walked into the Dorton arena and it was kind of a hot day and you know, the Dorton arena is not air conditioned. Right.

They just opened windows. Yeah. Yeah. That's the way they used to do it.

That's the charm. Yeah. You can go in and burn to death or freeze them.

You can go in and burn to death depending. But I walked in there and, uh, well, first of all, there was a, you had to pay to get in, which is fine. Right.

That's what you have to do. They didn't take a card, right? Oh, I didn't have, I had zero cash. I don't think they've got card readers and the technology for it at the Dorton arena. I don't think, yeah, I think you can't. Even if you brought your...

I'm sorry, sir. We can't accommodate your, your fancy card. So it was five bucks to get in. I take, I take my oldest son and we're going there.

We park, we walk all the way up there. And I had like this little thing that just snaps to my phone. Right. Fanny pack. So I just had like, yeah, that's exactly what it was. Leather with coins. So I have no cash on me and I go in and he's like, Hey, it's five bucks to get in. I hand my card over there. Like, Hey, we don't take cards.

I was like, Oh, all right. Here's, there's an ATM machine outside. So I go out, but I didn't bring my ATM card. Right. I didn't have my ATM card on. I had to drive back to my house. No, no.

And then, and then come back again. Right. Yeah. My, my, he was going to kill, he would have been, might've been it for you and him and your relationship.

My oldest kid was really pumped to go. Cause I was like, uh, but yeah. So anyway, that wasn't the point of the story. Point of the story is went in.

It was fantastic, man. Like right when I walked in a professional wrestler, Matt Hardy had a table. He had his kids there and his wife. And we talked, he said he listens to the show religiously. That's I think that's what he said.

He said something like that. And then you keep on going in the whole floor was full. Anyway, the whole point of the story was one of the tables.

I had too many sidebars. One of the tables was all like, well used, like played with star Wars toys from like the eighties, early eighties and not still in the box. Like just like, yeah. And they just had them like wrapped up and what they were going for.

It was crazy. Cause they were the, they were the real fancy ones, the real rare ones. Well, they were just the first they've been played with. So they were kid worn. Right.

That's right. And they still, they still wanted big dollars for them. They did. I tell you, I'd love to sell my kids stupid toys. To some idiot. Joe shed some light to, so name some of these, these toys, some of my kids. Let me think. No, not the kids names, the toys, toys. Okay. God, you put me on the spot.

I was getting nervous. What do you mean? Toys names of my kids might not. You don't want to know that, man. They're, they're all, they change like the wind, man. Kids these days. They, that's a new thing. And they move on to a new thing. Right.

Which costs even more money than the old thing. Yeah. And luckily we're getting out of it, man. We're getting older. Good. I don't want the toys anymore.

There you go. Yeah. The, my kids are all into sports now and cards and collectibles. And so we went and, uh, it killed me though.

Cause you know, I came up in the mid eighties and, and there's guys that are selling, like starting lineup figures. They never opened and all that stuff, but it was, it was a lot of fun except for the, except for the driving. But did you buy a lot of things? Uh, no, no.

Oh, I'm sorry. You drove, you went all the way back home to get your money. You invested in that day.

I mean, you really put the time in. I know your kid wanted things, man. You just denied them. We bought things like no sun. We bought things.

I wouldn't say we bought a lot of sun. You didn't clean your room, but you can't have Luke Skywalker with a booger on his head, but star star Trek. Never grabbed me. And I have friends that are big Star Trek fans, but it never, it never got me.

No, me either, man. Me either intro was very nice. Yeah.

That intro was great. Yeah. You guys, you guys throw them at me. Star Trek thing I've seen. And I produce, I produced the opens the way you want them produced and you guys have no interest in star Trek.

So we can't even, we can't even go down that road, but it did sound cool. And we can talk about it. We just don't know anything about it.

I know some things about it. I've seen a lot. Yeah. The, uh, well, yeah, this, this, this show is going to be another, we've done a couple of these in a row here. Just going to be all, we're gonna have a couple of listener questions, a couple of, uh, AI generated, uh, questions, but, uh, we're going to get, we're going to talk about stuff. That we get asked in our office, uh, every week. And, uh, people are paying for our advice on these topics. I feel like we, we, you know, we are, we're always doing a service for our listeners. If we talk about the things we're getting asked about, uh, the most often, cause we see it all. We're 20 years into this.

And at this point, I rarely get surprised by consult. So I finally reached that point in my career, but so we could do that, or we could just talk about star Trek, man. Five minutes, 50 minutes of star Trek talk. Well, the fact that you guys don't like star Trek, don't know anything about star Trek.

I think we should steer clear of star Trek. That's just going to make it fun. I think one of the first mad magazines I had was they did their little mockup of wrath of con. Yeah. And that's really about all I have. I had some Christmas ornaments that my sweet mother bought me. And they were the ones you, you pull off the bulb of the light and you plug it in and it makes noise at a set of star Trek ones. I saw the Futurama where I think she thought they were star Wars. That's why she bought them. Gotcha.

Cause she doesn't like star Trek either. All right, well, listen, set your stunners on phase. We're going to be back right after this, the outlaw liars, Josh Whitaker and Joe Hamer. They are the managing partners, Whitaker and Hamer law firm practicing attorneys here in North Carolina, getting ready for a question and answer program.

So a lot of questions coming in and we will tackle those here in just a little bit. Offices conveniently located for Whitaker and Hamer in Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia, and now in Moorhead city. Again, if you've got a legal situation you are facing, you've got questions, you need some answers. Here's a phone number for you. 800-659-1186.

