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I was just calling to touch base with you and follow-up from our conversation from a few months ago if you still had time. And they booked you in to have a chat with me today. Cool. You're okay. I know you're busy. So before we jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security its full name, date of birth, address? Amazing. So I was calling. So you and I spoke back in April, and we went through the statement of advice. And then that document wasn't signed at the time. It expired, and you signed it after it expired. And you signed it, which is fantastic, but, ultimately speaking, it was an expired document. So I wanted to kind of just touch base with you, make sure that you were still happy with the with the advice, and and basically regenerate and send it out to you so you could authorize the document. I need to make sure that I'm covering my compliance basis. So I guess, first and foremost, has anything changed for you? Do we have any income increase or anything like that that I do need to consider on that advice? If we do, that's great. So we were on 73,000. Where are we sitting now? Amazing. Alright. Perfect. I will do you know what you're earning weekly at the moment? Yeah. Yeah. No. Absolutely. Okay. I can base everything on a 100, and we can kinda go from there. It'll just it's it allows me to calculate, like, where, like, your your your tax liability fits and, obviously, what contributions are received from employment, everything like that. So that's fine. I can update things on that side. And if you remember, like, I guess, the main crux of the advice was to specifically look at changing the underlying investments within your fund with a a direct aim to reduce the investment fees, increase the growth on the investment as well, get rid of some of the underlying assets that were underperforming. And that was where sort of the majority of the advice sat with with what we went through. Now if you're still happy to proceed with that, what I'll do is I will reupdate the advice, and I'll get that out to you. It'll be tomorrow, like, tomorrow job, I guess, where I'll send it to you. And from there, what we can do is okay. So okay. So that's that's a major change. Yeah. Yep. Yes. Yeah. Yeah. Yeah. So it just okay. So because liabilities wise, we have we we have the new vehicle on a loan, so that means we're gonna lose that car. Okay. It's the one she drives. Yes. Yeah. You you've got the $26,000 car. She's got, like, the 34,000, and there's, like, $41 in liabilities with the vehicle and the credit card. Is there any other loans outstanding, or is it just it's literally the vehicle and the credit card loan of debt? Yeah. Personal loan. Okay. Yeah. Do you know what the I do you know what all the debts sort of add up to? So it's like a $20 personal loan and then the credit cards and the and the car? Yep. Yeah. Yeah. Yes. Yeah. Okay. And then the car loan on top, which is some somewhere in the infinity about $30. Right? Okay. Yeah. Okay. Right. Okay. Yep. Yep. Yeah. Not your loan. So if you claim bankruptcy with your name on that car, she the car's gonna go. K. Okay. Fair enough. Good. Yep. Okay. Alright. So we are we're sitting pretty high. Okay. So what I can do is I I will take note of that. You're going to see financial counseling tomorrow to declare bankruptcy officially and get assistance with that side of things. Okay. Yeah. Yeah. Yeah. Okay. We can definitely do that. Okay. That makes sense. Yeah. Just just absolutely affected you and your position moving forward, I guess. Yeah. Alright. So just really, really, that's a very nice person anyway. Alright. So I guess what I can do from this point is I will make note of the fact that you're declaring bankruptcy, and I will touch base with you in a few days because when you have your meeting with financial counselor tomorrow to go through what that looks like, whether there's any obligations for because, like, there's there's a couple of different bankruptcy stages. There can be, like, a debt nine agreement where you can basically it's sort of a step before, particularly in bankruptcy, where you would sort of pay back some of the debts in a different sort of way, and you would sort of negotiate with the lenders to pay back some of it. Oh, okay. Yeah. Hi. Yeah. So what time is your meeting with financial counselor tomorrow? 11:00. Alright. Alright. So I will give you a call Thursday. I'm I'm I'm fully booked tomorrow anyway. So I'll give you a call Thursday and touch base with you, see how you go with the financial counselor, and I should be able to go through and we can get this document signed at that time as well so I can get it all implemented. Changing changing the assets in the super fund isn't gonna affect you declaring bankruptcy. That's separate entities. But I still wanna get the changes made to the super fund so we can keep accumulating wealth on this side versus anything else. One of the things like, the financial counselor will look at, like, you I just wanna double check because I don't have any notes for it or any indication that you do. You don't salary sacrifice or anything like that into your super fund. Like, you haven't started doing it. You don't salary sacrifice or salary package anywhere? No. Cool. Yeah. Because that's one of the things that that, generally, the financial council will look at. So I just wanted to double check. Cool. Alright. No. No. That's okay. Perfect. No. Amazing. I will alright. I'll get cracking on this side, get the advice document updated, and touch base with you again on Thursday. Okay? Perfect. Alright. I will let let let you go for the afternoon, and I'll speak to you again Thursday. Are you okay with sort of same time? If I call you Thursday oh, sorry. I should look at my calendar. Would you be okay if I call you in the morning? My evening's looking pretty chunky Thursday. Yep. Always. Yep. Yeah. No. Absolutely. Perfect. Alright. Well, you go do that, and I will talk to you Thursday morning. Thanks, Tim. 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Steven Larissa from Oaktree Financial. How are you going? Yeah. That's good.\n\nI was just calling to touch base with you and follow-up from our conversation from a few months ago if you still had time. And they booked you in to have a chat with me today. Cool. You're okay. I know you're busy.\n\nSo before we jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security its full name, date of birth, address? Amazing. So I was calling. So you and I spoke back in April, and we went through the statement of advice.\n\nAnd then that document wasn't signed at the time. It expired, and you signed it after it expired. And you signed it, which is fantastic, but, ultimately speaking, it was an expired document. So I wanted to kind of just touch base with you, make sure that you were still happy with the with the advice, and and basically regenerate and send it out to you so you could authorize the document. I need to make sure that I'm covering my compliance basis.\n\nSo I guess, first and foremost, has anything changed for you? Do we have any income increase or anything like that that I do need to consider on that advice? If we do, that's great. So we were on 73,000. Where are we sitting now?\n\nAmazing. Alright. Perfect. I will do you know what you're earning weekly at the moment? Yeah.\n\nYeah. No. Absolutely. Okay. I can base everything on a 100, and we can kinda go from there.\n\nIt'll just it's it allows me to calculate, like, where, like, your your your tax liability fits and, obviously, what contributions are received from employment, everything like that. So that's fine. I can update things on that side. And if you remember, like, I guess, the main crux of the advice was to specifically look at changing the underlying investments within your fund with a a direct aim to reduce the investment fees, increase the growth on the investment as well, get rid of some of the underlying assets that were underperforming. And that was where sort of the majority of the advice sat with with what we went through.\n\nNow if you're still happy to proceed with that, what I'll do is I will reupdate the advice, and I'll get that out to you. It'll be tomorrow, like, tomorrow job, I guess, where I'll send it to you. And from there, what we can do is okay. So okay. So that's that's a major change.\n\nYeah. Yep. Yes. Yeah. Yeah.\n\nYeah. So it just okay. So because liabilities wise, we have we we have the new vehicle on a loan, so that means we're gonna lose that car. Okay. It's the one she drives.\n\nYes. Yeah. You you've got the $26,000 car. She's got, like, the 34,000, and there's, like, $41 in liabilities with the vehicle and the credit card. Is there any other loans outstanding, or is it just it's literally the vehicle and the credit card loan of debt?\n\nYeah. Personal loan. Okay. Yeah. Do you know what the I do you know what all the debts sort of add up to?\n\nSo it's like a $20 personal loan and then the credit cards and the and the car? Yep. Yeah. Yeah. Yes.\n\nYeah. Okay. And then the car loan on top, which is some somewhere in the infinity about $30. Right? Okay.\n\nYeah. Okay. Right. Okay. Yep.\n\nYep. Yeah. Not your loan. So if you claim bankruptcy with your name on that car, she the car's gonna go. K.\n\nOkay. Fair enough. Good. Yep. Okay.\n\nAlright. So we are we're sitting pretty high. Okay. So what I can do is I I will take note of that. You're going to see financial counseling tomorrow to declare bankruptcy officially and get assistance with that side of things.\n\nOkay. Yeah. Yeah. Yeah. Okay.\n\nWe can definitely do that. Okay. That makes sense. Yeah. Just just absolutely affected you and your position moving forward, I guess.\n\nYeah. Alright. So just really, really, that's a very nice person anyway. Alright. So I guess what I can do from this point is I will make note of the fact that you're declaring bankruptcy, and I will touch base with you in a few days because when you have your meeting with financial counselor tomorrow to go through what that looks like, whether there's any obligations for because, like, there's there's a couple of different bankruptcy stages.\n\nThere can be, like, a debt nine agreement where you can basically it's sort of a step before, particularly in bankruptcy, where you would sort of pay back some of the debts in a different sort of way, and you would sort of negotiate with the lenders to pay back some of it. Oh, okay. Yeah. Hi. Yeah.\n\nSo what time is your meeting with financial counselor tomorrow? 11:00. Alright. Alright. So I will give you a call Thursday.\n\nI'm I'm I'm fully booked tomorrow anyway. So I'll give you a call Thursday and touch base with you, see how you go with the financial counselor, and I should be able to go through and we can get this document signed at that time as well so I can get it all implemented. Changing changing the assets in the super fund isn't gonna affect you declaring bankruptcy. That's separate entities. But I still wanna get the changes made to the super fund so we can keep accumulating wealth on this side versus anything else.\n\nOne of the things like, the financial counselor will look at, like, you I just wanna double check because I don't have any notes for it or any indication that you do. You don't salary sacrifice or anything like that into your super fund. Like, you haven't started doing it. You don't salary sacrifice or salary package anywhere? No.\n\nCool. Yeah. Because that's one of the things that that, generally, the financial council will look at. So I just wanted to double check. Cool.\n\nAlright. No. No. That's okay. Perfect.\n\nNo. Amazing. I will alright. I'll get cracking on this side, get the advice document updated, and touch base with you again on Thursday. Okay?\n\nPerfect. Alright. I will let let let you go for the afternoon, and I'll speak to you again Thursday. Are you okay with sort of same time? If I call you Thursday oh, sorry.\n\nI should look at my calendar. Would you be okay if I call you in the morning? My evening's looking pretty chunky Thursday. Yep. Always.\n\nYep. Yeah. No. Absolutely. Perfect.\n\nAlright. Well, you go do that, and I will talk to you Thursday morning. Thanks, Tim. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.12479235976934432},{"text":"Steven Larissa from Oaktree Financial.","start":5.92,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.1376636281609535},{"text":"How are you going?