Wake up, Buy Here, Pay Here people. It's a beautiful day. Go grab yourself another cup of Joe and say hello to Jim and Michelle Rhodes on the Buy Here, Pay Here morning show. Take it away, you two. good morning happy music welcome to black friday we're both we're both oh we are oh we didn't that was not planned but you know it works yeah really anything planned in my attire reach in the closet well I think that he sees what I'm wearing and it's like a subconscious thing it's like oh you think that's it maybe I'm gonna just gonna you know we're like connected subconsciously on our wardrobe or something it's weird yeah okay uh friday Yep. We wrapped up a couple of V eight meetings this week and we've got two more for the month. We've got our group five, which is the new group that's five hundred to two thousand accounts. Really some great operators in there. Three of the first four members in that group are women. I just think that's awesome. I really, really do. That thrills me. It doesn't surprise me. It's interesting. And so I'm really eager to get to know them and get to know their operations more. We've had one in that group so far. I noticed that you, on a lot of the social media stuff, that when people say things like, hey, fellas, or whatever, you're like... You saw me chime in on that. Fellas. It's not just fellas. How about, hey, dealers or whatever, because there are a growing number of women in the industry. And let's just, you know, remember that. Let's move beyond phrases like car guys. Uh-huh. Car peeps. Yeah, because there's some really great operators out there that are women. And they certainly deserve to be, you know, included in these conversations. And they are. We just got to make sure we... we do better about our phrasing. Absolutely. I'm so grateful for the morning show. I was just thinking this morning, it's like one of the only things that keeps me, what day of the week is it? My life is a bit of a blur and it's just like, it's a routine every day of the same kind of things. And and um and so I just I I wake up in the morning it's like okay what day does it matter you must feel pretty rudderless on monday now that we dropped I do I do it's like it's like I get a it there's no weekend but um you know that's okay uh yeah and then one more quick mention on the v-eight thing we've got uh our group three meeting which is the newcomer group that we currently have established and we've got uh I think four three or four seats available in that one so Reach out if you're a newcomer and you want to be able to sit with other dealers, get some group coaching. Yeah, you can sign up at any time. If you want to get into this month's, then let us know ASAP so we can get you in for this month. But we're... You know, we are poised to grow and ready for that. So however many people want to join us, we can do that. I want the newcomers to know that when they sit in that group, it's mostly group coaching and that we are able to share with them numbers and how other dealers... numbers look and why we calculate and recommend they track certain numbers. And so it's kind of like an aggregate average and things like that that you present when you're doing the new group because a lot of them don't even know what to look for or why these numbers are important. And we talk about whatever the issues are at hand. Like, for example, I have a customer who filed bankruptcy. What should I do about a bankruptcy? That's a great segue. Oh, yeah? Oh, yeah. That's a really, really great segue. I'm three hundred and fifty episodes into this practice. We have a special guest today and it was based on... Well, we... have steven frequently um and uh and let's just go ahead and bring him in and we will uh yeah we'll start talking so steve steve levine you just put steve on your thing so steve levine and um you're with ignite consulting consulting and I I plug this book all the time yeah And so whenever we talk about things that are about compliance, I have this book and then we also got one from Hudson Cook. And so it's like, if you don't have these books in your library, get them. Good information. You're welcome. And I'll give you a scoop. I'll tell you all first. I'm actually working on the follow-up. I hope to have it out sometime next year. Fantastic. Fantastic. And also, you mentioned before we kicked off that you have an upcoming webinar that you're planning to bring this bankruptcy conversation into that as well, right? Yes. I've been getting a lot of questions about bankruptcy lately, so I thought it was a good idea to revisit the topic and dedicate a webinar to it. It's going to be third Tuesday of October, whatever that is. So the topic today came from a post that was about a week ago, a week or two ago. I think it was more than a week ago because we weren't able to get you that same week. And it was on, will bankruptcies sound like they're on the rise? Fifteen percent. Fifteen percent. OK, so so bankruptcies are on the rise. And there was a question