That's 800-659-1186. Leave your contact information and briefly what the calls about an attorney with Whitaker and Hamer will reach out to you. You can also email your questions to the show. We'll answer them on a future program questions at the outlaw

We're back right after this. Welcome back into the outlaw lawyers, Josh Whitaker and Joe Hamer, managing partners, Whitaker and Hamer law firm. They are your hosts. They're practicing attorneys here in North Carolina. Offices conveniently located for you in Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia, and now in Moorhead city. I'm Morgan Patrick, consumer advocate.

Each and every week, we hit a lot of legal topics. You may have questions of your own, maybe about a situation that you're in, and you need some answers. You can always call the firm. 800-659-1186. That's 800-659-1186.

Leave your contact information briefly what the call is about. An attorney with Whitaker and Hamer will be in touch, and you can always email your questions to the show. Questions at the outlaw Gentlemen, question and answer. Where are we going first? Well, Morgan, before we get there, I forgot to tell you, we're not, you know, last week we, me and Joe were remote and we were over at Shady's on Main Street in Garner.

Which is going to be your normal locale, correct? That's mainly where you're going to do the show from. Yeah.

Yeah. We, we like it there and it's kind of way better than this, this cramped office space we're sitting in. We couldn't go there today.

There was, there were some other things going on over at Shady's. And so we got evicted our second week and we're, we're in the Garner, we're in the Whitaker and Hamer Garner office today. So that's where we join you from.

I just want to give you, I want you to be able to paint that picture in your head. So me and Joe are in the NC State conference room over in the Garner office where me and Joe always feel more comfortable than NC State conference room. And for the record, you weren't evicted, right?

You just had to change locations. Right. Yeah. We wouldn't have been able to, it would have been difficult to get inside the building.

Gotcha. Shutting the street. Shutting down the street, not for the outlaw lawyer radio show. What, no parade honoring? They were very excited, Josh and Joe, no parade. When they went in and out, they were shutting the street down. That's what I, all the listeners like, what are we, how are we going to get at the show?

They take the day. The, uh, but, uh, but anyway, in the, in the Garner office, very convenient. Cause I was already here, so I didn't have to go very far today. But, uh, the first, the first thing me and Joe wanted to talk about, and again, you know, we call these listener questions. A lot of times it's just fact patterns. It's just general things that we're seeing in the office that we're talking to people about. And, and Joe, you've run into this one a time or two here recently. So it might be worth, uh, telling the folks about. It's it's really warm in here, man.

I was going to tell you that too. It feels better and shady. It's got a better ambiance.

The environment's better. Um, you're not as close to me. You're very close to me right now.

I feel like my knee could bump yours. And I don't like that, man. Yeah. What were you saying? You want a question? Yes. Yes. Yes. This is not really a question per se. I'd say this is more of a common theme, right? Like something that. I can't, I'm not going to give you the exact phrasing of the question because we get this question in different forms, but the general topic, a thing that we've, uh, seen a lot more here of lately.

And that, I guess we, I mean, really it's been a thing that's been around for a long time. It's just a thing we've seen more frequently lately and we can speculate as to why, but that's, that's this sub two financing, right? So basically you've got somebody who wants to come in and purchase a property that has an existing mortgage on it. And not necessarily do anything with that mortgage, right? Like basically step into the shoes of the former owner, start making their payments. And, uh, there's been a lot of, I think there's been a lot of like, uh, influencers and things like that who are like offering classes, promoting this as a viable source of revenue. And that has in turn caused an uptick of the folks that have called us that, that want to want to get into it and that are interested in it.

And, um, you know, it makes a lot of sense from one perspective, right? Because you say you've got an individual who maybe they're not in a great place to sell their home. They don't have a ton of cash flow where they can, you know, necessarily make repairs and fix the house up nice to be list ready. Um, but they got a nice low payment, their interest rates, super low. Uh, and, and what these courses do is they, they try to train you to, to basically pitch to these folks like, Hey, I'll give you some money upfront.

I'll basically step into your shoes. I'll start making this mortgage payment, get the benefit of your rate. Um, you deed me the property and that's, that's the, the idea in a nutshell.

Yeah. So in a normal closing, like in a normal closing where you're, you're a buyer and somebody's selling you a house and you're getting a mortgage, you know, there's a closing attorney involved. A lot of times there's real estate agents involved. And what happens is that closing your closing attorney, make sure that any of your sellers mortgage liens get paid off. And basically the property comes to you, lien free.

Now you may be getting a mortgage or you're about to add your own lien to the property, but the property is transferred lien free to you, uh, at closing in here. Uh, I've seen a lot of these folks set up in hotels and kind of do, you know, come, come to our pitch and they'll, they'll, this is how you can make money in real property. And maybe you can, I'm not, I'm not here to shoot down anything that makes people money.

There's apparently, that's the thing, like the folks who are promoting the classes, they'll tell it, they will tell you, and who knows, they could be right, man. I'm not poo pooing them, but they'll tell you they're making like tens of thousands of dollars a month, millions of dollars a year, just strictly doing deals like this. So the theory is on, on these deals that a market is you come in and somebody has got a, you know, a 2% mortgage, or, you know, they've got some equity in the property, but they, they want to get out and you don't want to finance this property and you don't want to pay cash. So you give them a much smaller amount of money, and then you take title to the property, you get a deed, but they leave their mortgage lien in place, right?