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.21184192970395088},{"text":"Yeah.","start":9.92,"end":10.16,"sentiment":"positive","sentiment_score":0.3985759913921356},{"text":"That's good.","start":10.16,"end":10.98,"sentiment":"positive","sentiment_score":0.6485365927219391}],"sentiment":"neutral","sentiment_score":0.258163645863533,"num_words":13,"start":5.12,"end":10.98},{"sentences":[{"text":"I was just calling to touch base with you and follow-up from our conversation from a few months ago if you still had time.","start":11.5199995,"end":20.414999,"sentiment":"neutral","sentiment_score":0.1688769661510984},{"text":"And they booked you in to have a chat with me today.","start":22.875,"end":26.335,"sentiment":"neutral","sentiment_score":0.15008206789692244},{"text":"Cool.","start":28.794998,"end":29.294998,"sentiment":"positive","sentiment_score":0.36006391048431396},{"text":"You're okay.","start":29.82,"end":30.54,"sentiment":"neutral","sentiment_score":0.2434874325990677},{"text":"I know you're busy.","start":30.54,"end":31.68,"sentiment":"neutral","sentiment_score":-0.0065247537568211555}],"sentiment":"neutral","sentiment_score":0.1552319014661534,"num_words":43,"start":11.5199995,"end":31.68},{"sentences":[{"text":"So before we jump into it, I do need to let you know our calls are recorded.","start":31.82,"end":35.739998,"sentiment":"neutral","sentiment_score":0.021434488815858084},{"text":"And if I could just get you to confirm security its full name, date of birth, address?","start":35.739998,"end":40.16,"sentiment":"neutral","sentiment_score":0.03648281601421973},{"text":"Amazing.","start":50.395,"end":50.895,"sentiment":"positive","sentiment_score":0.386601448059082},{"text":"So I was calling.","start":52.235,"end":54.074997,"sentiment":"neutral","sentiment_score":0.10983486659824848},{"text":"So you and I spoke back in April, and we went through the statement of advice.","start":54.074997,"end":60.12,"sentiment":"neutral","sentiment_score":0.023776230751536787}],"sentiment":"neutral","sentiment_score":0.03983554161069068,"num_words":55,"start":31.82,"end":60.12},{"sentences":[{"text":"And then that document wasn't signed at the time.","start":60.26,"end":64.5,"sentiment":"neutral","sentiment_score":-0.07618072132269542},{"text":"It expired, and you signed it after it expired.","start":64.5,"end":67.4,"sentiment":"neutral","sentiment_score":-0.04713952127430174},{"text":"And you signed it, which is fantastic, but, ultimately speaking, it was an expired document.","start":69.965,"end":74.445,"sentiment":"neutral","sentiment_score":0.061936532706022264},{"text":"So I wanted to kind of just touch base with you, make sure that you were still happy with the with the advice, and and basically regenerate and send it out to you so you could authorize the document.","start":74.445,"end":86.52,"sentiment":"neutral","sentiment_score":0.07560576574924664},{"text":"I need to make sure that I'm covering my compliance basis.","start":87.62,"end":90.04,"sentiment":"neutral","sentiment_score":0.025065294043584305}],"sentiment":"neutral","sentiment_score":0.03666878199900489,"num_words":83,"start":60.26,"end":90.04},{"sentences":[{"text":"So I guess, first and foremost, has anything changed for you?","start":92.1,"end":95.479996,"sentiment":"neutral","sentiment_score":0.010819128460504791},{"text":"Do we have any income increase or anything like that that I do need to consider on that advice?","start":95.885,"end":101.905,"sentiment":"neutral","sentiment_score":-0.0167167218598096},{"text":"If we do, that's great.","start":103.645004,"end":105.025,"sentiment":"neutral","sentiment_score":0.17552819848060608},{"text":"So we were on 73,000.","start":105.725006,"end":107.485,"sentiment":"neutral","sentiment_score":0.06919135004281998},{"text":"Where are we sitting now?","start":107.485,"end":108.72,"sentiment":"neutral","sentiment_score":0.00042825080454349555}],"sentiment":"neutral","sentiment_score":0.022825148763755958,"num_words":45,"start":92.1,"end":108.72},{"sentences":[{"text":"Amazing.","start":118.96,"end":119.46,"sentiment":"positive","sentiment_score":0.4416685998439789},{"text":"Alright.","start":121.04,"end":121.54,"sentiment":"neutral","sentiment_score":0.28156304359436035},{"text":"Perfect.","start":121.840004,"end":122.340004,"sentiment":"positive","sentiment_score":0.4240835905075073},{"text":"I will do you know what you're earning weekly at the moment?","start":122.985,"end":129.885,"sentiment":"neutral","sentiment_score":0.03503171315727135},{"text":"Yeah.","start":144.76001,"end":145.26001,"sentiment":"neutral","sentiment_score":-0.10518304258584976}],"sentiment":"neutral","sentiment_score":0.09140704682795331,"num_words":16,"start":118.96,"end":145.26001},{"sentences":[{"text":"Yeah.","start":151.335,"end":151.835,"sentiment":"neutral","sentiment_score":-0.09217249602079391},{"text":"No.","start":151.895,"end":152.215,"sentiment":"neutral","sentiment_score":-0.20378738641738892},{"text":"Absolutely.","start":152.215,"end":152.715,"sentiment":"neutral","sentiment_score":-0.059173956513404846},{"text":"Okay.","start":155.41501,"end":155.815,"sentiment":"neutral","sentiment_score":0.08971212804317474},{"text":"I can base everything on a 100, and we can kinda go from there.","start":155.815,"end":159.435,"sentiment":"neutral","sentiment_score":0.11762391616191183}],"sentiment":"neutral","sentiment_score":0.07673961751990849,"num_words":18,"start":151.335,"end":159.435},{"sentences":[{"text":"It'll just it's it allows me to calculate, like, where, like, your your your tax liability fits and, obviously, what contributions are received from employment, everything like that.","start":160.455,"end":170.02,"sentiment":"neutral","sentiment_score":0.10995196191860097},{"text":"So that's fine.","start":171.2,"end":172.5,"sentiment":"neutral","sentiment_score":0.29267168045043945},{"text":"I can update things on that side.","start":173.04,"end":174.9,"sentiment":"neutral","sentiment_score":0.24873346728937967},{"text":"And if you remember, like, I guess, the main crux of the advice was to specifically look at changing the underlying investments within your fund with a a direct aim to reduce the investment fees, increase the growth on the investment as well, get rid of some of the underlying assets that were underperforming.","start":175.47499,"end":191.87,"sentiment":"neutral","sentiment_score":0.061992893202437296},{"text":"And that was where sort of the majority of the advice sat with with what we went through.","start":193.05,"end":197.95,"sentiment":"neutral","sentiment_score":-0.08575369955764876}],"sentiment":"neutral","sentiment_score":0.0681986716999249,"num_words":110,"start":160.455,"end":197.95},{"sentences":[{"text":"Now if you're still happy to proceed with that, what I'll do is I will reupdate the advice, and I'll get that out to you.","start":198.65,"end":205.175,"sentiment":"neutral","sentiment_score":0.14154064476490022},{"text":"It'll be tomorrow, like, tomorrow job, I guess, where I'll send it to you.","start":205.175,"end":210.795,"sentiment":"neutral","sentiment_score":0.049022403811769824},{"text":"And from there, what we can do is okay.","start":210.855,"end":222.29999,"sentiment":"neutral","sentiment_score":0.0388450568748845},{"text":"So okay.","start":223.4,"end":223.87999,"sentiment":"neutral","sentiment_score":0.042319659143686295},{"text":"So that's that's a major change.","start":223.87999,"end":225.48,"sentiment":"neutral","sentiment_score":0.002304660544420282}],"sentiment":"neutral","sentiment_score":0.08344468867705603,"num_words":56,"start":198.65,"end":225.48},{"sentences":[{"text":"Yeah.","start":225.48,"end":225.98,"sentiment":"neutral","sentiment_score":-0.09055226296186449},{"text":"Yep.","start":231.80501,"end":232.30501,"sentiment":"neutral","sentiment_score":-0.215091809630394},{"text":"Yes.","start":234.045,"end":234.545,"sentiment":"neutral","sentiment_score":-0.2521679997444153},{"text":"Yeah.","start":237.325,"end":237.825,"sentiment":"neutral","sentiment_score":-0.16106346249580383},{"text":"Yeah.","start":241.80501,"end":242.30501,"sentiment":"neutral","sentiment_score":-0.04493875056505203}],"sentiment":"neutral","sentiment_score":-0.15276285707950593,"num_words":5,"start":225.48,"end":242.30501},{"sentences":[{"text":"Yeah.","start":243.24501,"end":243.645,"sentiment":"neutral","sentiment_score":-0.08876374363899231},{"text":"So it just okay.","start":243.645,"end":248.77,"sentiment":"neutral","sentiment_score":-0.27653396874666214},{"text":"So because liabilities wise, we have we we have the new vehicle on a loan, so that means we're gonna lose that car.","start":249.07,"end":258.21002,"sentiment":"negative","sentiment_score":-0.36223361932713055},{"text":"Okay.","start":263.055,"end":263.555,"sentiment":"neutral","sentiment_score":-0.058798328042030334},{"text":"It's the one she drives.","start":265.855,"end":267.23502,"sentiment":"neutral","sentiment_score":-0.060121414810419084}],"sentiment":"neutral","sentiment_score":-0.29075524309540496,"num_words":34,"start":243.24501,"end":267.23502},{"sentences":[{"text":"Yes.","start":269.935,"end":270.255,"sentiment":"neutral","sentiment_score":-0.07022780179977417},{"text":"Yeah.","start":270.255,"end":270.415,"sentiment":"neutral","sentiment_score":-0.07737280428409576},{"text":"You you've got the $26,000 car.","start":270.415,"end":272.17502,"sentiment":"neutral","sentiment_score":-0.13786358137925467},{"text":"She's got, like, the 34,000, and there's, like, $41 in liabilities with the vehicle and the credit card.","start":272.17502,"end":278.40002,"sentiment":"neutral","sentiment_score":-0.2141538080241945},{"text":"Is there any other loans outstanding, or is it just it's literally the vehicle and the credit card loan of debt?","start":279.58002,"end":285.04,"sentiment":"neutral","sentiment_score":-0.10089221986986342}],"sentiment":"neutral","sentiment_score":-0.1478358990651496,"num_words":47,"start":269.935,"end":285.04},{"sentences":[{"text":"Yeah.","start":289.425,"end":289.66498,"sentiment":"neutral","sentiment_score":-0.04680346325039864},{"text":"Personal loan.","start":289.66498,"end":292.965,"sentiment":"neutral","sentiment_score":-0.09516172111034393},{"text":"Okay.","start":299.10498,"end":299.60498,"sentiment":"neutral","sentiment_score":-0.06600730121135712},{"text":"Yeah.","start":303.50497,"end":303.985,"sentiment":"neutral","sentiment_score":-0.11232147365808488},{"text":"Do you know what the I do you know what all the debts sort of add up to?","start":303.985,"end":307.72,"sentiment":"neutral","sentiment_score":-0.1944128494295809}],"sentiment":"neutral","sentiment_score":-0.170212476959695,"num_words":23,"start":289.425,"end":307.72},{"sentences":[{"text":"So it's like a $20 personal loan and then the credit cards and the and the car?","start":307.72,"end":313.98,"sentiment":"neutral","sentiment_score":-0.11156519239439684},{"text":"Yep.","start":342.38,"end":342.735,"sentiment":"neutral","sentiment_score":-0.025685906410217285},{"text":"Yeah.","start":354.175,"end":354.675,"sentiment":"neutral","sentiment_score":0.0748741626739502},{"text":"Yeah.","start":355.375,"end":355.875,"sentiment":"neutral","sentiment_score":0.1491650938987732},{"text":"Yes.","start":360.24002,"end":360.74002,"sentiment":"neutral","sentiment_score":-0.007133590057492256}],"sentiment":"neutral","sentiment_score":-0.08120897669522535,"num_words":21,"start":307.72,"end":360.74002},{"sentences":[{"text":"Yeah.","start":365.28,"end":365.78,"sentiment":"neutral","sentiment_score":0.016792554408311844},{"text":"Okay.","start":366.88,"end":367.38,"sentiment":"neutral","sentiment_score":0.02082577720284462},{"text":"And then the car loan on top, which is some somewhere in the infinity about $30.","start":368.64,"end":372.845,"sentiment":"neutral","sentiment_score":0.030258817016147077},{"text":"Right?","start":372.845,"end":373.345,"sentiment":"neutral","sentiment_score":0.017553921788930893},{"text":"Okay.","start":390.24002,"end":390.74002,"sentiment":"neutral","sentiment_score":-0.1386248767375946}],"sentiment":"neutral","sentiment_score":0.0200344224460423,"num_words":20,"start":365.28,"end":390.74002},{"sentences":[{"text":"Yeah.","start":399.28,"end":399.675,"sentiment":"neutral","sentiment_score":-0.08867147564888},{"text":"Okay.","start":402.79498,"end":403.29498,"sentiment":"neutral","sentiment_score":-0.11335952579975128},{"text":"Right.","start":413.75497,"end":414.15,"sentiment":"neutral","sentiment_score":-0.12435908615589142},{"text":"Okay.","start":414.63,"end":415.13,"sentiment":"neutral","sentiment_score":-0.09949421137571336},{"text":"Yep.","start":423.19,"end":423.69,"sentiment":"neutral","sentiment_score":-0.1256302297115326}],"sentiment":"neutral","sentiment_score":-0.11030290573835373,"num_words":5,"start":399.28,"end":423.69},{"sentences":[{"text":"Yep.","start":427.91,"end":428.41,"sentiment":"neutral","sentiment_score":-0.09763973206281662},{"text":"Yeah.","start":428.535,"end":429.035,"sentiment":"neutral","sentiment_score":-0.04723728075623512},{"text":"Not your loan.","start":430.935,"end":436.23502,"sentiment":"neutral","sentiment_score":-0.12157055735588074},{"text":"So if you claim bankruptcy with your name on that car, she the car's gonna