posed about how to handle different parts of bankruptcy. And just listen. I mean, I troll Facebook for, you know, stuff about buy here, pay here all the time. And so I'm just reading through all these different, you know, this and this and speaking from authority, you know, or whatever. You should do this. You should do this. And then Steve pipes in. And it's like, oh, geez. Pump the brakes, y'all. Pump the brakes. Pump the brakes. And Steve, we were talking before the show started. He's like, I don't comment very much anymore. But when this one came up, I did. And I'm glad you did. We sometimes invite you though. So the conversation was around bankruptcy and how to handle my customer file bankruptcy and what's next. And so Steve, you, you saw, like I saw as a non-attorney with some peripheral, you know, exposure to those things. I thought, Oh, some of those answers are off. And so we're going to get dealers in trouble if we don't clarify. It's one thing to be like compliant with cars rule and all of the stuff. And a bankruptcy is like another big section of that. You just, there's stuff you got to do. Yeah. So just share with us kind of what you saw in that thread, Steve, and kind of what you feel like people need to know about that. So I think the first thing folks need to know when it comes to bankruptcy is it's a federal law. Very often when folks want to comment that they start referring back to state law and bankruptcy is a federal law. And It's supposed to be the same every place, but as somebody that used to practice, when I did bankruptcy work, I practiced in Dallas, Fort Worth. And there were three judges at the time in Dallas. There was one in Fort Worth. And even though it's the same law every place, how the judge interprets that law could be a little bit different. So I may be in one court at ten o'clock in the morning and have a judge rule one way. And then at eleven o'clock, a judge has a different. So, yeah, that does happen. Plus. And I think I actually mentioned this in the book, and people don't believe me. There's something called local rules and local local rules. Yeah, local local rules. Wow. And that is basically that the bankruptcy judges rules to the lawyers that practice in front of them about how certain things are going to be handled. So it's really important when you have this discussion. I tell my clients I do not practice in bankruptcy court anymore, but I tell my clients it's very important that you identify somebody in your area that does have that knowledge. Creditor's rights attorney is what they're called. If you have a hard time finding one, reach out to me. I'll help you identify one. It's really good to have a relationship with one so that if something happens and you've got to act quickly, you're not scurrying around trying to find somebody, that you've actually got somebody that has some familiarity with your business and can take action right away. So the local and the local local rules, they still abide by the federal rules, right? Correct? Yes. But for instance, a local rule may say that I want the parties to try to work out anything having to do with the lift of stay prior to filing a motion. And I want everybody, if a motion is filed, I want them to certify that, yes, we've had that conversation and we were not able to reach agreement. Interesting. So that is a really, really wise, what you're suggesting to everybody that they do is they find someone in their area, in their jurisdiction, I guess, is that what it's called? Yes. In their jurisdiction that understands both the laws when it comes to bankruptcy, and you gave it a name. And I'll give you a great example. So a couple of years ago, the US Supreme Court came out with an opinion case. It was a city of Chicago versus Fulton. And it had to do with the impound of a vehicle. And the Supreme Court looked at the facts and ruled a certain way and said, OK, wait a second. Yes, there's an automatic stay when the bankruptcy is filed. But that doesn't necessarily mean that the vehicle can't be disposed of. And this involved impounds, this didn't involve a creditor repossessing a vehicle, but a lot of that conversation is analogous to the situation that dealers and finance companies face. Interesting. So it's important to ask your local attorney Has that judge had an opportunity to rule on that type of case? Because judges are interpreting that case differently. And my whole career, practically, my advice was when you take the car and then the customer files bankruptcy, you have to give it back because the property is the property of the estate at that point. And you can't violate the state by disposing of it. Based on that case, that is no longer my advice. My advice now is find out how your local judge rules on that issue. And I've seen instances where the judge interprets it differently. And you need that information. right so let's back up a few steps wow yeah um long before we get to the courthouse let's and keep in mind too with the morning show