So they've got a, you know, whoever the lender is, a Wells Fargo, Bank of America, First Citizens, they have a mortgage lien on the property that you say, Hey, I'll take that over, which is a terrible idea for the seller. I would argue that it could potentially be a terrible idea for everybody. And that being said, there's like, there, that's not to say there's not like, you can't, you can look at this and be like, well, there's advantages for everyone there. There are ways to look at this and find ad advantageous, you know, things in the right deal for every single person involved. So I'm not saying that this can never be a situation that makes sense, but there's a ton of pitfalls, man. I think fraught with peril. It's like, it's like, if you were like, if you were walking, if you were walking into the house from home alone and you're a burglar, that's what it's like, right?

Fraught with peril. You might avoid all the Legos and you might not get your, your scalp burned off. But, uh, for the, for the seller, you know, the person buying subject to the lien, they can just stop paying your mortgage. And then of course, that's going to hurt your credit, your ability to get a new mortgage.

Uh, and you don't have title anymore. You don't own the property. You don't own the property. You have no control over it.

Transferring the property is probably a default on your note in your deed of trust, right? So your lender could foreclose on you the next day, but you do that, you know, so you're the seller is, you know, and most of the sellers who entertain this kind of transaction, they just don't know any better. Or they're in such a bad, they're in such bad shape.

They don't have a lot of other maybe alternatives, or at least they don't feel like they have any other alternatives. Or they're these, the influencers that are making millions of year and they know something we don't. That's that could be possible. I think there are some folks that are doing this successfully, right?

On what scale? I'm not sure. Um, but I, but I definitely think that there are some folks that are, that are doing it successfully. It's just a matter of finding the right deal, right?

Like finding the right situation. And even then you can do everything right. You can have the right deal.

Those pitfalls are still going to exist. Right. You could be the buyer in this situation. So in theory, you've given some money to a seller, uh, and you've got this property now and you're either trying to rent it out or maybe you're trying to sell it and make money. Uh, but the lien is not your lien.

It's hard to get a payoff when you sell it. Uh, and that's the big one right there, right? Like getting a, they don't have to talk to you.

Yeah. People who don't order payoffs for a living, I don't think they understand how frustrating it is to order a payoff. Even with, even with authorization to order that payoff, man, it's one of the more frustrating things like different services are different, right? Like, and you can have a really good one where it's really easy. Like there's, there's ones that are super simple.

You call them very straightforward and easy. And then there's ones where it's like pulling teeth, man, seven to 10 days, and then they'll forget you called them in the first place. And, uh, it's a nightmare. So getting a payoff in the first place for your own mortgage can be difficult. Getting a payoff for a third party's mortgage. The nightmare scenario is that can come up from that, man. I shudder.

Yeah. Cause the, the lender's not going to talk to you without really good written authorization. And then like Joe said, maybe not even talk to you. And then, and then they could foreclose on you.

They could just say, Hey, we're not talking to you anymore. We're not taking any more payments. Our borrower has, uh, transferred this property without paying us off.

They're in default. They can start the foreclosure process and whatever money you've put into this deal, you lose, right? If you get foreclosed on. Well, that's the thing. It's not even like at that point, you've gotten your, like, you know, most of these deals aren't structured to where you're going to get anything else. Right?

Like they are structured where in my experience, and again, there's folks that are doing it all different kinds of ways, but the pitch generally to these folks is like, Hey, I'm giving you X amount of money upfront. Right. And then I'm just taking this over. You don't got to worry about it anymore. You don't own it anymore. And so in a perfect world, man, they make your payments, they pay it off.

It's all good. You've already got the funds up front. And you may be thinking, even if you got the funds up front, you're like, well, that's all I needed. Right? Like I just needed five or 10 grand. It's not my problem anymore. The problem with that is, say the individual who purchased and started making those payments say they just stopped paying.

Right? That's, yes, you've gotten the money you needed out of it, but you're going to have a foreclosure. You're going to have your credits going to get destroyed from that. Like you're going to have all the negative implications from that, regardless of who owns the property at that point. Yeah, it's, it's, it may work out.

I've seen it work out for people, even though I've counseled them not to do it. That's what, that's what we attorneys do. We take, we try to look at something we're very risk adverse and we're usually pretty good at saying, Hey, this is kind of risky or Hey, this is, this is pretty safe. Or maybe I can get rid of some of this risk with the right contract or, but this is a risky proposition. And so I think if you, if you enter into one of these contracts for deed installment sales, um, they go by a lot of different names, but if you enter into one, you have to be prepared for some bumps, maybe some loss.

Cause it could go completely sideways on you. Yeah. I tell the folks like there's, there's some foot, like when we meet with folks, like a lot, like again, a lot of these folks are, they're taking like online courses or they've got like super charismatic influencer types, like really pumping. Like you can do this. You, anyone can do it.

Your grandmother can come off the street and start doing these deals and get rich. Um, and yeah, I'm not trying to, to, to knock those, knock those folks necessarily, but a lot of the times when the folks that call that, that want to explore this option, they're very gung ho, right? Like, cause they're fired up.

They've been shot out of a cannon. And so you got to kind of temper them, right? Like you gotta, you gotta pull their expectations back. And so, like you said, man, very, we're very risk averse and we, we just, we'll tell you about every single risk. And so I, there's a lot of folks I'll tell them this is what can happen. This is what I can give a laundry list of things that can go wrong. Um, but all of that being said, man, there's situations where everything could go fine. This could be a perfect win-win situation for everybody involved.

No harm, no foul, nothing bad happens. But I think that's, that's, that's part of what we do in counseling folks is you got to prepare them for the bad. Right. And so there's folks I'll tell them, these are all the terrible things that can happen to you. And they're like, well, okay, like we're still gonna, we'll still do it. So you kind of go over what if scenarios.

Yeah. And so in that sense, and we've had folks who have done it. And if that's the case, there are things you can do to, to, to safeguard against these pitfalls.