go.","start":438.135,"end":443.27,"sentiment":"neutral","sentiment_score":-0.05618519755080342},{"text":"K.","start":445.25,"end":445.75,"sentiment":"neutral","sentiment_score":-0.15117265284061432}],"sentiment":"neutral","sentiment_score":-0.07089656811546195,"num_words":22,"start":427.91,"end":445.75},{"sentences":[{"text":"Okay.","start":461.265,"end":461.765,"sentiment":"neutral","sentiment_score":-0.001797504723072052},{"text":"Fair enough.","start":462.225,"end":463.045,"sentiment":"neutral","sentiment_score":0.00793562550097704},{"text":"Good.","start":468.64,"end":469.14,"sentiment":"neutral","sentiment_score":0.1280996948480606},{"text":"Yep.","start":469.28,"end":469.78,"sentiment":"neutral","sentiment_score":0.057105522602796555},{"text":"Okay.","start":475.28,"end":475.76,"sentiment":"neutral","sentiment_score":0.01883426494896412}],"sentiment":"neutral","sentiment_score":0.03635220477978388,"num_words":6,"start":461.265,"end":475.76},{"sentences":[{"text":"Alright.","start":475.76,"end":476.26,"sentiment":"neutral","sentiment_score":0.021383121609687805},{"text":"So we are we're sitting pretty high.","start":476.32,"end":480.16,"sentiment":"neutral","sentiment_score":-0.08161409252456256},{"text":"Okay.","start":480.16,"end":480.48,"sentiment":"neutral","sentiment_score":0.002785980701446533},{"text":"So what I can do is I I will take note of that.","start":480.48,"end":485.385,"sentiment":"neutral","sentiment_score":0.030749323276373055},{"text":"You're going to see financial counseling tomorrow to declare bankruptcy officially and get assistance with that side of things.","start":485.445,"end":494.58,"sentiment":"neutral","sentiment_score":0.013255199074353042}],"sentiment":"neutral","sentiment_score":0.0025478156010915595,"num_words":41,"start":475.76,"end":494.58},{"sentences":[{"text":"Okay.","start":496.41998,"end":496.91998,"sentiment":"neutral","sentiment_score":0.0838557705283165},{"text":"Yeah.","start":507.53998,"end":507.855,"sentiment":"neutral","sentiment_score":-0.05981810390949249},{"text":"Yeah.","start":518.255,"end":518.755,"sentiment":"neutral","sentiment_score":-0.1821558177471161},{"text":"Yeah.","start":519.295,"end":519.795,"sentiment":"neutral","sentiment_score":-0.2324877381324768},{"text":"Okay.","start":524.02997,"end":524.52997,"sentiment":"neutral","sentiment_score":-0.15736085176467896}],"sentiment":"neutral","sentiment_score":-0.10959334820508956,"num_words":5,"start":496.41998,"end":524.52997},{"sentences":[{"text":"We can definitely do that.","start":535.385,"end":536.765,"sentiment":"neutral","sentiment_score":0.09725513756275177},{"text":"Okay.","start":537.385,"end":537.885,"sentiment":"neutral","sentiment_score":0.10492869466543198},{"text":"That makes sense.","start":538.345,"end":540.365,"sentiment":"neutral","sentiment_score":0.12088844180107117},{"text":"Yeah.","start":548.585,"end":549.085,"sentiment":"neutral","sentiment_score":-0.06293320655822754},{"text":"Just just absolutely affected you and your position moving forward, I guess.","start":550.02,"end":557.4,"sentiment":"neutral","sentiment_score":-0.10868675944705804}],"sentiment":"neutral","sentiment_score":-0.018786573274569077,"num_words":22,"start":535.385,"end":557.4},{"sentences":[{"text":"Yeah.","start":574.645,"end":574.885,"sentiment":"neutral","sentiment_score":0.055386535823345184},{"text":"Alright.","start":574.885,"end":575.385,"sentiment":"neutral","sentiment_score":0.23135726153850555},{"text":"So just really, really, that's a very nice person anyway.","start":575.685,"end":581.49,"sentiment":"positive","sentiment_score":0.5068542987108231},{"text":"Alright.","start":586.27,"end":586.77,"sentiment":"neutral","sentiment_score":0.13421481847763062},{"text":"So I guess what I can do from this point is I will make note of the fact that you're declaring bankruptcy, and I will touch base with you in a few days because when you have your meeting with financial counselor tomorrow to go through what that looks like, whether there's any obligations for because, like, there's there's a couple of different bankruptcy stages.","start":587.15,"end":609.71,"sentiment":"neutral","sentiment_score":0.027754600625485182}],"sentiment":"neutral","sentiment_score":0.09350705953338781,"num_words":78,"start":574.645,"end":609.71},{"sentences":[{"text":"There can be, like, a debt nine agreement where you can basically it's sort of a step before, particularly in bankruptcy, where you would sort of pay back some of the debts in a different sort of way, and you would sort of negotiate with the lenders to pay back some of it.","start":609.77,"end":630.425,"sentiment":"neutral","sentiment_score":0.009021035044120168},{"text":"Oh, okay.","start":637.7,"end":638.68,"sentiment":"neutral","sentiment_score":-0.03553504962474108},{"text":"Yeah.","start":642.34,"end":642.84,"sentiment":"neutral","sentiment_score":-0.06848140060901642},{"text":"Hi.","start":649.105,"end":649.605,"sentiment":"neutral","sentiment_score":-0.0029283948242664337},{"text":"Yeah.","start":651.02496,"end":651.345,"sentiment":"neutral","sentiment_score":0.015785319730639458}],"sentiment":"neutral","sentiment_score":0.006058970385969713,"num_words":58,"start":609.77,"end":651.345},{"sentences":[{"text":"So what time is your meeting with financial counselor tomorrow?","start":651.345,"end":654.94495,"sentiment":"neutral","sentiment_score":0.013900286704301833},{"text":"11:00.","start":654.94495,"end":655.745,"sentiment":"neutral","sentiment_score":0.012619437649846075},{"text":"Alright.","start":655.745,"end":656.245,"sentiment":"neutral","sentiment_score":0.04879751056432724},{"text":"Alright.","start":657.185,"end":657.665,"sentiment":"neutral","sentiment_score":0.06250151991844177},{"text":"So I will give you a call Thursday.","start":657.665,"end":661.14,"sentiment":"neutral","sentiment_score":0.07004445884376764}],"sentiment":"neutral","sentiment_score":0.03920366694884641,"num_words":21,"start":651.345,"end":661.14},{"sentences":[{"text":"I'm I'm I'm fully booked tomorrow anyway.","start":661.32,"end":663.36,"sentiment":"neutral","sentiment_score":0.03394638853413718},{"text":"So I'll give you a call Thursday and touch base with you, see how you go with the financial counselor, and I should be able to go through and we can get this document signed at that time as well so I can get it all implemented.","start":663.36,"end":673.77997,"sentiment":"neutral","sentiment_score":0.1453080415091616},{"text":"Changing changing the assets in the super fund isn't gonna affect you declaring bankruptcy.","start":674.585,"end":680.36505,"sentiment":"neutral","sentiment_score":-0.012436752207577229},{"text":"That's separate entities.","start":680.505,"end":683.085,"sentiment":"neutral","sentiment_score":-0.012092231151958307},{"text":"But I still wanna get the changes made to the super fund so we can keep accumulating wealth on this side versus anything else.","start":685.22504,"end":694.51996,"sentiment":"neutral","sentiment_score":0.05461346350299815}],"sentiment":"neutral","sentiment_score":0.08597299547767953,"num_words":95,"start":661.32,"end":694.51996},{"sentences":[{"text":"One of the things like, the financial counselor will look at, like, you I just wanna double check because I don't have any notes for it or any indication that you do.","start":695.06,"end":707.455,"sentiment":"neutral","sentiment_score":-0.06440189090790227},{"text":"You don't salary sacrifice or anything like that into your super fund.","start":707.455,"end":710.015,"sentiment":"neutral","sentiment_score":-0.17189701336125532},{"text":"Like, you haven't started doing it.","start":710.015,"end":712.115,"sentiment":"neutral","sentiment_score":-0.1035493512948354},{"text":"You don't salary sacrifice or salary package anywhere?","start":714.65497,"end":718.06006,"sentiment":"neutral","sentiment_score":-0.09138436801731586},{"text":"No.","start":718.2,"end":718.44,"sentiment":"neutral","sentiment_score":-0.18706539273262024}],"sentiment":"neutral","sentiment_score":-0.09598408667844231,"num_words":59,"start":695.06,"end":718.44},{"sentences":[{"text":"Cool.","start":718.44,"end":718.94,"sentiment":"neutral","sentiment_score":-0.0538882315158844},{"text":"Yeah.","start":719.4,"end":719.72003,"sentiment":"neutral","sentiment_score":-0.03768189251422882},{"text":"Because that's one of the things that that, generally, the financial council will look at.","start":719.72003,"end":723.74005,"sentiment":"neutral","sentiment_score":-0.12812571004033088},{"text":"So I just wanted to double 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okay.","start":730.535,"end":731.435,"sentiment":"neutral","sentiment_score":-0.030487053096294403},{"text":"Perfect.","start":735.575,"end":736.075,"sentiment":"neutral","sentiment_score":0.011079743504524233}],"sentiment":"neutral","sentiment_score":-0.02391166239976883,"num_words":6,"start":726.36005,"end":736.075},{"sentences":[{"text":"No.","start":736.135,"end":736.635,"sentiment":"neutral","sentiment_score":-0.06124834716320038},{"text":"Amazing.","start":736.695,"end":737.195,"sentiment":"neutral","sentiment_score":0.12438105791807176},{"text":"I will alright.","start":737.575,"end":738.615,"sentiment":"neutral","sentiment_score":0.14483316242694855},{"text":"I'll get cracking on this side, get the advice document updated, and touch base with you again on Thursday.","start":738.615,"end":746.62994,"sentiment":"neutral","sentiment_score":0.14022951886842125},{"text":"Okay?","start":746.62994,"end":747.12994,"sentiment":"neutral","sentiment_score":0.09331570565700532}],"sentiment":"neutral","sentiment_score":0.13021235048770904,"num_words":25,"start":736.135,"end":747.12994},{"sentences":[{"text":"Perfect.","start":749.50995,"end":750.00995,"sentiment":"neutral","sentiment_score":0.3108765184879303},{"text":"Alright.","start":750.47,"end":750.97,"sentiment":"neutral","sentiment_score":0.16019126772880554},{"text":"I will let let let you go for the afternoon, and I'll speak to you again Thursday.","start":751.18994,"end":756.32996,"sentiment":"neutral","sentiment_score":0.09278660837341757},{"text":"Are you okay with sort of same time?","start":756.38995,"end":758.755,"sentiment":"neutral","sentiment_score":0.040696499636396766},{"text":"If I call you Thursday oh, sorry.","start":758.755,"end":761.015,"sentiment":"neutral","sentiment_score":0.009866595733910799}],"sentiment":"neutral","sentiment_score":0.07185524399392307,"num_words":34,"start":749.50995,"end":761.015},{"sentences":[{"text":"I should look at my calendar.","start":761.235,"end":762.53503,"sentiment":"neutral","sentiment_score":0.03731832435975472},{"text":"Would you be okay if I call you in the morning?","start":763.235,"end":765.255,"sentiment":"neutral","sentiment_score":0.03203691474416039},{"text":"My evening's looking pretty chunky Thursday.","start":765.795,"end":768.375,"sentiment":"neutral","sentiment_score":-0.04443036361287037},{"text":"Yep.","start":772.755,"end":773.07,"sentiment":"neutral","sentiment_score":0.04774763435125351},{"text":"Always.","start":773.79,"end":774.29,"sentiment":"neutral","sentiment_score":0.0516587495803833}],"sentiment":"neutral","sentiment_score":0.016365608423948286,"num_words":25,"start":761.235,"end":774.29},{"sentences":[{"text":"Yep.","start":782.35004,"end":782.85004,"sentiment":"neutral","sentiment_score":0.023924028500914577},{"text":"Yeah.","start":784.99,"end":785.47003,"sentiment":"neutral","sentiment_score":-0.0043807197362184525},{"text":"No.","start":785.47003,"end":785.71,"sentiment":"neutral","sentiment_score":-0.02180713601410389},{"text":"Absolutely.","start":785.71,"end":786.21,"sentiment":"neutral","sentiment_score":0.049930088222026825},{"text":"Perfect.","start":790.115,"end":790.435,"sentiment":"positive","sentiment_score":0.5390819907188416}],"sentiment":"neutral","sentiment_score":0.11734965033829212,"num_words":5,"start":782.35004,"end":790.435},{"sentences":[{"text":"Alright.","start":790.435,"end":790.675,"sentiment":"neutral","sentiment_score":0.2872326374053955},{"text":"Well, you go do that, and I will talk to you Thursday morning.","start":790.675,"end":793.65497,"sentiment":"neutral","sentiment_score":0.3106656429859308},{"text":"Thanks, Tim.","start":795.075,"end":795.875,"sentiment":"positive","sentiment_score":0.7206926345825195},{"text":"Bye.","start":795.875,"end":796.375,"sentiment":"positive","sentiment_score":0.5595447421073914}],"sentiment":"positive","sentiment_score":0.37216564749970155,"num_words":17,"start":790.435,"end":796.375}]}}]},{"alternatives":[{"transcript":"Hello? You rang me yesterday. Yeah. Uh-huh. Steven. Twenty six eleven ninety three and seven six Street, Western, New Smyrna twenty three twenty six. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. I don't know because it's been I'm back doing tires again truck tires again. So it'll be over 100 because I made over a 100. I ended ended up making over 100 last year. So And doing this and doing this, I'll make more because I've got payroll as well. So no. It's it's all over the place because it's minimum forty hours, and I'm $45 now at the moment. So and sometimes I'm getting $3,000 a hand. Depends if I get the call out because I'll get $250 for a per call out. Yeah. It's it's all over the place because I'm on call every second week, so it's up and down. So so so minimum minimum a 100,000 for the year. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Because I'm I'm ready to clear up some funds tomorrow or hopefully tomorrow anyway because I'm sending financial cancel tomorrow to claim bankruptcy. So just just yeah. Just just because like, I'm still we're we're after the ex cheated, I'm still paying for all the stuff that she thought. I don't have any of it. It's gonna take me, like, seven years to pay it's gonna take me seven years to pay this stuff off. Where if I claim bankruptcy, it's only three years, and then that extra money's in my end every week. Should buy whatever I need. Where at the moment at the moment, I'm struggling, and it's gonna take seven years to pay all that stuff off. So That's that's her problem because that that that that's in her name. It's in both her names, but the yep. I don't I my card's paid off now. Yeah. Yeah. I think it's a $20,000 line not long ago. I was well, probably, you know, a year ago now. Yeah. I have to roll some of the stuff into one and yeah. I was with someone at that time and bought her a car, and then she got a car out of me after a couple of months. So it's not enough. Yes. Well, the credit credit card the credit card is nearly maxed out at the moment. That's that's $7. So the $20,000 personal loan, the credit card I've got my credit card that I've done originally started with, which is just a $500 limit on that one, and then just mostly other stuff. So I got my own business as well, but it's not registered and stuff. But we've got PayPal and stuff. Customers, there's debt there for PayPal, not because of customers. We fund getting refunds, Rob, and I was about to send their stuff. So so lucky I didn't send the stuff overseas because he would end up with the stuff and and all that ended up with no money. So yeah. The name of PayPal is, like, $4 in debt because of that. Yeah. Yeah. I don't know where her where her car line is at the moment because my car's my car's I'm not sure where her car is because I'm we've it's been, like, twenty months or something since she cheated. And yeah. So I don't know where where it's at. It was she was well, I did tell them to take a car off her because she was, like, $3 behind on payments, and they're ringing me for it. I'm like, you know where the car is gonna take it. But she sorted that out now. She's sorted that out. So, yeah, I don't know what's going on. So I don't know where she does it. She she just she just paid the minimum payments for everything. So she's she's stupid. She pays the maximum for everything. And my financial account, the last time I've seen them, they will send a letter off to Saint George or whoever the company is now because Saint George is not around anymore to get one to see if they could take my name off their vehicle anyway just because, like, we haven't been together and she's got the car, and it was in both our names. So yeah. Oh, no. Yeah. She's trying to get another car at the moment. Oh, they've just sold the girl that she paid on me was she just bought I think they've just sold his been sold his BMW, and they were gonna get a a u. So they'll have one car and that back for a motorbike each. So And and we're still married because she fucked up on the divorce papers. So yeah. Yeah. Yep. Yep. Yep. Thanks. Because I because I cleared up funds for me, though I don't need to get loans to get anything in. It's just I'm just paying everything that she owns because I don't even have the jack. Like, I she even kept my jack. Like, I my business is cast up, and she kept the jack and everything. So but she's got everything. So I'm I'm paying for it all because she could never get loans. And I've been trying since to buy another car since since she cheated on me, and they haven't been successful. So that's probably because of her. I don't know. But yeah. I just want all that debt out of my name. Yeah. They all need a fresh start since she's the one that put me in that much debt, and then then she's done all this. And when I came up for my sister's birthday, I didn't realize the weekend was gonna be so full long. We just didn't have time to go anywhere or do another one. You wanna come to Queensland? Oh, Yep. Yep. Yep. Yeah. Yeah. Well, she one of the one of the one of the loans she got to she dropped it, so it's no interest because it but it was, like, 47% interest. So yeah. She you stopped the interest on that the first time I say no. Because that yeah. Another another thing. 11:00 tomorrow. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. What was that? No. No. No. No. No. No. Yeah. Yeah. Yeah. I'm I'm starting that after once I'm gonna spend money. My my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my Yep. Okay. Yep. Yeah. It should be it should be right. Yeah. Yeah. That should be right. You can try. Yes. Just just because of what I do, like, I sometimes I can't hear it because I go about at least the compressor's quiet on this truck. Will I get my truck back? Hopefully, tomorrow. And then when I come to the and stuff, day. Yeah. Actually, it's gonna cancel. Just ring me right now. Yep. Okay. Thanks. 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You rang me yesterday. Yeah. Uh-huh. Steven.\n\nTwenty six eleven ninety three and seven six Street, Western, New Smyrna twenty three twenty six. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. I don't know because it's been I'm back doing tires again truck tires again.\n\nSo it'll be over 100 because I made over a 100. I ended ended up making over 100 last year. So And doing this and doing this, I'll make more because I've got payroll as well. So no. It's it's all over the place because it's minimum forty hours, and I'm $45 now at the moment.\n\nSo and sometimes I'm getting $3,000 a hand. Depends if I get the call out because I'll get $250 for a per call out. Yeah. It's it's all over the place because I'm on call every second week, so it's up and down. So so so minimum minimum a 100,000 for the year.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. Because I'm I'm ready to clear up some funds tomorrow or hopefully tomorrow anyway because I'm sending financial cancel tomorrow to claim bankruptcy. So just just yeah. Just just because like, I'm still we're we're after the ex cheated, I'm still paying for all the stuff that she thought.\n\nI don't have any of it. It's gonna take me, like, seven years to pay it's gonna take me seven years to pay this stuff off. Where if I claim bankruptcy, it's only three years, and then that extra money's in my end every week. Should buy whatever I need. Where at the moment at the moment, I'm struggling, and it's gonna take seven years to pay all that stuff off.\n\nSo That's that's her problem because that that that that's in her name. It's in both her names, but the yep. I don't I my card's paid off now. Yeah. Yeah.\n\nI think it's a $20,000 line not long ago. I was well, probably, you know, a year ago now. Yeah. I have to roll some of the stuff into one and yeah. I was with someone at that time and bought her a car, and then she got a car out of me after a couple of months.\n\nSo it's not enough. Yes. Well, the credit credit card the credit card is nearly maxed out at the moment. That's that's $7. So the $20,000 personal loan, the credit card I've got my credit card that I've done originally started with, which is just a $500 limit on that one, and then just mostly other stuff.\n\nSo I got my own business as well, but it's not registered and stuff. But we've got PayPal and stuff. Customers, there's debt there for PayPal, not because of customers. We fund getting refunds, Rob, and I was about to send their stuff. So so lucky I didn't send the stuff overseas because he would end up with the stuff and and all that ended up with no money.\n\nSo yeah. The name of PayPal is, like, $4 in debt because of that. Yeah. Yeah. I don't know where her where her car line is at the moment because my car's my car's I'm not sure where her car is because I'm we've it's been, like, twenty months or something since she cheated.\n\nAnd yeah. So I don't know where where it's at. It was she was well, I did tell them to take a car off her because she was, like, $3 behind on payments, and they're ringing me for it. I'm like, you know where the car is gonna take it. But she sorted that out now.\n\nShe's sorted that out. So, yeah, I don't know what's going on. So I don't know where she does it. She she just she just paid the minimum payments for everything. So she's she's stupid.\n\nShe pays the maximum for everything. And my financial account, the last time I've seen them, they will send a letter off to Saint George or whoever the company is now because Saint George is not around anymore to get one to see if they could take my name off their vehicle anyway just because, like, we haven't been together and she's got the car, and it was in both our names. So yeah. Oh, no. Yeah.\n\nShe's trying to get another car at the moment. Oh, they've just sold the girl that she paid on me was she just bought I think they've just sold his been sold his BMW, and they were gonna get a a u. So they'll have one car and that back for a motorbike each. So And and we're still married because she fucked up on the divorce papers. So yeah.\n\nYeah. Yep. Yep. Yep. Thanks.\n\nBecause I because I cleared up funds for me, though I don't need to get loans to get anything in. It's just I'm just paying everything that she owns because I don't even have the jack. Like, I she even kept my jack. Like, I my business is cast up, and she kept the jack and everything. So but she's got everything.\n\nSo I'm I'm paying for it all because she could never get loans. And I've been trying since to buy another car since since she cheated on me, and they haven't been successful. So that's probably because of her. I don't know. But yeah.\n\nI just want all that debt out of my name. Yeah. They all need a fresh start since she's the one that put me in that much debt, and then then she's done all this. And when I came up for my sister's birthday, I didn't realize the weekend was gonna be so full long. We just didn't have time to go anywhere or do another one.\n\nYou wanna come to Queensland? Oh, Yep. Yep. Yep. Yeah.\n\nYeah. Well, she one of the one of the one of the loans she got to she dropped it, so it's no interest because it but it was, like, 47% interest. So yeah. She you stopped the interest on that the first time I say no. Because that yeah.\n\nAnother another thing. 11:00 tomorrow. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nWhat was that? No. No. No. No.\n\nNo. No. Yeah. Yeah. Yeah.\n\nI'm I'm starting that after once I'm gonna spend money. My my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my Yep. Okay. Yep. Yeah.\n\nIt should be it should be right. Yeah. Yeah. That should be right. You can try.\n\nYes. Just just because of what I do, like, I sometimes I can't hear it because I go about at least the compressor's quiet on this truck. Will I get my truck back? Hopefully, tomorrow. And then when I come to the and stuff, day.\n\nYeah. Actually, it's gonna cancel. Just ring me right now. Yep. Okay.