many of our listeners are newer to buy here so I'm brand new and so if I'm if I'm just talking to somebody who's experiencing it for the first time Let's first talk about what constitutes notice. If a customer just tells me on the phone, because I call them because the payment's past due and they say, well, you should know I just filed bankruptcy or I plan to file bankruptcy. Can we talk about what the dealer should do when the B word comes up in a conversation? Yes. Yes. Because that's really important. And the first thing I always tell folks about bankruptcy is if you're a finance company, buyer, payer, dealer, you hold paper, you should subscribe to PACER, P-A-C-E-R. That is basically the government website on federal filings. And it allows you to go in and search to see what's been filed. It's free to sign up. The only time you have to pay for it is if you print off over so many documents in a given month. It will ask your credit card, but you don't get billed unless you actually start printing documents. The reason Pacer is so important is our clients here all the time. Oh yeah, I filed bankruptcy. Well, give me the number. Oh yeah, I didn't get it from the attorney yet, but I filed bankruptcy. You go on to Pacer and you can verify that for yourself. And that's really important because if somebody says they filed bankruptcy and you ignore that because you don't bother to verify it and they actually filed, you get in trouble. So it's a good idea to put in the notes. Customer says they filed bankruptcy, wouldn't give me any more information, wouldn't give me the attorney name, didn't have the case number, went on Pacer and either verified or couldn't verify. Yeah. So what if they can't verify? Does that change? You don't practice anymore, but would you advise acting or you would advise call an attorney probably? Well, what I would advise was check pacer first. Get the attorney's name that they claim to be using. And a lot of times people say that they're just doing a pro se. That's a little trick that some of these folks used to try to avoid. Oh, no, I just did a pro se. Well, then give me the number. Well, I don't have the number. I'm not familiar with a pro se. What's a pro se? Pro se means that you're representing yourself. And a lot of debtors today, they don't want to pay the thousands of dollars to the bankruptcy attorney. So they filed themselves and they could do that. But if you go on Pacer and you can't confirm the existence of the bankruptcy and you put in the notes that, hey, we tried, then you're in a much better position to defend yourself. If somebody comes and attacks you saying, well, you took action after you were notified. So yeah, what I'm hearing, and this is kind of, it's an interesting thing where people will, customers will sometimes claim that they intend to, and they may never get around to filing because it costs money to file. And sometimes that's a barrier. And so there can be those kinds of things. So I think still would probably consult an attorney, but what I'm hearing is unless it's been filed, we're probably okay to take action to repossess, but we just, it's sort of tricky here that we really just want to be sure. We're in good water there because the penalty for us for taking that action can be pretty significant when we act prematurely. and or we act kind of irresponsibly because the thing has in fact been filed, then now we got a whole different set of rules. And we don't have to dig into all that, but basically we just kind of answered the part about what constitutes notice. Now, if we get a letter in the mail, then obviously that's clear that there's a file number attached. It's been filed, right? Sure. And so a lot of times the attorney will send a letter in the mail and say, I've spoken to this customer. They don't say retain because that's attorney client relationship. They don't want to take on that responsibility, but they said, I've spoken to this customer and we will be filing. And well, until they file that, that there's no automatic stay. Uh, but let me back up for a second. Cause something that, that I like to teach, like when I'm doing a collector training, one of the things that I like to teach is when a customer mentions the, the, the B word, uh, Have something ready to go. You know, have a list of questions. Have you already filed? Oh, no. Well, let me ask you, since you haven't filed, why are you filing? Is this solely about this account or do you have credit card debt? Do you have a mortgage issue? And a lot of times you could flip the conversation around and show them that, Oh, you've got eight thousand dollars of credit card debt. Boy, I wouldn't use my magic bullet of bankruptcy over eight thousand dollars of credit card debt. There's other ways to get that worked out. Have you looked into any of those or oh, you're filing bankruptcy because of your mortgage payment? That might delay things for a month or two, but your mortgage company is ultimately going to get paid in that