Some of them, you know, it's like, I tell folks, you can't get rid of them completely. We can draft up all the documents, all the contracts, all the waivers, everything. And these, these situations could still arise. And, you know, we could probably do a whole show talking about the, the nightmare scenarios of what could go wrong to make one of these deals kind of become way more difficult than it has to be. But again, it can be done, but I will tell you, it's going to be way, way more complicated than you think. You got to be prepared to receive a lot of potential bad news about the, like, you're going to get a very depressing speech from, from me, if you come to me about like, you got to worry about this, this, this, and this.

And then I'm probably going to make you sign something saying, I told you all these things just in case it happens. But that being said, man, there's folks doing them and there's folks that are doing them very successfully. And I think that's a good thing for them. Yeah.

I mean, be wise, proceed with caution, get advice, professional advice before you do things like this. So guys, we've got more question and answer. We're going to get into those. The outlaw lawyers, Josh Whitaker and Joe Hamer, managing partners, Whitaker and Hamer law firm, again, practicing attorneys here in North Carolina. And they put offices pretty much everywhere just for your convenience.

Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia. And now in Morehead City, if you have a legal question, something that you're facing and you need answers, you can always call the firm. Eight hundred six five nine one one eight six.

That's eight hundred six five nine eleven eighty six. Leave your contact information briefly what the call is about. And an attorney with Whitaker and Hamer will be in touch. And as we are doing today, you can email your questions to the show and we will answer them on a future broadcast. We have more outlaw lawyer coming up next.

The outlaw lawyers, Josh Whitaker and Joe Hamer, managing partners, Whitaker and Hamer law firm, practicing attorneys here in North Carolina, offices conveniently located in Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia. And now in Morehead City, normally joined by Cassandra Nicholas. She's out. She's on assignment this week.

We have Josh and Joe again headlining the show. If you've got a question for them, if you've got a question about your own legal situation, need an answer, you can always call the firm. Eight hundred six five nine one one eight six.

That's eight hundred six five nine eleven eighty six. We're here to help. Leave your contact information briefly what that call is about. An attorney with Whitaker and Hamer will be in touch. And you can always email your questions to the show.

Questions at the outlaw lawyer dot com. Fellas. All right, Joe, you I'm getting the kids together today. We're going to see the new Guardians of the Galaxy. Have you seen that yet?

Yeah, man, I saw that. You're really going with your kids. You're going to go see your kids.

Yeah. And that was your you're a good dad. You're talking about you took him to the card show and you're taking to a movie.

No, I went with that. I made the kids. They rode with me.

I made it. I said, you guys, you stay in the car. You keep the car warm for me and I'll be out after the movie. I'll tell you how it is.

Listen to some am radio. No, I went with my kids, man. And we enjoyed it.

I'd say we was very enjoyable. They say you you laugh and you cry. I didn't cry. No, I didn't cry. But I could see people crying. None of my kids cried either because they're strong, very strong. We don't allow tears in our household. So we have a very strict no tears policy.

If I see him coming, it's like, go to go to your room. Morgan, you see that movie? I've not seen it yet, but I've heard several reviews. They're saying this one is the best of the three. So it must be pretty good.

Maybe, man. Maybe that first one's got a lot like that was it was different at the time, right? Like it was something different.

And that counts for something. Well, I grew up I grew up reading comic books and the guardians, the guardians of the galaxy. You never no one read that comic book. Yeah, they did. They just the same people that watch Star Trek, man. Yeah, but they just they came in.

They just were in. They would just show up like he'd be reading your X-Men and the guardians of galaxy would just show up, you know? Yeah. So it was weird that that became one of the better. Films, you know, in the Marvel Universe, I was always surprised by that.

Yeah, they did big things with it, man. And a shout out to James Gunn. He's leaving Marvel at DC. That's going to be the DC guy.

That's good. Maybe they'll have some. Maybe. Maybe they'll have some more success. Maybe so.

You and Marvel or a DC guy. That's a that's a tougher one than Star Trek versus Star Wars to me. You think so? Yeah. Yeah, I guess that's probably more because Star Wars is just a slam dunk, man.

It's a 360 slam dunk. I think growing up as a kid, I was I was more Marvel for sure. Yeah. See, not me, man. Not me.

What did you have? What more like when I was a kid, you had is like if you read comic books, maybe. But if you didn't read comic books, would you really? You know, you had Spider-Man.

That's cool. Well, you had X-Men. Yeah, X-Men.

What else do you have? Well, I mean. I don't know, man. I read a bunch of X-Men. You got the Fantastic Four. But I'm saying if you didn't read the comic books.

Right. Like I wasn't reading things. I was. You're not reading comic books. It's all about the pictures.

It's all about the pictures. If you're not reading comic books, then you're not into either one of them. You could be. You could still be.

Like, nah. Who's who's your who's your who? When you think about Superman, who do you see? Ah, that's a good question, man.

I know you see, Morgan. Who do you see when you see Superman? When you envision Superman in your mind?

That's a good question. Christopher Reeves. Yeah. Christopher Reeves. Yeah.

I mean, that's that's that's my that's my time. I think I've got like a I think I've got like a form version of him in my head that's not anybody. It's just what I it's just, you know, almost like a real life personification of the animated Superman.

You know, from the I don't know. Well, who do you see for Batman? That's a guy I could see anybody.

I mean, I'm very pliable. When you first think about Batman, you have your eye. I'm going to hold on.

Let me do it as thought exercise. I'll close my eyes. I just see a Bassy Batman, man. He's got a he's got a suit on. I don't know whose face is under it. That's Michael Keaton. That's who you see. You know, Michael Keaton coming back.