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.02941296249628067},{"text":"You rang me yesterday.","start":21.065,"end":22.045,"sentiment":"neutral","sentiment_score":0.17913149669766426},{"text":"Yeah.","start":26.904999,"end":27.36,"sentiment":"neutral","sentiment_score":0.09491721540689468},{"text":"Uh-huh.","start":28.560001,"end":29.060001,"sentiment":"neutral","sentiment_score":0.10329103469848631},{"text":"Steven.","start":41.405,"end":41.905,"sentiment":"neutral","sentiment_score":0.006475874222815037}],"sentiment":"neutral","sentiment_score":0.11882788420189172,"num_words":8,"start":1.52,"end":41.905},{"sentences":[{"text":"Twenty six eleven ninety three and seven six Street, Western, New Smyrna twenty three twenty 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don't know because it's been I'm back doing tires again truck tires again.","start":109.25,"end":112.69,"sentiment":"neutral","sentiment_score":-0.03321440810603755}],"sentiment":"neutral","sentiment_score":-0.017212992689261835,"num_words":18,"start":80.65501,"end":112.69},{"sentences":[{"text":"So it'll be over 100 because I made over a 100.","start":112.69,"end":116.29,"sentiment":"neutral","sentiment_score":0.035426715050231324},{"text":"I ended ended up making over 100 last year.","start":116.29,"end":118.630005,"sentiment":"neutral","sentiment_score":0.09057046969731648},{"text":"So And doing this and doing this, I'll make more because I've got payroll as well.","start":120.850006,"end":127.145,"sentiment":"neutral","sentiment_score":0.2078835153952241},{"text":"So no.","start":127.785,"end":130.565,"sentiment":"neutral","sentiment_score":-0.012922304682433605},{"text":"It's it's all over the place because it's minimum forty hours, and I'm $45 now at the 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I'm I'm ready to clear up some funds tomorrow or hopefully tomorrow anyway because I'm sending financial cancel tomorrow to claim bankruptcy.","start":213.825,"end":220.08,"sentiment":"neutral","sentiment_score":-0.13582685703168745},{"text":"So just just yeah.","start":220.22,"end":226.56,"sentiment":"neutral","sentiment_score":-0.06006515026092529},{"text":"Just just because like, I'm still we're we're after the ex cheated, I'm still paying for all the stuff that she thought.","start":226.94,"end":232.46501,"sentiment":"negative","sentiment_score":-0.3647146434946494}],"sentiment":"neutral","sentiment_score":-0.22193114240379894,"num_words":51,"start":209.105,"end":232.46501},{"sentences":[{"text":"I don't have any of it.","start":232.46501,"end":233.345,"sentiment":"negative","sentiment_score":-0.5869049231211344},{"text":"It's gonna take me, like, seven years to pay it's gonna take me seven years to pay this stuff 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stuff into one and yeah.","start":295.125,"end":298.17,"sentiment":"neutral","sentiment_score":-0.1760401769230763},{"text":"I was with someone at that time and bought her a car, and then she got a car out of me after a couple of months.","start":298.49002,"end":302.43002,"sentiment":"neutral","sentiment_score":-0.16207453751793274}],"sentiment":"neutral","sentiment_score":-0.13830867152789544,"num_words":58,"start":285.845,"end":302.43002},{"sentences":[{"text":"So it's not enough.","start":304.01,"end":304.99002,"sentiment":"negative","sentiment_score":-0.33598901331424713},{"text":"Yes.","start":306.33002,"end":306.83002,"sentiment":"neutral","sentiment_score":-0.09305692464113235},{"text":"Well, the credit credit card the credit card is nearly maxed out at the moment.","start":311.11502,"end":315.595,"sentiment":"negative","sentiment_score":-0.3375402400890986},{"text":"That's that's $7.","start":315.595,"end":316.89502,"sentiment":"neutral","sentiment_score":-0.2352270483970642},{"text":"So the $20,000 personal loan, the credit card I've got my credit card that I've done originally started with, which is just a $500 limit on that one, and then just mostly other stuff.","start":317.515,"end":335.925,"sentiment":"neutral","sentiment_score":0.02919112397905658}],"sentiment":"neutral","sentiment_score":-0.10900525454627841,"num_words":57,"start":304.01,"end":335.925},{"sentences":[{"text":"So I got my own business as well, but it's not registered and stuff.","start":338.245,"end":343.125,"sentiment":"neutral","sentiment_score":0.011779449946646179},{"text":"But we've got PayPal and stuff.","start":343.125,"end":345.925,"sentiment":"neutral","sentiment_score":-0.030071554705500603},{"text":"Customers, there's debt there for PayPal, not because of customers.","start":345.925,"end":350.585,"sentiment":"neutral","sentiment_score":-0.05214094743132591},{"text":"We fund getting refunds, Rob, and I was about to send their stuff.","start":351.16998,"end":354.21,"sentiment":"neutral","sentiment_score":-0.016753974728859387},{"text":"So so lucky I didn't send the stuff overseas because he would end up with the stuff and and all that ended up with no money.","start":354.21,"end":359.99,"sentiment":"neutral","sentiment_score":-0.1251778485110173}],"sentiment":"neutral","sentiment_score":-0.058106554145722286,"num_words":69,"start":338.245,"end":359.99},{"sentences":[{"text":"So yeah.","start":361.72998,"end":362.21,"sentiment":"neutral","sentiment_score":-0.029006822034716606},{"text":"The name of PayPal is, like, $4 in debt because of that.","start":362.21,"end":364.87,"sentiment":"neutral","sentiment_score":-0.0417139045894146},{"text":"Yeah.","start":374.075,"end":374.39502,"sentiment":"neutral","sentiment_score":-0.0071626631543040276},{"text":"Yeah.","start":374.39502,"end":374.47504,"sentiment":"neutral","sentiment_score":-0.0536549873650074},{"text":"I don't know where her where her car line is at the moment because my car's my car's I'm not sure where her car is because I'm we've it's been, like, twenty months or something since she cheated.","start":374.47504,"end":386.90997,"sentiment":"neutral","sentiment_score":-0.18178463315493182}],"sentiment":"neutral","sentiment_score":-0.13939285573239127,"num_words":54,"start":361.72998,"end":386.90997},{"sentences":[{"text":"And yeah.","start":387.76996,"end":389.61,"sentiment":"neutral","sentiment_score":-0.1491982489824295},{"text":"So I don't know where where it's at.","start":389.61,"end":391.155,"sentiment":"neutral","sentiment_score":-0.1344861276447773},{"text":"It was she was well, I did tell them to take a car off her because she was, like, $3 behind on payments, and they're ringing me for it.","start":391.155,"end":396.71497,"sentiment":"neutral","sentiment_score":-0.2768245521804382},{"text":"I'm like, you know where the car is gonna take it.","start":396.71497,"end":398.69498,"sentiment":"neutral","sentiment_score":-0.19441009922461075},{"text":"But she sorted that out now.","start":398.75497,"end":400.115,"sentiment":"neutral","sentiment_score":-0.12117468565702438}],"sentiment":"neutral","sentiment_score":-0.2190670846030116,"num_words":56,"start":387.76996,"end":400.115},{"sentences":[{"text":"She's sorted that out.","start":400.115,"end":401.155,"sentiment":"neutral","sentiment_score":-0.10715169459581375},{"text":"So, yeah, I don't know what's going on.","start":401.155,"end":405.47998,"sentiment":"neutral","sentiment_score":-0.19412773847579956},{"text":"So I don't know where she does it.","start":406.02,"end":407.13998,"sentiment":"neutral","sentiment_score":-0.2456344161182642},{"text":"She she just she just paid the minimum payments for everything.","start":407.13998,"end":409.3,"sentiment":"negative","sentiment_score":-0.3390407210046595},{"text":"So she's she's stupid.","start":409.3,"end":410.18,"sentiment":"negative","sentiment_score":-0.5302719920873642}],"sentiment":"neutral","sentiment_score":-0.2799211404153279,"num_words":35,"start":400.115,"end":410.18},{"sentences":[{"text":"She pays the maximum for everything.","start":410.18,"end":411.63998,"sentiment":"negative","sentiment_score":-0.44982635974884033},{"text":"And my financial account, the last time I've seen them, they will send a letter off to Saint George or whoever the company is now because Saint George is not around anymore to get one to see if they could take my name off their vehicle anyway just because, like, we haven't been together and she's got the car, and it was in both our names.","start":415.06,"end":435.41,"sentiment":"neutral","sentiment_score":-0.18034040242094884},{"text":"So yeah.","start":435.41,"end":436.22998,"sentiment":"neutral","sentiment_score":-0.028967305086553097},{"text":"Oh, no.","start":443.97,"end":444.28998,"sentiment":"neutral","sentiment_score":-0.08616998046636581},{"text":"Yeah.","start":444.28998,"end":444.69,"sentiment":"neutral","sentiment_score":-0.08612633496522903}],"sentiment":"neutral","sentiment_score":-0.19373799512138615,"num_words":77,"start":410.18,"end":444.69},{"sentences":[{"text":"She's trying to get another car at the moment.","start":444.69,"end":446.28998,"sentiment":"neutral","sentiment_score":-0.14741051942110062},{"text":"Oh, they've just sold the girl that she paid on me was she just bought I think they've just sold his been sold his BMW, and they were gonna get a a u.","start":446.28998,"end":455.325,"sentiment":"neutral","sentiment_score":-0.05707057057456537},{"text":"So they'll have one car and that back for a motorbike each.","start":455.325,"end":457.565,"sentiment":"neutral","sentiment_score":-0.04304990079253912},{"text":"So And and we're still married because she fucked up on the divorce papers.","start":457.565,"end":466.68,"sentiment":"neutral","sentiment_score":-0.16877410893461534},{"text":"So yeah.","start":469.78,"end":471.96,"sentiment":"neutral","sentiment_score":0.047590963542461395}],"sentiment":"neutral","sentiment_score":-0.08563254158943892,"num_words":70,"start":444.69,"end":471.96},{"sentences":[{"text":"Yeah.","start":486.035,"end":486.535,"sentiment":"neutral","sentiment_score":0.018224112689495087},{"text":"Yep.","start":492.35,"end":492.85,"sentiment":"neutral","sentiment_score":0.014789937064051628},{"text":"Yep.","start":494.66998,"end":494.91,"sentiment":"neutral","sentiment_score":0.06290335208177567},{"text":"Yep.","start":494.91,"end":495.22998,"sentiment":"neutral","sentiment_score":0.1094033345580101},{"text":"Thanks.","start":495.22998,"end":495.72998,"sentiment":"neutral","sentiment_score":0.2822786569595337}],"sentiment":"neutral","sentiment_score":0.09751987867057324,"num_words":5,"start":486.035,"end":495.72998},{"sentences":[{"text":"Because I because I cleared up funds for me, though I don't need to get loans to get anything in.","start":496.59,"end":500.03,"sentiment":"neutral","sentiment_score":-0.015569431334733966},{"text":"It's just I'm just paying everything that she owns because I don't even have the jack.","start":500.03,"end":503.22998,"sentiment":"neutral","sentiment_score":-0.10191538790240884},{"text":"Like, I she even kept my jack.","start":503.22998,"end":505.065,"sentiment":"neutral","sentiment_score":-0.1278552742941039},{"text":"Like, I my business is cast up, and she kept the jack and everything.","start":505.065,"end":507.945,"sentiment":"neutral","sentiment_score":-0.12371956557035446},{"text":"So but she's got everything.","start":507.945,"end":511.385,"sentiment":"neutral","sentiment_score":-0.17187773883342744}],"sentiment":"neutral","sentiment_score":-0.08755619944103303,"num_words":62,"start":496.59,"end":511.385},{"sentences":[{"text":"So I'm I'm paying for it all because she could never get loans.","start":511.385,"end":514.445,"sentiment":"negative","sentiment_score":-0.3426605761051178},{"text":"And I've been trying since to buy another car since since she cheated on me, and they haven't been successful.","start":515.145,"end":520.55,"sentiment":"neutral","sentiment_score":-0.30429666191339494},{"text":"So that's probably because of her.","start":520.61,"end":522.68994,"sentiment":"negative","sentiment_score":-0.3990393380324046},{"text":"I don't know.","start":522.68994,"end":523.58997,"sentiment":"neutral","sentiment_score":-0.2795979082584381},{"text":"But yeah.","start":526.69,"end":527.51,"sentiment":"neutral","sentiment_score":-0.16564688086509705}],"sentiment":"neutral","sentiment_score":-0.32056464187123557,"num_words":44,"start":511.385,"end":527.51},{"sentences":[{"text":"I just want all that debt out of my name.","start":528.76996,"end":531.195,"sentiment":"neutral","sentiment_score":-0.3036473304033279},{"text":"Yeah.","start":541.275,"end":541.775,"sentiment":"neutral","sentiment_score":-0.023823339492082596},{"text":"They all need a fresh start since she's the one that put me in that much debt, and then then she's done all this.","start":542.47504,"end":547.77997,"sentiment":"neutral","sentiment_score":-0.3141192241261403},{"text":"And when I came up for my sister's birthday, I didn't realize the weekend was gonna be so full long.","start":560.085,"end":563.365,"sentiment":"neutral","sentiment_score":-0.3078118056058884},{"text":"We just didn't have time to go anywhere or do another one.","start":563.365,"end":565.54504,"sentiment":"neutral","sentiment_score":-0.31313596790035564}],"sentiment":"neutral","sentiment_score":-0.3061645634249965,"num_words":67,"start":528.76996,"end":565.54504},{"sentences":[{"text":"You wanna come to Queensland?","start":569.28503,"end":570.34503,"sentiment":"neutral","sentiment_score":-0.03265915140509605},{"text":"Oh, Yep.","start":572.16504,"end":593.685,"sentiment":"neutral","sentiment_score":0.04021369107067585},{"text":"Yep.","start":609.38,"end":609.54004,"sentiment":"neutral","sentiment_score":0.024876940995454788},{"text":"Yep.","start":609.54004,"end":610.04004,"sentiment":"neutral","sentiment_score":0.031244924291968346},{"text":"Yeah.","start":624.595,"end":625.095,"sentiment":"neutral","sentiment_score":0.019965145736932755}],"sentiment":"neutral","sentiment_score":-0.0006781363859772682,"num_words":10,"start":569.28503,"end":625.095},{"sentences":[{"text":"Yeah.","start":629.07495,"end":629.315,"sentiment":"neutral","sentiment_score":-0.005553102120757103},{"text":"Well, she one of the one of the one of the loans she got to she dropped it, so it's no interest because it but it was, like, 