bankruptcy. So have you considered X? A lot of times we're not the reason that they're jumping into bankruptcy. And it's really good to get that information. I know several service folks that have told me, you know, based on those conversations, they've been able to keep somebody out of bankruptcy just by educating them a little bit. Oh, my goodness. Thank you. Because that's the thing. It's one thing to educate a dealer. But there are, our customers are so uneducated about financial issues. They just, they just don't know. And, you know, I've, I've, I think I mentioned, was it Wednesday or what? I frequently, I've had the opportunity of serving customers and, you know, talking to them about what do you think? creates this thing where you're in sub-sub-prime and all of that. And the number one reason given is never learned. Never learned. And I'll tell you, Michelle, if you watch TV at three in the morning, you see a bunch of bankruptcy commercials. If you watch TV at four in the afternoon, you see a bunch of bankruptcy commercials. They're targeting you. When you call those lawyers, they tell you to file bankruptcy. Yeah. So you really have to educate folks and make them understand. I'm not saying bankruptcy is always bad. A lot of times it makes perfect sense. But I've also seen a lot of consumers over the years that I'm shaking my head thinking, God, why did they file bankruptcy? that there were other ways to go about this. So I think it's important to teach them that. Well, and I would imagine that when a consumer is just like, they're on this bad credit merry-go-round and who cares? Who cares if I've got a bankruptcy? I'm still not going to get a loan. I'm still not going to, you know, I'm still not going to be able to do all this stuff. And so there's got to be a weight of it doesn't matter because it doesn't. I've already been kicked to the curb or whatever. It's just I'm part of this cycle. And until our consumers, until our customers understand what having good credit means to them or what it can mean to them, or what it can do for them, it's another education thing. I mean, you can say, yeah, there's a better way of doing this, but they don't know any better. Yeah, but I think back to the dealer part of this, as the creditor in this picture, I'm saying if the customer has indicated that, sometimes I remember as a dealer myself, you'd hear customers saying things like, Well, I'm filing, but I'm not going to include you in the bankruptcy, which is they're not really allowed to do that, right? As I last understood it, they're required. Maybe. It depends on the situation. And a lot of times that the debtor's attorney will look at when the car was purchased, the overall situation. plan and decide that, no, I could keep this outside of the bankruptcy because really they're not getting advantage putting it in. So there are things they have to consider too. okay so there's um and steve indicated before we started that there were some changes in the laws about ten years ago that you know would affect a lot of this and so many of us are operating maybe on old information I certainly learned a few things here already today so I think it's all the more reason that you know steve thousands of dealers should hear this conversation and make sure that they're informed about you know what's happening with bankruptcy and kind of what to do to to protect themselves and not act because as a creditor, obviously they're uncomfortable when there's a filing, whether it's a chapter seven or chapter, and we don't have to go into those kinds of weeds today, but, but the dealer's uncomfortable because past experience might suggest that they can get tangled up in a thing for many months and not see a payment for quite some time and have no authority to act to recover their collateral. So that's obviously a situation the dealer wishes to avoid. We see bankruptcies on the rise, so there's gonna be more of that. So it's just important for dealers to get familiar with what needs to happen there. But let's stick with the scenario where the customer has in fact filed bankruptcy. We verify on PACER. then we probably are able to verify pretty soon when the first meeting of the creditors has been set. And I asked you before we started, you would advise that dealers be aware of that date and have a representative there be there themselves or to have a representative there, an attorney, a counsel, whatever, to be at that meeting. Is that right? Yeah, I think that the creditors meeting is a very underutilized tool. When I used to practice in bankruptcy court, I had several clients that would have me go down and basically it's a free deposition and you get to ask the debtor questions and The debtor's attorneys, a lot of times, they don't anticipate anybody's going to show up. They've got fifteen people on the bankruptcy docket for creditors meetings that day. So they haven't coached anybody. So you get free shots. And a lot of times, you know, you start asking the person, you