That's the next month. No, no, no, no, no. Rises his role as Batman.

Christian Christian Vail. That's no he didn't say who you thought performed better. He said, who do you see?

Yeah, you would. Morgan, you're you're you're old like me. You should see you should see my this is the second West.

No, no, that's back before muscle tone was a thing. Yeah, the this is the sec. I want to point this out. This is the second week in the row that we've mentioned Michael Keaton.

That's the thing. No, you mentioned Michael Keaton. We did not mention Michael Keaton. You you declared Michael Keaton the best ever to act. Yeah, he was Batman. And I guess he was Vulture, right? He's been in both. He's Marvel and DC. He's been in a lot of things, man. And he's a great actor. We did.

We did. Tell you what my issue is. Mr. Mom, Superman. Greatest movie ever.

It is a good movie. Chris and Reeve is not jacked enough, man. He's not jacked back then, though, for 1980. They had steroids back then, man. They could have put him on. No, I was just milking steak.

That's all they did back then. Well, he needs some more of it. And he's more.

He looks way better than me, man. Don't get me right. I'm not playing Superman.

I'm sitting here in a cramped, hot conference room with you. I have been dieting, though, man. And that's not fun. No, it's good for you. It's it's not fun. That makes you depressed. That's why I'm depressed. I go through phases, man. I have been I've been not dieting.

That's what I would call it. I wasn't going to say anything. But as close as we're sitting to each other, man.

So so let me ask you this, Joe. Are you are you being healthy about it? What are you doing? Oh, man.

Yeah, man. I'm I'm I'm doing a little bit of a program. You're doing a little intermittent fasting going on. That's good. That's good.

I got about an eight hour feed window and a 16 hour not feed window. Well, I was eating clean, baby. That's it.

And Josh is ignoring all of that, right? Well, I was eating a Reese's cup right now. When I leave here, I was supposed to go by the store because we're out of cheer wine and we're making cheer wine floats tonight. Oh, man. That's good for you. Right. Yeah. It's pretty good.

The kids call it the kids call it the cheery wine. Yeah. Yeah. I've been drinking a lot of water.

Well, that's good for you. It's delicious. Yeah. You know, there's a new thing with water and this is like this is more of a women thing, man. So you may not get it, but it's like flavored waters.

It's got having a real big renaissance, man, like syrups and powders. That's the thing. It's a TikTok thing.

It's real big. There's like a whole water talk. And it's just people who like give you different recipes for things to put in your water on TikTok. You don't know. You're looking at me like you're very confused.

My kids went through this phase where they always put a Jolly Rancher in their water. That's not is that the same thing? It's not it. No.

And this is close. I guess it is the same thing at the end of the day. But then we get home from school, they put a Jolly Rancher in their water bottle and then they set it aside.

So when dinner came, man, they have Kool-Aid, I guess is basically what it is. Yeah. Just do it. Do a slice of lemon, Joe.

You'll be good there. As we talked about this diet, I decided it's a bad idea. And I think I'm going to leave here and get some ice cream. I get through these phases where I'm like, all right, I need to lose. I lose some weight and I will, man.

I'll eat what I'm supposed to eat and my clothes will fit better. And then I feel good for a while. And then one day we're real busy and I get real addicted to DoorDash.

Yeah, man. Because for like three bucks, somebody will bring burgers like directly to me and I can keep working. So what's your what's your what's your go to. So, Josh, what's your go to when you are hungry, hungry and you dial up DoorDash? I tell you what, man, my, you know, being on the south side of Raleigh most of the time, sometimes I'm in North Hills area. A lot of times I'm on the south side of Raleigh. I always do the barbecue.

I always do the barbecue. So there's a couple of fields where you get like you get like a real bar. I try to get I try to I try to get real bar. Yeah. Wait a minute.

What are you saying? I like Smithfield. You know, I mean, like Smithfield is great. There's nothing wrong with Smithfield. It's fantastic. But it's not like real. You know, it's it's good.

I'll eat it. A fancy restaurant bar. I mean, you're looking for like brisket and different versions of barbecue.

What do you when you talk? Smithfield's is good. I like the I like the barbecue restaurants that were here when I grew up here. Gotcha. Gotcha. Cooper's. Yeah. Cooper's. Yeah.

Cooper's is all right. It wasn't here when I grew up, I don't think. But that's but the DoorDash is very you know, it's very addicting because for a very small amount of money, people will bring you food while you work and you can just keep working. Yeah, man.

Which is what we like to do. Yes. Yeah. I do. I had this is my DoorDash story. I was starving.

Right. Because I'm on a diet. This is when I was not on my diet. This is when I was in one of my relapse. This is when I got to the feeling good part of my diet. Joe started going binging.

All right. What did I have been fasting? I was like, man, I'm really hungry. I need this food. And DoorDash, this this delicious meal, man.

Exactly what I wanted. And I'm stoked and I'm watching it right because I'm going to shove it in my face and I'm pumped on it. And I'm sitting there and I'm watching the little thing on the GPS, man. And, you know, it's like you're, you know, because you DoorDash all the time.

I can see it on your face. And it's like so and so is arriving with your order. And then they show up and they give it to you.

And so it's like so and so is arriving with your order. They don't show up. And all this time goes by and I'm like, what's going on, man?

And I'm getting hangrier and my blood sugar is all messed up and my face is getting red. And I'm like, what's going on? As you can see, I can see them on the map. I should be able to see them. And they're not there. So I got to get on the customer service, man. And I'm talking and it's this long drawn out thing.