47% interest.","start":629.315,"end":636.00995,"sentiment":"neutral","sentiment_score":-0.0734173746779561},{"text":"So yeah.","start":638.06995,"end":638.97,"sentiment":"neutral","sentiment_score":-0.046115145087242126},{"text":"She you stopped the interest on that the first time I say no.","start":639.11,"end":641.93,"sentiment":"neutral","sentiment_score":-0.19915248740177888},{"text":"Because that yeah.","start":645.635,"end":647.09503,"sentiment":"neutral","sentiment_score":-0.06468760222196579}],"sentiment":"neutral","sentiment_score":-0.10374183215352954,"num_words":49,"start":629.07495,"end":647.09503},{"sentences":[{"text":"Another another thing.","start":648.515,"end":649.97504,"sentiment":"neutral","sentiment_score":-0.0022342518592874208},{"text":"11:00 tomorrow.","start":653.715,"end":654.85504,"sentiment":"neutral","sentiment_score":0.016768408939242363},{"text":"Yep.","start":669.12,"end":669.36,"sentiment":"neutral","sentiment_score":0.08664427697658539},{"text":"Yep.","start":669.36,"end":669.51746,"sentiment":"neutral","sentiment_score":0.0849251076579094},{"text":"Yep.","start":669.51746,"end":669.675,"sentiment":"neutral","sentiment_score":0.11895352602005003}],"sentiment":"neutral","sentiment_score":0.03966962161939591,"num_words":8,"start":648.515,"end":669.675},{"sentences":[{"text":"Yep.","start":683.515,"end":683.755,"sentiment":"neutral","sentiment_score":0.01798258163034916},{"text":"Yep.","start":683.755,"end":683.995,"sentiment":"neutral","sentiment_score":0.05425071716308594},{"text":"Yep.","start":683.995,"end":684.495,"sentiment":"neutral","sentiment_score":0.05119588226079941},{"text":"Yep.","start":689.91,"end":690.41,"sentiment":"neutral","sentiment_score":0.052727460861206055},{"text":"Yep.","start":692.31,"end":692.81,"sentiment":"neutral","sentiment_score":0.025210920721292496}],"sentiment":"neutral","sentiment_score":0.04027351252734661,"num_words":5,"start":683.515,"end":692.81},{"sentences":[{"text":"What was that?","start":713.375,"end":714.18,"sentiment":"neutral","sentiment_score":-0.05999033401409785},{"text":"No.","start":716.89996,"end":717.14,"sentiment":"neutral","sentiment_score":-0.11202732473611832},{"text":"No.","start":717.14,"end":717.38,"sentiment":"neutral","sentiment_score":-0.10627566277980804},{"text":"No.","start":717.38,"end":717.88,"sentiment":"neutral","sentiment_score":-0.11940009146928789},{"text":"No.","start":718.02,"end":718.52,"sentiment":"neutral","sentiment_score":-0.16997233033180237}],"sentiment":"neutral","sentiment_score":-0.09823520162275859,"num_words":7,"start":713.375,"end":718.52},{"sentences":[{"text":"No.","start":719.94,"end":720.44,"sentiment":"neutral","sentiment_score":-0.16477374732494354},{"text":"No.","start":724.02,"end":724.1,"sentiment":"neutral","sentiment_score":-0.11973340809345244},{"text":"Yeah.","start":724.1,"end":724.26,"sentiment":"neutral","sentiment_score":-0.050699517130851746},{"text":"Yeah.","start":724.26,"end":724.76,"sentiment":"neutral","sentiment_score":-0.03691279515624046},{"text":"Yeah.","start":725.94,"end":726.02,"sentiment":"neutral","sentiment_score":0.054859112948179245}],"sentiment":"neutral","sentiment_score":-0.0634520709514618,"num_words":5,"start":719.94,"end":726.02},{"sentences":[{"text":"I'm I'm starting that after once I'm gonna spend money.","start":726.02,"end":728.52,"sentiment":"neutral","sentiment_score":0.03092799838632345},{"text":"My my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my Yep.","start":730.47504,"end":744.83,"sentiment":"neutral","sentiment_score":-0.026666549137896962},{"text":"Okay.","start":747.53,"end":748.03,"sentiment":"neutral","sentiment_score":0.15949389338493347},{"text":"Yep.","start":754.73004,"end":755.23004,"sentiment":"neutral","sentiment_score":0.079246886074543},{"text":"Yeah.","start":761.14496,"end":761.545,"sentiment":"neutral","sentiment_score":0.041932590305805206}],"sentiment":"neutral","sentiment_score":-0.007551886027260702,"num_words":49,"start":726.02,"end":761.545},{"sentences":[{"text":"It should be it should be right.","start":761.545,"end":762.58496,"sentiment":"neutral","sentiment_score":0.05597068475825446},{"text":"Yeah.","start":762.58496,"end":762.745,"sentiment":"neutral","sentiment_score":0.04757500812411308},{"text":"Yeah.","start":762.745,"end":762.90497,"sentiment":"neutral","sentiment_score":0.0616975761950016},{"text":"That should be right.","start":762.90497,"end":763.885,"sentiment":"neutral","sentiment_score":0.08062684535980225},{"text":"You can try.","start":770.46,"end":771.68,"sentiment":"neutral","sentiment_score":0.008391313254833221}],"sentiment":"neutral","sentiment_score":0.053046793676912785,"num_words":16,"start":761.545,"end":771.68},{"sentences":[{"text":"Yes.","start":773.9,"end":774.3,"sentiment":"neutral","sentiment_score":0.04074184224009514},{"text":"Just just because of what I do, like, I sometimes I can't hear it because I go about at least the compressor's quiet on this truck.","start":774.3,"end":779.58,"sentiment":"neutral","sentiment_score":-0.06944129436921614},{"text":"Will I get my truck back?","start":779.58,"end":780.62,"sentiment":"neutral","sentiment_score":-0.00031183411677678457},{"text":"Hopefully, tomorrow.","start":780.62,"end":781.52,"sentiment":"neutral","sentiment_score":0.047083910554647446},{"text":"And then when I come to the and stuff, day.","start":781.9,"end":784.445,"sentiment":"neutral","sentiment_score":0.01649006437510252}],"sentiment":"neutral","sentiment_score":-0.03350076335999701,"num_words":45,"start":773.9,"end":784.445},{"sentences":[{"text":"Yeah.","start":785.705,"end":786.185,"sentiment":"neutral","sentiment_score":0.0497407540678978},{"text":"Actually, it's gonna cancel.","start":786.185,"end":787.385,"sentiment":"negative","sentiment_score":-0.4350757896900177},{"text":"Just ring me right now.","start":787.385,"end":788.445,"sentiment":"neutral","sentiment_score":-0.2208554521203041},{"text":"Yep.","start":792.185,"end":792.685,"sentiment":"neutral","sentiment_score":0.1675897091627121},{"text":"Okay.","start":793.865,"end":794.265,"sentiment":"neutral","sentiment_score":0.2403062134981155}],"sentiment":"neutral","sentiment_score":-0.19891197855273882,"num_words":12,"start":785.705,"end":794.265},{"sentences":[{"text":"Thanks.","start":794.265,"end":794.765,"sentiment":"positive","sentiment_score":0.7405358552932739},{"text":"Bye.","start":796.665,"end":797.165,"sentiment":"neutral","sentiment_score":-0.117390014231205}],"sentiment":"neutral","sentiment_score":0.31157292053103447,"num_words":2,"start":794.265,"end":797.165}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Steven Larissa from Oaktree Financial. How are you going? Yeah. That's good.\n\nI was just calling to touch base with you and follow-up from our conversation from a few months ago if you still had time.\n\nChannel 1: You rang me yesterday.\n\nChannel 0: And they booked you in to have a chat with me today.\n\nChannel 1: Yeah. Uh-huh.\n\nChannel 0: Cool. You're okay. I know you're busy. So before we jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security its full name, date of birth, address?\n\nChannel 1: Steven. Twenty six eleven ninety three and seven six Street, Western, New Smyrna twenty three twenty six.\n\nChannel 0: Amazing. So I was calling. So you and I spoke back in April, and we went through the statement of advice. And then that document wasn't signed at the time. It expired, and you signed it\n\nChannel 1: Yeah.\n\nChannel 0: after it expired. And you signed it, which is fantastic, but, ultimately speaking, it was an expired document. So I wanted to kind of just touch base with you, make sure that you were still happy with the with the\n\nChannel 1: Yeah.\n\nChannel 0: advice,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and basically regenerate and send it out to you so you could authorize the document. I need to make sure that I'm covering my compliance basis.\n\nChannel 1: Yep.\n\nChannel 0: So I guess, first and foremost, has anything changed for you? Do we have any income increase or anything like that that I do need to consider on\n\nChannel 1: Yeah.\n\nChannel 0: that advice?\n\nChannel 1: Yeah.\n\nChannel 0: If we do, that's great. So we were on 73,000. Where are we sitting now?\n\nChannel 1: I don't know because it's been I'm back doing tires again truck tires again. So it'll be over 100 because I made over a 100. I ended ended up making over 100 last year.\n\nChannel 0: Amazing.\n\nChannel 1: So\n\nChannel 0: Alright. Perfect.\n\nChannel 1: And doing\n\nChannel 0: I\n\nChannel 1: this and doing this, I'll make more because I've\n\nChannel 0: will\n\nChannel 1: got payroll as well.\n\nChannel 0: do you know what\n\nChannel 1: So\n\nChannel 0: you're earning weekly at the moment?\n\nChannel 1: no. It's it's all over the place because it's minimum forty hours, and I'm $45 now at the moment. So and sometimes I'm getting $3,000 a hand. Depends if I get the call out because I'll get $250 for a per call out.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It's it's all over the place because I'm on call every second week, so it's up and down.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: No. Absolutely.\n\nChannel 1: so so minimum minimum a 100,000 for the year.\n\nChannel 0: Okay. I can base everything on a 100, and we can kinda go from there.\n\nChannel 1: Yep.\n\nChannel 0: It'll just it's it allows me to calculate, like, where, like, your your your tax liability fits and, obviously, what\n\nChannel 1: Yeah.\n\nChannel 0: contributions\n\nChannel 1: Yeah.\n\nChannel 0: are received from employment, everything like that. So that's fine. I can update things on that side. And if you remember, like, I guess, the main crux of the advice was to specifically look at changing the underlying investments within your fund with a a direct aim to reduce the investment fees, increase the growth on the investment as well, get rid of some of the underlying assets that were underperforming.\n\nChannel 1: Yeah.\n\nChannel 0: And that was where sort of the majority of the advice sat with with what we went through. Now if you're still happy to proceed with that, what I'll do is I will reupdate the advice,\n\nChannel 1: Yep.\n\nChannel 0: and I'll get that out to you. It'll be tomorrow, like, tomorrow job, I guess,\n\nChannel 1: Yep.\n\nChannel 0: where I'll send it to you. And from there, what we can do is\n\nChannel 1: Yeah. Because I'm I'm ready to clear up some funds tomorrow or hopefully tomorrow anyway because I'm sending financial cancel tomorrow to claim bankruptcy. So\n\nChannel 0: okay. So okay. So that's that's a major\n\nChannel 1: just\n\nChannel 0: change.\n\nChannel 1: just\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Just just because like, I'm still we're we're after the ex cheated, I'm still paying for all the stuff\n\nChannel 0: Yep.\n\nChannel 1: that she thought. I don't have any of it. It's gonna take me, like,\n\nChannel 0: Yes.\n\nChannel 1: seven years to pay it's gonna take me seven years to pay this stuff off. Where if I claim\n\nChannel 0: Yeah.\n\nChannel 1: bankruptcy, it's only three years, and then that extra money's in my end every week. Should buy whatever\n\nChannel 0: Yeah.\n\nChannel 1: I need.\n\nChannel 0: Yeah.\n\nChannel 1: Where\n\nChannel 0: So\n\nChannel 1: at the moment\n\nChannel 0: it just\n\nChannel 1: at the moment, I'm struggling, and it's gonna take seven years to pay all that stuff off. So\n\nChannel 0: okay. So because liabilities wise, we have we we have the new vehicle on a loan, so that means we're gonna lose that car.\n\nChannel 1: That's that's her problem because that that that that's in her name.\n\nChannel 0: Okay.\n\nChannel 1: It's in both her names, but the\n\nChannel 0: It's the one she drives.\n\nChannel 1: yep. I don't I my card's paid off now.\n\nChannel 0: Yes. Yeah. You you've got the $26,000 car. She's got, like, the 34,000, and there's, like, $41 in liabilities with the vehicle and the credit card.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Is there any other loans outstanding, or is it just it's literally the vehicle and the credit card loan of debt?\n\nChannel 1: I think it's a $20,000 line not long ago. I was well, probably,\n\nChannel 0: Yeah. Personal\n\nChannel 1: you know, a year ago now.\n\nChannel 0: loan.\n\nChannel 1: Yeah. I have to roll some of the stuff into one and yeah. I was with someone\n\nChannel 0: Okay.\n\nChannel 1: at that time and bought her a car, and then she got a car out of me after a couple of months.\n\nChannel 0: Yeah. Do\n\nChannel 1: So\n\nChannel 0: you know\n\nChannel 1: it's not\n\nChannel 0: what\n\nChannel 1: enough.\n\nChannel 0: the I do you know what all\n\nChannel 1: Yes.\n\nChannel 0: the debts sort of add up to? So it's like a $20 personal loan and then the credit\n\nChannel 1: Well,\n\nChannel 0: cards and the and\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: credit credit\n\nChannel 0: car?