know, OK, you bought this car two months ago. When did you consult with the bankruptcy attorney? Did you know you were going to file bankruptcy? Or you start asking people. Do you need this vehicle every day? Well, no. I have my kid drive this mostly. Oh, then they don't need it for the completion of the bankruptcy plan. So that's a really important fact to know. That's a good idea. There's lots of questions you could ask. And this is actually something that I've trained some dealers, somebody in their company. You don't need a lawyer to go do that if you don't want to pay a lawyer to go do that. You could go do it yourself if the courthouse is close by, if you're comfortable doing it. Maybe not every case, but in certain cases, if there's certain facts, it's a good idea to ask the questions. And a lot of times, those are an opportunity to educate the trustee as well, because the bankruptcy trustee is sitting there. And based on what the debtor says, that they may move to get your car out of the bankruptcy or to get the case dismissed. You want to describe for our listeners that are new, what kind of a quick definition of a trustee, like what their role is? Yeah. So basically that the trustee, when somebody files bankruptcy, that the trustee is appointed, the trustee is basically responsible for marshalling the bankruptcy assets and for seeing that the plan gets completed. So the trustee is pretty important in these situations. And They're not your friend. They're not your enemy. They're completely above that all. Although sometimes they can have an adverse interest. For instance, if a dealer or finance company didn't get the title filed in time under state law, the bankruptcy trustee may move to... get that vehicle as a bankruptcy asset. Because if you didn't file timely, then your lien wasn't protected properly. One more reason to cross your keys, dealer. Yeah. I put up the website you were talking about. Wonderful. h it's pacer.uscourts.gov and I um actually uh let's see this is it's just really it looks like it's super user friendly you just get yourself a login and um and go so um steve's suggesting that everybody get an account on pacer and so when you hear the b word yeah and I think um what I'm hearing you say steve about that meeting of creditors is You know, if I'm a dealer, I could go on my own, but I probably should attend your October webinar. I know what questions to ask if I'm going to go in there. That's a great idea. And look, I know time is valuable. I don't always recommend going to the creditors. A lot of these things are cut and dry. They bought the car six months ago. The plan is reasonable. No reason to go. But then there are certain instances where it's like, wow, they're trying to sneak one by. I want to go ask some questions. Yeah. Well, especially when that circumstance where they bought the car a month or two ago and now you're in bankruptcy court. I remember one. And it was really an eye opener. I mean, this is back, I don't know, mid-nineties. A person's driving around in a forty thousand dollar Corvette. And our issue was they didn't have insurance. And the customer thought that CPI was blanket insurance and they had insurance. And we're like, well, wait a second. You got to give us proof of insurance. And, you know, their lawyer looked at the customer and said, yeah, you really do need insurance. Yeah. So it was just a misunderstanding. Yeah. Yeah. Education again. Yeah. And you indicated, too, that one of the things that dealers have heard over the years is a phrase that I used to hear called cram down, which is you indicated that that law that kind of took effect about ten years ago. It reduced a lot. It's changed a lot. It used to be that that, you know, you sold the car for eighteen thousand dollars. And then when they value it two months later in the bankruptcy, the six. So now there's rules in place over I think it's two and a half years. If the bankruptcy has been filed with it within two and a half years, you don't get to do that dramatic cram down. So you cram down the interest rate still. And different judges have different parameters for what they think is reasonable for interest rate reduction. But they don't get that big, huge, quick cram down of the value, which that cram down was why, you know, they might have been scheduled to pay you three fifty a month. But in the bankruptcy plan, you know, it's ninety dollars a month. Yeah. But that cram down isn't like it used to be. I think we have one dealer in Florida who's doing three hundred fifty dollar payments now. They're more like five and six hundred dollars. Yeah. Yeah. I just heard that. I thought, yeah, that was that was the payment. I dated myself. Sorry. That's another ten years ago or actually pre-COVID. But you address. So just for those dealers not familiar, that's what we used to see. The cram down was a dealer would go in there with have a. have an installment payment of, you know, three fifty a month, as Steve said, and the trustee would