And it turns out that my DoorDash had gotten a wreck, like literally like seconds away from me. Are they OK? I don't know, man. I never saw him again.

I hope so. Shout out. Was your food OK? No, I didn't get my food. And I was mad originally. I was like, man, this DoorDash has just stolen my meal and he's eating my hard earned meal. And that's where I was mentally.

I'll be honest with you. We hope we hope the driver was OK. But those EMT drivers, man, they make out like bandits on DoorDash when they're wrecked.

Yeah, that's true. I didn't think about that. So they told me they got the person that the customer service person was like, your DoorDash has been in an accident. You should be able to walk and see them and you can walk and get your food. And I was like, I'm not going to walk. I'm not walking. They actually told you.

They said that. She was like, you can walk. And this is the thing, man. I was so hungry. I started walking and I was like, no. Is it OK if I walk up to the burning car and reach in and get my order?

I saw I saw a tick tock. I never get beverages in DoorDash because I saw this tick tock where this guy was filming some guy DoorDasher who was in my Taco Bell picking up. And he went and like guzzled their soda and then refilled it and put like a new straw on it. And ever since then, I can't I can't get. You're just ruling beverage sales.

You just do that. Yeah. You must have been in the early days of DoorDash.

I mean, now they put like a piece of tape. It's very safe. OK, I think you're a good recovery, Joe. Good recovery. All right.

Well, we have to take a short break. The outlaw lawyers, Josh Whitaker and Joe Hamer, Whitaker and Hamer law firm. They are the managing partners. They're practicing attorneys here in North Carolina.

Offices located Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia and Moorhead City. And if you have a legal situation you're facing, you've got questions. You can always call the firm. Eight hundred six five nine one one eight six.

That's eight hundred six five nine eleven eighty six. And you can also email your question to the show. Just leave contact information if you call us.

And briefly, what the call is about. An attorney with Whitaker Hamer will be in touch and you can always email the questions to the show. Questions at the outlaw lawyer dot com. The outlaw lawyers, Josh Whitaker and Joe Hamer, Whitaker and Hamer law firm, managing partners, practicing attorneys here in North Carolina. Offices located in Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia and Moorhead City.

Cassandra Nicklaus normally on the program on assignment this week, and she is out of the Moorhead City office. If you've got a legal situation, you need some answers to your questions. You can always call the firm. Eight hundred six five nine one one eight six.

That's eight hundred six five nine eleven eighty six. Leave your contact information briefly what the call is about. An attorney with Whitaker Hamer will be in touch. And as we are doing today, we are taking listener questions. So email questions. You can send those to the show.

Questions at the outlaw lawyer dot com will answer them on a future broadcast. Guys, where are we going next? You know, Josh, I was I was thinking of taking my kids to see that new Guardians of Galaxy movie, man.

I heard good things. You know, it occurs to me we did not this last segment. We didn't tackle our listener question. Yes, we did not there. And I don't feel like we're getting to this one either, if I'm be honest with you, brother, because it's getting hotter and hotter in here about a second. It's not that hot.

It's not that cold. The you know, we get a lot of we get a lot of listener questions about HOA's. We do homeowners associations. We do. We get a lot of listener questions about those. We have a lot of consults about those.

And and as always, there are a lot of fun. You know, I don't think so, man. I think that HOA is just in general. There's a there's a special type of person. I'm not knocking that person.

If you're that person and you're listening and we love you just like we love all of our listeners equally. But there's like a special type of person that really digs an HOA, man. And order and like that that whatever that vibe is you get from like being a very active member of an HOA. And then there's a whole other set of the population that doesn't and that that really hates the idea and doesn't want to be involved in it.

And I think that's what you can two categories of people, man. Yes. You know, as a law firm, we represent a lot of a lot of homeowners associations. The firm will represent an HOA. We also have represented a lot of folks against their HOA. Right. So HOA's are are just as good or bad as the people who run them. Right. So your HOA might have a property management company who helps out, helps run the board, collects payments and does all that kind of stuff. But the property management company is just there to help.

And so you still have your presidents and your vice presidents. And man, when you have a lot of people who have to work together for anything, for anything here at the firm, you know, anywhere in real life, when you have that many people who have to work together and their home is, you know, a lot of for a lot of folks, their home is their major asset. Right. Their sacred place. Yeah.

And that's where they. Yeah. And and and so you run into a lot of really there's never a small problem, right?

It's always a passion. I remember I don't live in an HOA now. But when I did, you know, I couldn't get to like trimming my bushes fast enough or whatever. And I get that letter and I used to get so angry, even though I needed to trim my bushes. Yeah, you knew they were right. But I was like, look, man, I was out of town last weekend.

It rained. I was like, cut me, cut me some slack. But that's what they do, right?

They have to make sure they have to treat everybody the same. But we get a lot of those kind of things. You got owned by your HOA, man. That's what I took from that story. I got the letter and I turned my bushes and I was mad about it. I wonder if you were madder than the neighbor that reported you for not trimming your bushes. I hope... Whittaker's gone again.

He left, he left in the bushes. But you'll see that, you know, you'll see the property management car kind of going through and doing their inspections and making sure everybody's like, you know, living up to the great, the covenants, right? The bylaws, what everybody's required to do. You can't paint your house pink. A lot of people are sad to find out that if you don't pay your HOA, that they can foreclose on you. Yeah, put a lien on your property. They can literally foreclose on the lien. So you get folks, like there's some people that are like, HOA's aren't real, man.

There's literally people that are like, it's not real. Like, what are you going to do? It's just letters.

They can't do anything. I've always been surprised, you know, when you, again, we do a lot of real estate closings and we deal with HOA's all the time. And that's something we talk about at closing.