\n\nChannel 1: card the credit card is nearly maxed out at the moment. That's that's $7. So the $20,000 personal loan, the credit card I've got my credit card that I've done originally started with, which is just a $500 limit on that one, and then just mostly other stuff. So I got my own business as well, but it's not registered\n\nChannel 0: Yep.\n\nChannel 1: and stuff. But we've got PayPal and stuff. Customers, there's debt there for PayPal, not because of customers. We fund getting refunds, Rob, and I was about to send their stuff.\n\nChannel 0: Yeah.\n\nChannel 1: So so lucky\n\nChannel 0: Yeah.\n\nChannel 1: I didn't send the stuff overseas because he would end up with the stuff and and all that ended up with no money.\n\nChannel 0: Yes.\n\nChannel 1: So yeah. The name of PayPal is, like, $4 in debt because of that.\n\nChannel 0: Yeah. Okay. And then the car loan on top, which is some somewhere in the infinity about $30. Right?\n\nChannel 1: Yeah. Yeah. I don't know where her where her car line is at the moment because my car's my car's I'm not sure where her car is because I'm we've it's been, like, twenty months or something since she cheated. And yeah. So I don't know\n\nChannel 0: Okay.\n\nChannel 1: where where it's at. It was she was well, I did tell them to take a car off her because she was, like, $3 behind on payments, and they're ringing me for it. I'm like, you know where the car is gonna take it. But she sorted\n\nChannel 0: Yeah.\n\nChannel 1: that out now. She's sorted that out. So,\n\nChannel 0: Okay.\n\nChannel 1: yeah, I don't know what's going on. So I don't know where she does it. She she just she just paid the minimum payments for everything. So she's she's stupid. She pays the maximum for everything.\n\nChannel 0: Right. Okay.\n\nChannel 1: And my financial account, the last time I've seen them, they will send a letter off to Saint George or whoever the company is now because Saint George is not around anymore\n\nChannel 0: Yep.\n\nChannel 1: to get one to see if they could take my name off their vehicle anyway\n\nChannel 0: Yep. Yeah.\n\nChannel 1: just because,\n\nChannel 0: Not\n\nChannel 1: like, we haven't been together and she's got the car,\n\nChannel 0: your\n\nChannel 1: and it was in both our names. So yeah.\n\nChannel 0: loan. So if you claim bankruptcy with your name on that car, she the car's gonna go.\n\nChannel 1: Oh, no. Yeah. She's trying to get another\n\nChannel 0: K.\n\nChannel 1: car at the moment. Oh, they've just sold the girl that she paid on me was she just bought I think they've just sold his been sold his BMW, and they were gonna get a a u. So they'll have one car and that back for a motorbike each. So\n\nChannel 0: Okay. Fair enough.\n\nChannel 1: And and we're still married because she fucked up on the divorce papers.\n\nChannel 0: Good. Yep.\n\nChannel 1: So yeah.\n\nChannel 0: Okay. Alright. So we are we're sitting pretty high. Okay. So what I can do is I I will take note of that.\n\nYou're going\n\nChannel 1: Yeah.\n\nChannel 0: to see financial counseling tomorrow to declare bankruptcy officially and get assistance\n\nChannel 1: Yep.\n\nChannel 0: with that side of things.\n\nChannel 1: Yep. Yep. Thanks.\n\nChannel 0: Okay.\n\nChannel 1: Because I because I cleared up funds for me, though I don't need to get loans to get anything in. It's just I'm just paying everything that she owns because I don't even have the jack. Like, I she even kept my jack. Like, I my business is cast up, and she kept the jack and\n\nChannel 0: Yeah.\n\nChannel 1: everything. So but she's got everything. So I'm I'm paying for it all because she could never get loans. And I've been trying since to buy another car since since she cheated on\n\nChannel 0: Yeah.\n\nChannel 1: me, and\n\nChannel 0: Yeah.\n\nChannel 1: they haven't been successful. So that's probably because of her. I don't know.\n\nChannel 0: Okay.\n\nChannel 1: But yeah. I just want all that debt out of my name.\n\nChannel 0: We can definitely do that. Okay. That makes sense.\n\nChannel 1: Yeah. They all need a fresh start since she's the one that put me in that much debt, and then then she's done all this.\n\nChannel 0: Yeah. Just just absolutely affected you and your position moving forward, I guess.\n\nChannel 1: And when I came up for my sister's birthday, I didn't realize the weekend was gonna be so full long. We just didn't have time to go anywhere or do another one. You wanna come to Queensland? Oh,\n\nChannel 0: Yeah. Alright. So just really, really, that's a very nice person anyway. Alright. So I guess what I can do from this point is I will make note of the fact that you're declaring bankruptcy,\n\nChannel 1: Yep.\n\nChannel 0: and I will touch base with you in a few days because when you have your meeting with financial counselor tomorrow to go through what that looks like, whether there's any obligations for because, like, there's there's a couple of different bankruptcy stages.\n\nChannel 1: Yep. Yep.\n\nChannel 0: There can be, like, a debt nine agreement where you can basically it's sort of a step before, particularly in bankruptcy, where you would sort of pay back some of the debts in a different sort of way, and\n\nChannel 1: Yeah.\n\nChannel 0: you would sort of negotiate with the lenders to pay\n\nChannel 1: Yeah.\n\nChannel 0: back\n\nChannel 1: Well,\n\nChannel 0: some\n\nChannel 1: she\n\nChannel 0: of it.\n\nChannel 1: one of the one of the one of the loans she got to she dropped it, so it's no interest because it but it was, like, 47% interest.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: yeah. She you stopped the interest on that the first time I say no.\n\nChannel 0: Yeah.\n\nChannel 1: Because that yeah. Another\n\nChannel 0: Hi.\n\nChannel 1: another thing.\n\nChannel 0: Yeah. So what time is your meeting with financial\n\nChannel 1: 11:00\n\nChannel 0: counselor\n\nChannel 1: tomorrow.\n\nChannel 0: tomorrow? 11:00. Alright. Alright. So I will give you a call Thursday.\n\nI'm I'm I'm fully booked tomorrow anyway. So I'll give you a call Thursday and touch base with you, see how you go with the financial counselor, and I should\n\nChannel 1: Yep.\n\nChannel 0: be\n\nChannel 1: Yep.\n\nChannel 0: able\n\nChannel 1: Yep.\n\nChannel 0: to go through and we can get this document signed at that time as well so I can get it all implemented. Changing changing the assets in the super fund isn't gonna affect you declaring bankruptcy. That's separate entities.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: But I still wanna get the changes made to the super fund so we can\n\nChannel 1: Yep.\n\nChannel 0: keep accumulating wealth on this side\n\nChannel 1: Yep.\n\nChannel 0: versus anything else. One of the things like, the financial counselor will look at, like, you I just wanna double check because I don't have any notes for it or any indication that you do. You don't salary sacrifice or anything like that into your super fund. Like, you haven't started doing it.\n\nChannel 1: What was that?\n\nChannel 0: You don't salary sacrifice or salary\n\nChannel 1: No. No.\n\nChannel 0: package\n\nChannel 1: No.\n\nChannel 0: anywhere?\n\nChannel 1: No.\n\nChannel 0: No. Cool. Yeah. Because that's\n\nChannel 1: No.\n\nChannel 0: one of the things that that, generally, the financial council will look at. So I\n\nChannel 1: No.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: wanted\n\nChannel 1: Yeah.\n\nChannel 0: to double check.\n\nChannel 1: Yeah.\n\nChannel 0: Cool.\n\nChannel 1: I'm I'm\n\nChannel 0: Alright.\n\nChannel 1: starting that after once I'm gonna spend money.\n\nChannel 0: No. No.\n\nChannel 1: My\n\nChannel 0: That's\n\nChannel 1: my\n\nChannel 0: okay.\n\nChannel 1: my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my\n\nChannel 0: Perfect. No. Amazing. I will alright. I'll get cracking on this side, get the advice document updated,\n\nChannel 1: Yep.\n\nChannel 0: and touch base with you again on Thursday. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Alright. I will let let let you go for the afternoon, and\n\nChannel 1: Yep.\n\nChannel 0: I'll speak to you again Thursday. Are you okay with sort of same time? If I call you Thursday oh, sorry.\n\nChannel 1: Yeah.\n\nChannel 0: I should\n\nChannel 1: It should\n\nChannel 0: look at\n\nChannel 1: be\n\nChannel 0: my\n\nChannel 1: it\n\nChannel 0: calendar.\n\nChannel 1: should be right. Yeah. Yeah. That should\n\nChannel 0: Would\n\nChannel 1: be right.\n\nChannel 0: you be okay if I call you in the morning? My evening's looking pretty chunky Thursday.\n\nChannel 1: You can try.\n\nChannel 0: Yep. Always.\n\nChannel 1: Yes. Just just because of what I do, like, I sometimes I can't hear it because I go about at least the compressor's quiet on this truck. Will I get my truck back? Hopefully, tomorrow. And then when\n\nChannel 0: Yep.\n\nChannel 1: I come to the and stuff, day.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Actually, it's gonna cancel. Just ring me right now.\n\nChannel 0: Perfect. Alright. Well, you go do that, and I will\n\nChannel 1: Yep.\n\nChannel 0: talk to you Thursday morning.\n\nChannel 1: Okay. Thanks.\n\nChannel 0: Thanks, Tim. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.02941296249628067}],"sentiment":"neutral","sentiment_score":0.02941296249628067,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Hi.","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.12479235976934432},{"text":"Steven Larissa from Oaktree Financial.","start":5.92,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.1376636281609535},{"text":"How are you going?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.21184192970395088},{"text":"Yeah.","start":9.92,"end":10.16,"sentiment":"positive","sentiment_score":0.3985759913921356},{"text":"That's good.","start":10.16,"end":10.98,"sentiment":"positive","sentiment_score":0.6485365927219391}],"sentiment":"neutral","sentiment_score":0.258163645863533,"channel":0,"num_words":13,"start":5.12,"end":10.98},{"sentences":[{"text":"I was just calling to touch base with you and follow-up from our conversation from a few months ago if you still had time.","start":11.5199995,"end":20.414999,"sentiment":"neutral","sentiment_score":0.1688769661510984}],"sentiment":"neutral","sentiment_score":0.1688769661510984,"channel":0,"num_words":24,"start":11.5199995,"end":20.414999},{"sentences":[{"text":"You rang me yesterday.","start":21.065,"end":22.045,"sentiment":"neutral","sentiment_score":0.17913149669766426}],"sentiment":"neutral","sentiment_score":0.17913149669766426,"channel":1,"num_words":4,"start":21.065,"end":22.045},{"sentences":[{"text":"And they booked you in to have a chat with me today.","start":22.875,"end":26.335,"sentiment":"neutral","sentiment_score":0.15008206789692244}],"sentiment":"neutral","sentiment_score":0.15008206789692244,"channel":0,"num_words":12,"start":22.875,"end":26.335},{"sentences":[{"text":"Yeah.","start":26.904999,"end":27.36,"sentiment":"neutral","sentiment_score":0.09491721540689468},{"text":"Uh-huh.","start":28.560001,"end":29.060001,"sentiment":"neutral","sentiment_score":0.10329103469848631}],"sentiment":"neutral","sentiment_score":0.0991041250526905,"channel":1,"num_words":2,"start":26.904999,"end":29.060001},{"sentences":[{"text":"Cool.","start":28.794998,"end":29.294998,"sentiment":"positive","sentiment_score":0.36006391048431396},{"text":"You're okay.","start":29.82,"end":30.54,"sentiment":"neutral","sentiment_score":0.2434874325990677},{"text":"I know you're busy.","start":30.54,"end":31.68,"sentiment":"neutral","sentiment_score":-0.0065247537568211555},{"text":"So before we jump into it, I do need to let you know our calls are recorded.","start":31.82,"end":35.739998,"sentiment":"neutral","sentiment_score":0.021434488815858084},{"text":"And if I could just get you to confirm security its full name, date of birth, address?","start":35.739998,"end":40.16,"sentiment":"neutral","sentiment_score":0.03648281601421973}],"sentiment":"neutral","sentiment_score":0.044037413238207014,"channel":0,"num_words":41,"start":28.794998,"end":40.16},{"sentences":[{"text":"Steven.","start":41.405,"end":41.905,"sentiment":"neutral","sentiment_score":0.006475874222815037},{"text":"Twenty six eleven ninety three and seven six Street, Western, New Smyrna twenty three twenty six.","start":42.285,"end":49.665,"sentiment":"neutral","sentiment_score":0.012946280286996625}],"sentiment":"neutral","sentiment_score":0.01256566816557418,"channel":1,"num_words":17,"start":41.405,"end":49.665},{"sentences":[{"text":"Amazing.","start":50.395,"end":50.895,"sentiment":"positive","sentiment_score":0.386601448059082},{"text":"So I was calling.","start":52.235,"end":54.074997,"sentiment":"neutral","sentiment_score":0.10983486659824848},{"text":"So you