get reduced. And so obviously that takes a dealer long, much longer to recover the funds. And so what I'm hearing is it's not as big a problem as it was. Well, when when you have a vehicle in bankruptcy like that. then that also holds the debtor accountable for, if it's a, is that a chapter? Chapter thirteen. That holds the debtor accountable for completing that regardless of whether or not the car's running, correct? Correct, although if it's not running, their attorney could make a motion to the judge. It gets a little bit involved, but Something I really want our audience to understand is I don't know what the number is anymore. It used to be seventy five percent of all bankruptcies that were filed didn't make it to discharge that they got dismissed somewhere along the way. A dramatic number. I don't know what that number is. Really? But it's really important. Again, this is another reason why Pacer is so important to track these things. Because over the years, I've had so many folks call me and say, you know, we've got this bankruptcy. And well, but it's been on our books for two years. We just don't know what to do with it. I'm like, well, wait a second. Lo and behold, that bankruptcy was dismissed a year and a half ago. Right. And it was just kind of like sitting in some queue because nobody ever followed up. So it's really important that you develop a process monthly, quarterly, whatever it is. So, OK, let's verify that these are all still active accounts and haven't been dismissed. And so the end result would be if I got on there and learned that a case had been dismissed, then that means that the debtor in that case is no longer afforded the bankruptcy protection and that we could take repossession action or pick up the phone and call the customer and try to work out something to get that resolved. But just the main thing is that dealers would then be able to take action again. Yeah. Seventy five percent is a pretty high number. Yeah. And I don't know if that number is still good, but it used to be, you know, back when I was doing this, I tracked this several years in a row and it was always right around there. Well, and I can imagine, too, that the customers, when they're in a tough spot, that the B word is like, get off my back. Mm hmm. I don't want to talk to you, but it's just something, you know, people sometimes will throw around words or I'm going to talk to my attorney or whatever. And it's just to scare you to back off. So that. I see those commercials, you know, the flashing lights, stop phone calls, stop. Yeah. Yeah. So again, pacer.uscourts.gov. Okay. I think this is important, too. I think we probably helped some, you know, personal relationships, husband and wife, because if, you know, you hear from the other room the B word, then, you know, it may not be what you think it is, is really what I'm. So I'm just saying, let's pause and realize we could be talking about something else. Right. Oh, my goodness. You're so funny. So I think, Steve, what I'm hearing here is the big answer to all this is just training, training, training. We've got to make sure that our team, our collectors know when that word comes around that there's a process for how we deal with that. And the main thing is just pause and make sure that a decision maker and write policies and practices accordingly so that we can make sure that our team knows exactly what to do and what not to do because we can really get ourselves in a difficult spot. Yeah. and when you talk about training so the number one feedback I get from working with with uh people at dealerships is I never got any training I just kind of went online and read a couple of google things and you know went for the second comment I get is you know so and so trained me they were switching jobs so they trained me and showed me exactly what they did and I've been doing it ever since Well, that doesn't necessarily mean that there was ever solid training to begin with. So it really matters. I mean, a fifteen minute conversation about some best practices could really make a big difference and not losing those those accounts for a long period of time. And motions to lift stay are a great tool. I see a lot of people waste money on them, though. where a phone call could have accomplished the same thing. Um, yeah. So I just, I'll look it up, but you said your, your upcoming webinar is going to be on, um, the second or third Tuesday. We do the third Tuesday, uh, every month at, uh, two o'clock central time, three o'clock Eastern time, different topics every month. And yeah, based on that Facebook traffic, we decided to dedicate one to this subject. And I'm just going to be kind of walking around folks through how I analyze the cases, the things they have to know some ideas for training, because it just kills me when I read this stuff that you know, somebody, somebody loses a car, or even worse, and I've been there, you know, a dealer is getting sanctioned for violating the stay, because they didn't