You usually have to pay some transfer fees. And so there's some HOA dues and things like that. And these people, like I'll run into these people when we're representing HOA's who haven't paid HOA dues in like 10 years and just don't even open up an email from the HOA. And like you said, it's fake.

Yeah. And but yeah, the HOA will foreclose on you. It's not fake.

It's very real. There is statutory authority that allows those, them to, one, they can fine you and they can just rack fines up on you. And then they're going to put that amount as a lien against your property. And then like we said, they can foreclose on you. We've literally seen HOA foreclosures and over ridiculously small amounts, man.

Yeah. You know, the HOA's, they have a lot of power and they don't have a lot of power because that's what they can do, right? They can fine you. They can put a lien on your house, which really complicates things if you're going to sell or you're going to refinance. But then past that, all they can really do is foreclose on you.

That's like the next, that's like their nuclear weapon if you're just not going to do what they're asking you to do. And, you know, I'm assuming the HOA's in the right. We've run into times where the HOA is being run improperly.

Those are the ones, man. When you get the ones where you got like the crazy folks just running them and they're just out there for blood, man, and that's all they got to do, right? Like there's a lot of times in those scenarios, they literally, it's like your Bush's neighbor, right?

It's like that guy to the 10th degree. What about trash can police? Like if you leave your trash cans rolled out longer than, I don't know, 24 hours, you'll get a letter.

You'll get a letter in your mailbox, remove your trash cans. I mean, it's a thing. HOA's are, I mean, it can be brutal.

I know people that run to get on the HOA board so they can kind of control things a little bit better. Yeah. Yeah. I like, those are the real heroes, man.

The ones that are willing to take one on the chin from the crazies, man, and offer that balanced perspective. What was the, there was a, there was an old commercial. It was, it was an old beer commercial is the real men of genius. Yeah. That's pretty good, Joe. That was good.

You know, thank you. This is back in the day when you used to burn CDs back in the day. You did that? Are you? Yeah. Look, man, there were tapes when I was around.

I started with tapes. Uh huh. Yeah.

How young do you think I am? I'm not sure. Yeah.

Anyways, there were tapes and then I did have CDs and I bought CDs. We burnt. And then we burnt. The burning was the, yes. I thought that was the peak too at the time. Oh yeah. It was crazy.

Nothing would beat it. Well, we downloaded probably illegally, right? I don't know if that was legal, but we downloaded like all those, like every, every real minute. Wait a minute.

Your attorneys, you know, if it's legal, we weren't. Yeah. I would always pay. Exactly. Good answer. I would always pay. Good answer. I downloaded all the commercials.

There was like real men of genius and real men. Oh, you can probably do that. Yeah. I downloaded them all and burn them to like one CD. And we used to listen to it before we went and played like a flag football or something.

And we'd listen to like all of them. To get pumped up? Sometimes. Or just to giggle?

To giggle. Yeah. These are, these are real men getting together and listening to. Well, I mean, we were kids.

Yeah. We weren't men. We didn't have YouTube, man. Like now you can go watch like a comedian on YouTube, but it used to be, you had to just get like a Jerky Boy CD and listen to it. You ever listen to the Jerky Boys? I never did. Yeah.

I knew they were a thing. You ever prank call people? No, I never really did. You don't seem like the type that would. Joe, you do, by the way. No, no, man. You wouldn't be a prank caller?

I'd, uh, no, I'd listen to somebody do it probably and laugh, but. The, uh, yeah, well, you know, there was, people forget. There was a time where you, like you, you had to watch stuff when it came on TV, right? Yeah.

Yeah. Cause if you missed it, no, you could, you could be like, my dad would VHS record stuff. So I still got tons of tapes, man, tons of them. And what a nightmare it is to try to find anything. You got to rewind and you got to literally, it's like super slow.

What a nightmare, man. There's YouTube channels and that's all it is, is where they digitize their old, like with commercials and everything. And you just pretend like, yeah, but you just pretend like you're watching TV in like 1986. That's pretty cool. Actually, commercials are all the same. The timing is all the same.

It's pretty sweet actually. Yeah. Well, we went from HOA to real men of genius. I like it. The outlaw lawyers, Josh Whitaker, real men of genius and Joe Hamer, Whitaker and Hamer law firm, managing partners, practicing attorneys here in North Carolina offices, conveniently located.

Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia, and Morehead city. If you've got a legal situation you are facing, you need answers to questions, you can always call the firm 800-659-1186. That's 800-659-1186. Leave your contact information briefly what the call's about and an attorney with Whitaker and Hamer will be in touch. You can always email your questions to the show, questions at the

We'll be back to wrap it up. The outlaw lawyers, Josh Whitaker and Joe Hamer, Whitaker and Hamer law firm where you can find them. They're the managing partners there. They're practicing attorneys here in the great state of North Carolina.

They have offices conveniently located in Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia, and Morehead city. I'm Morgan Patrick, consumer advocate. Normally we have Cassandra Nicholas on with us.

She's on assignment this week. Gentlemen, we've been hitting listener questions and other topics. Where are we going next?

We'll close out the show. I want to talk about food some more, man. I think my phone heard me talking about dieting and so I pull it up while we're waiting for Morgan to do his fantastic intro and it's food. Nothing but food, man. Well, yeah, I'm kind of hungry. I could eat if that was.

We should do a show where we just eat on air. It's right up on the mic. Samplings.

Showing down, dude. Samplings. I like it. That would drive people crazy, man. There's people out there that don't like that. What's that called? What's it called? It's something.