understand. Right. That's usually the case. I think a lot of what I saw in that Facebook thread we were referring to is a lot of dealers who didn't understand. And they're chiming in and offering suggestions, but it's based on incomplete knowledge or just bad information, whatever. Yeah, this is important, I think. And I mentioned I'd love to, and I think maybe we ought to just have you back at a future date to talk about leasing as it relates to a lot of these things. Because those dealers that are lease your pay here have different, there's a different aspect to the nature of the relationship because they own the car. And so there's a different thing. And so it's a different conversation. Everybody should know that what we talked about here is really, traditional buy here, pay here, retail installment contracts. That's really everything we've talked about here. And it could be different in the case of, of leasing. So again, a separate conversation, but we look forward to your webinar. I think you can expect that I will be in attendance and we want to encourage our listeners and remind them to be at that event. Yeah. And I, let me throw this up here too. This is Steve's website and I know there's, I get your email all the time and, And, um, and very, very frequently, especially if it's a topic that I know that, uh, our, our, um, clients are in need of hearing. It's like, get on here, listen to the thing, get signed up for the, for the, the, uh, the email, because you can sign up for, uh, it's a monthly email, right? It's a weekly. It actually, we call it the tip of the week. It comes out every Tuesday. And usually the way we come up with the subject is what did we hear this week? Yeah. A problem somebody brought to our attention and we address it. And all you have to do is go to info at ignitecp.com. Info at ignitecp.com. Yeah. And just tell us you want to be on our email distribution list. We'll put you on. No obligation. It's completely complimentary. Yeah, yeah. And it's, I mean, it's so worth it. Again, winning the fight. We've got a new one coming out with, yeah, some, some updates. And so really, you know, legal compliance is never sexy. But it is so essential. And so, you know, all the Pacer, get signed up for Steve or Ignite's weekly email, and then attend those, those webinars that he does. And we're gonna, we'll, we'll make sure that we're plugging that on the show, just to make sure people are there if they've got some bankruptcy things that are happening. right yeah well steve we appreciate you making time again and uh I can just tell our listeners that if you um are in need of a an attorney who knows the buy here pay here space I don't know that you're going to find anybody who knows our segment better than steve levine so just want to make sure everybody knows how to find him and you mentioned uh ignite cp I know I'm sure ignite consultingpartners.com is still a domain where they can find you so I've got that uh quickly I can throw that on the screen as we wrap up but Um, ignite consulting partners is a, is a way to find them. So, so just know how to find Steve Levine. And then, uh, we, uh, again, we'll wrap up there and, uh, and we'll look forward to having you back another time. Hey Steve, thank you very, very much for, and you are always so good about, you know, Hey, can you get it? And it's just a matter of like getting your, you're a busy, busy, busy guy. Um, but we just really appreciate your support and your willingness to come on the show and share. what you know thank you and I appreciate the opportunity I love talking to your listeners uh you know my best part of the job is talking to to the dealers and finding out what's going on with them, what's causing them apprehension and trying to find them solutions. Yeah, absolutely. All right. Well, I'm going to put you backstage. If you can stick around for just a minute so we can say proper goodbye after we've closed the show out. You bet. Thanks. Thank you. All righty. So the favorite part of my job is hanging out on the podcast with my adorable wife and educating dealers, bringing great information to dealers. Oh, my goodness. All right. Well, let's see. It's Friday. Sorry. Well, that was weird. I know. It's Friday. We've got a for a lot of you out there. It's a busy day collections are going to be super busy today. And so happy collecting. And hope you guys have a great weekend. Again, we are no longer going live on Mondays. So I know, I know, such a huge disappointment. But we have some other podcasts that we are Yeah, you'll find us. We're developing. Giving education to the scene. Not at Eleven Eastern on Monday. Not at Eleven Eastern. And probably recorded and just dropped at certain times or whatever. So, again, have yourself a great weekend. Thank you so much for making us a part of your Friday and of your week. And we will see you next Wednesday with our next White Hat Wednesday topic. Thanks so much, everybody. We really appreciate you. Have a great weekend. See you.