You don't like people chewing? You need Cassandra for those. Cassandra would keep us straight. Oh, yeah. What's she doing? Not feeling well today. Oh, I thought she was just being really quiet.

No, no. She's not feeling well today. She could not. She could not join us today. I thought she was over there just taking a show in.

I was like, man, she must be really enthralled by the stuff we're saying. No, definitely, definitely getting a little hungry. I'm glad we're getting. What are you going to eat, man? What are you going to eat?

Tell the people. Well, you know, I ate a big lunch today. My wife told me we were having. My wife likes to have like a fish day. Ah.

Not fried fish, just regular like fish, salmon. OK. Yeah. Yeah. And I usually don't, you know, I usually eat a bowl of cereal or something instead. But what I thought this was going to be a cool story about you eating a big lunch and then you just. So did you do the cereal? Did you eat the fish? Well, that's later.

What? I'm so confused right now, man. I don't know if it's my blood sugar.

I think it is. That's that's dinner. OK, so what did you eat? What are you OK? What are you eating? Tell me what you're eating. Tell me what you're eating. Tell me what you're eating. What I ate today?

Yeah, no, later. I want to hear what you're eating. Fish. I know, but what kind? That's why he's going to eat cereal. He doesn't like salmon.

But it's not just going to be one fish. There's going to be something. What else? With what? I don't know.

God bless it, man. I don't know. You know what I'm going to be eating? What?

Probably a piece of chicken and some broccoli. Oh, because of the diet. Yeah, man. It's so stupid. So, Joe.

Who made people this way? So, Joe, back to your diet. What's your goal? I mean, you have a certain amount you want to lose or you just you want to kind of. I mean, I want to be able to look in the mirror and not be disgusted by myself.

That's where I'm going. No, man, I'm I'm fine. I just. I was going to say, you're not a big dude. Thanks, Morgan. I don't mean that in a gym hulking out, you know, way. I'll be honest with you, man.

I've got this pipe dream. Right. Right. And I'm getting older. Right. I'm getting older. I know that.

We all know that. My day's coming where it's going to be all downhill. Well, you want to be as healthy as possible. I get it.

I don't think that day has come. I think I've got like six more months. Right. So if I in that six months can reach my absolute lifetime peak fitness level in that six months.

You're fighting weight. I could still do it. I can still do it.

Now I can say like. You know, I don't want my best days to have been behind me, man, because I know that's coming, right? There's going to come a point where I'll never get back to that, but I think I got a narrow window.

So, yeah, man, that's it. I'm just going to I'm going to hit it hard or I'm going to leave here and I'm going to get some ice cream. I don't think I'm going to fall off the wagon. I don't think I'm going to.

You know, you know, a true story, man. I took my little girl to get froyo yesterday and that almost happened. I was like, I want this froyo so bad. I'm in here. I'm in the lion's den and I grabbed the container for her and I grabbed another one for me and I put it under.

He started to tremble. I put it back. Good for you. Good for you. I told everybody that.

I told everybody that, you know, you know, running achievement of my life. You need to you need to stream Rocky three. Yes. And, you know, you'll go up against Clubber Lang. You'll have some some issues. You'll you'll you'll you'll be knocked down, but you'll get back up and, you know, great inspirational music. I have the tiger and you can make your goals. Is Rocky three the one with the robot? Which is the one with the robot? Oh, yeah. Rocky three. Rocky three is running around the house.

Yeah. The one with the robot. And then they go to L.A. and they train in L.A. And Rocky four. Rocky four robot creator. I think it might be Rocky four, man.

I'm not a Rocky historian. Drago's four. And it's Clubber Lang and three.

Three is the best. I get. Yeah, I always get him confused.

I have a hard time. I remember which one Hulk Hogan's in. Like I have a I've seen them all. Yeah. Very fun. Yeah.

Movies. Yeah. But that that that robot triggered the radio. You remember Radio Shack? Yeah.

Yeah. Radio Shack had like a little robot and had like a little tray. So after the movie, this little Radio Shack robot came out. My brother got it for Christmas one year. And but but that's all you that's all it would do.

You put something on the tray and it would just take it. That's still pretty sweet for the time. For the time. It was crazy. It was unbelievable.

They don't they don't have those anymore. All right. Well, guys, we're up against it. And I believe Hulk Hogan's character name in Rocky three was Thunderlips. Oh, yeah. Yeah. I got a shirt, man. That's what I'm naming my next kid. The outlaw liars.

We have another edition in the books, thankfully. Josh Whitaker and Joe Hamer, managing partners, Whitaker and Hamer law firm, practicing attorneys here in North Carolina. Offices conveniently located.

Raleigh, Garner, Clayton, Goldsboro, Fuquay, Verina, Gastonia and Morehead City. If you've got a legal question, you can always call the firm. Leave your contact information briefly.

What the call is about. Eight hundred six five nine one one eight six. And an attorney with Whitaker and Hamer will be in touch.

That's eight hundred six five nine one one eight six. Or you can email your questions to the show. Questions at the outlaw lawyer dot com.

See you next week. Law lawyers hosted by an attorney licensed to practice law in North Carolina. Some of the guests appearing on the show may be licensed North Carolina attorneys. Discussion of the show is meant to be general in nature and in no way should the discussion be interpreted as legal advice. Legal advice can only be rendered once an attorney licensed in the state in which you live. Had the opportunity to discuss the facts of your case with you. The attorneys appearing on the show are speaking in generalities about the law in North Carolina and how these laws affect the average North Carolinian. If you have any questions about the content of the show, contact us directly.
Whisper: medium.en / 2023-05-27 16:07:21 / 2023-05-27 16:33:25 / 26

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