and I spoke back in April, and we went through the statement of advice.","start":54.074997,"end":60.12,"sentiment":"neutral","sentiment_score":0.023776230751536787},{"text":"And then that document wasn't signed at the time.","start":60.26,"end":64.5,"sentiment":"neutral","sentiment_score":-0.07618072132269542},{"text":"It expired, and you signed it","start":64.5,"end":66.42,"sentiment":"neutral","sentiment_score":-0.05397351334492365}],"sentiment":"neutral","sentiment_score":0.005469250958412886,"channel":0,"num_words":36,"start":50.395,"end":66.42},{"sentences":[{"text":"Yeah.","start":66.33501,"end":66.83501,"sentiment":"neutral","sentiment_score":-0.03420615196228027}],"sentiment":"neutral","sentiment_score":-0.03420615196228027,"channel":1,"num_words":1,"start":66.33501,"end":66.83501},{"sentences":[{"text":"after it expired.","start":66.42,"end":67.4,"sentiment":"neutral","sentiment_score":-0.033471537133057915},{"text":"And you signed it, which is fantastic, but, ultimately speaking, it was an expired document.","start":69.965,"end":74.445,"sentiment":"neutral","sentiment_score":0.061936532706022264},{"text":"So I wanted to kind of just touch base with you, make sure that you were still happy with the with the","start":74.445,"end":79.244995,"sentiment":"neutral","sentiment_score":0.0804680504582145}],"sentiment":"neutral","sentiment_score":0.06497326223179697,"channel":0,"num_words":40,"start":66.42,"end":79.244995},{"sentences":[{"text":"Yeah.","start":79.135,"end":79.635,"sentiment":"neutral","sentiment_score":0.04782487079501152}],"sentiment":"neutral","sentiment_score":0.04782487079501152,"channel":1,"num_words":1,"start":79.135,"end":79.635},{"sentences":[{"text":"advice,","start":79.244995,"end":79.744995,"sentiment":"neutral","sentiment_score":0.03184641897678375}],"sentiment":"neutral","sentiment_score":0.03184641897678375,"channel":0,"num_words":1,"start":79.244995,"end":79.744995},{"sentences":[{"text":"Yeah.","start":80.175,"end":80.415,"sentiment":"neutral","sentiment_score":0.04277396947145462}],"sentiment":"neutral","sentiment_score":0.04277396947145462,"channel":1,"num_words":1,"start":80.175,"end":80.415},{"sentences":[{"text":"and","start":80.365,"end":80.865,"sentiment":"neutral","sentiment_score":0.027653280645608905}],"sentiment":"neutral","sentiment_score":0.027653280645608905,"channel":0,"num_words":1,"start":80.365,"end":80.865},{"sentences":[{"text":"Yeah.","start":80.415,"end":80.65501,"sentiment":"neutral","sentiment_score":0.04439028352499008},{"text":"Yeah.","start":80.65501,"end":81.15501,"sentiment":"neutral","sentiment_score":0.05403774976730347}],"sentiment":"neutral","sentiment_score":0.049214016646146774,"channel":1,"num_words":2,"start":80.415,"end":81.15501},{"sentences":[{"text":"and basically regenerate and send it out to you so you could authorize the document.","start":81.48499,"end":86.52,"sentiment":"neutral","sentiment_score":0.07458853696783384},{"text":"I need to make sure that I'm covering my compliance basis.","start":87.62,"end":90.04,"sentiment":"neutral","sentiment_score":0.025065294043584305}],"sentiment":"neutral","sentiment_score":0.05363639573065134,"channel":0,"num_words":26,"start":81.48499,"end":90.04},{"sentences":[{"text":"Yep.","start":89.58,"end":90.08,"sentiment":"neutral","sentiment_score":0.03983725234866142}],"sentiment":"neutral","sentiment_score":0.03983725234866142,"channel":1,"num_words":1,"start":89.58,"end":90.08},{"sentences":[{"text":"So I guess, first and foremost, has anything changed for you?","start":92.1,"end":95.479996,"sentiment":"neutral","sentiment_score":0.010819128460504791},{"text":"Do we have any income increase or anything like that that I do need to consider on","start":95.885,"end":101.085,"sentiment":"neutral","sentiment_score":-0.018615483361132005}],"sentiment":"neutral","sentiment_score":-0.0070518858597746915,"channel":0,"num_words":28,"start":92.1,"end":101.085},{"sentences":[{"text":"Yeah.","start":100.915,"end":101.415,"sentiment":"neutral","sentiment_score":-0.003991677425801754}],"sentiment":"neutral","sentiment_score":-0.003991677425801754,"channel":1,"num_words":1,"start":100.915,"end":101.415},{"sentences":[{"text":"that advice?","start":101.085,"end":101.905,"sentiment":"neutral","sentiment_score":-0.0005772490985691547}],"sentiment":"neutral","sentiment_score":-0.0005772490985691547,"channel":0,"num_words":2,"start":101.085,"end":101.905},{"sentences":[{"text":"Yeah.","start":101.955,"end":102.455,"sentiment":"neutral","sentiment_score":0.06528452038764954}],"sentiment":"neutral","sentiment_score":0.06528452038764954,"channel":1,"num_words":1,"start":101.955,"end":102.455},{"sentences":[{"text":"If we do, that's great.","start":103.645004,"end":105.025,"sentiment":"neutral","sentiment_score":0.17552819848060608},{"text":"So we were on 73,000.","start":105.725006,"end":107.485,"sentiment":"neutral","sentiment_score":0.06919135004281998},{"text":"Where are we sitting now?","start":107.485,"end":108.72,"sentiment":"neutral","sentiment_score":0.00042825080454349555}],"sentiment":"neutral","sentiment_score":0.08171593310932318,"channel":0,"num_words":15,"start":103.645004,"end":108.72},{"sentences":[{"text":"I don't know because it's been I'm back doing tires again truck tires again.","start":109.25,"end":112.69,"sentiment":"neutral","sentiment_score":-0.03321440810603755},{"text":"So it'll be over 100 because I made over a 100.","start":112.69,"end":116.29,"sentiment":"neutral","sentiment_score":0.035426715050231324},{"text":"I ended ended up making over 100 last year.","start":116.29,"end":118.630005,"sentiment":"neutral","sentiment_score":0.09057046969731648}],"sentiment":"neutral","sentiment_score":0.021759599392466685,"channel":1,"num_words":34,"start":109.25,"end":118.630005},{"sentences":[{"text":"Amazing.","start":118.96,"end":119.46,"sentiment":"positive","sentiment_score":0.4416685998439789}],"sentiment":"positive","sentiment_score":0.4416685998439789,"channel":0,"num_words":1,"start":118.96,"end":119.46},{"sentences":[{"text":"So","start":120.850006,"end":121.350006,"sentiment":"neutral","sentiment_score":0.2260519117116928}],"sentiment":"neutral","sentiment_score":0.2260519117116928,"channel":1,"num_words":1,"start":120.850006,"end":121.350006},{"sentences":[{"text":"Alright.","start":121.04,"end":121.54,"sentiment":"neutral","sentiment_score":0.28156304359436035},{"text":"Perfect.","start":121.840004,"end":122.340004,"sentiment":"positive","sentiment_score":0.4240835905075073}],"sentiment":"positive","sentiment_score":0.35282331705093384,"channel":0,"num_words":2,"start":121.04,"end":122.340004},{"sentences":[{"text":"And doing","start":122.705,"end":123.265,"sentiment":"neutral","sentiment_score":0.16318527609109879}],"sentiment":"neutral","sentiment_score":0.16318527609109879,"channel":1,"num_words":2,"start":122.705,"end":123.265},{"sentences":[{"text":"I","start":122.985,"end":123.485,"sentiment":"neutral","sentiment_score":0.2218850553035736}],"sentiment":"neutral","sentiment_score":0.2218850553035736,"channel":0,"num_words":1,"start":122.985,"end":123.485},{"sentences":[{"text":"this and doing this, I'll make more because I've","start":123.265,"end":124.865,"sentiment":"neutral","sentiment_score":0.2262357191907035}],"sentiment":"neutral","sentiment_score":0.2262357191907035,"channel":1,"num_words":9,"start":123.265,"end":124.865},{"sentences":[{"text":"will","start":124.785,"end":125.285,"sentiment":"neutral","sentiment_score":0.2098352015018463}],"sentiment":"neutral","sentiment_score":0.2098352015018463,"channel":0,"num_words":1,"start":124.785,"end":125.285},{"sentences":[{"text":"got payroll as well.","start":124.865,"end":127.145,"sentiment":"neutral","sentiment_score":0.1843980774283409}],"sentiment":"neutral","sentiment_score":0.1843980774283409,"channel":1,"num_words":4,"start":124.865,"end":127.145},{"sentences":[{"text":"do you know what","start":127.145,"end":127.865,"sentiment":"neutral","sentiment_score":0.005229005124419928}],"sentiment":"neutral","sentiment_score":0.005229005124419928,"channel":0,"num_words":4,"start":127.145,"end":127.865},{"sentences":[{"text":"So","start":127.785,"end":128.285,"sentiment":"neutral","sentiment_score":-0.003258340060710907}],"sentiment":"neutral","sentiment_score":-0.003258340060710907,"channel":1,"num_words":1,"start":127.785,"end":128.285},{"sentences":[{"text":"you're earning weekly at the moment?","start":127.865,"end":129.885,"sentiment":"neutral","sentiment_score":-0.005375953235973914}],"sentiment":"neutral","sentiment_score":-0.005375953235973914,"channel":0,"num_words":6,"start":127.865,"end":129.885},{"sentences":[{"text":"no.","start":130.065,"end":130.565,"sentiment":"neutral","sentiment_score":-0.022586269304156303},{"text":"It's it's all over the place because it's minimum forty hours, and I'm $45 now at the moment.","start":130.785,"end":136.76,"sentiment":"negative","sentiment_score":-0.33694394512308967},{"text":"So and sometimes I'm getting $3,000 a hand.","start":136.76,"end":140.76,"sentiment":"neutral","sentiment_score":-0.1483834469690919},{"text":"Depends if I get the call out because I'll get $250 for a per call 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go through and we can get this document signed at that time as well so I can get it all implemented.","start":669.6,"end":673.77997,"sentiment":"neutral","sentiment_score":0.1797189102931456},{"text":"Changing changing the assets in the super fund isn't gonna affect you declaring bankruptcy.","start":674.585,"end":680.36505,"sentiment":"neutral","sentiment_score":-0.012436752207577229},{"text":"That's separate 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Tim.","start":795.075,"end":795.875,"sentiment":"positive","sentiment_score":0.7206926345825195},{"text":"Bye.","start":795.875,"end":796.375,"sentiment":"positive","sentiment_score":0.5595447421073914}],"sentiment":"positive","sentiment_score":0.6669766704241434,"channel":0,"num_words":3,"start":795.075,"end":796.375},{"sentences":[{"text":"Bye.","start":796.665,"end":797.165,"sentiment":"neutral","sentiment_score":-0.117390014231205}],"sentiment":"neutral","sentiment_score":-0.117390014231205,"channel":1,"num_words":1,"start":796.665,"end":797.165}]},"summary":{"result":"success","short":"Representatives from Oaktree Financial call Steven Larissa to discuss his retirement savings account and update his investment advice. The customer is struggling to pay off debts and considering filing for bankruptcy, but the agent will make note of his decision and touch base with him in a few days. The agent will update the customer's financial counseling process and check for necessary changes."},"intents":{"segments":[{"text":"I was just calling to touch base with you and follow-up from our conversation from a few months ago if you still had time. You rang me yesterday. And they booked you in to have a chat with me today. Yeah.","start_word":14,"end_word":54,"intents":[{"intent":"Request callback","confidence_score":0.008281021}]},{"text":"It'll just it's it allows me to calculate, like, where, like, your your your tax liability fits and, obviously, what Yeah.","start_word":429,"end_word":449,"intents":[{"intent":"Calculate tax liability","confidence_score":0.48989454},{"intent":"Calculate contributions","confidence_score":0.2264815}]},{"text":"I can update things on that side. And if you remember, like, I guess, the main crux of the advice was to specifically look at changing the underlying investments within your fund with a a direct aim to reduce the investment fees, increase the growth on the investment as well, get rid of some of the underlying assets that were underperforming. Yeah.","start_word":462,"end_word":523,"intents":[{"intent":"Reupdate advice","confidence_score":0.08176842},{"intent":"Update underlying investments","confidence_score":0.036462814}]},{"text":"Because I'm I'm ready to clear up some funds tomorrow or hopefully tomorrow anyway because I'm sending financial cancel tomorrow to claim bankruptcy. So okay.","start_word":592,"end_word":616,"intents":[{"intent":"Cancel call","confidence_score":0.00451472}]},{"text":"Is there any other loans outstanding, or is it just it's literally the vehicle and the credit card loan of debt?","start_word":817,"end_word":837,"intents":[{"intent":"Clarify debts","confidence_score":0.023776943}]},{"text":"And my financial account, the last time I've seen them, they will send a letter off to Saint George or whoever the company is now because Saint George is not around anymore Yep. to get one to see if they could take my name off their vehicle anyway Yep. Yeah.","start_word":1241,"end_word":1290,"intents":[{"intent":"Removing name from credit card","confidence_score":0.0015946202},{"intent":"Offering financial assistance","confidence_score":0.0003447399}]},{"text":"So if you claim bankruptcy with your name on that car, she the car's gonna go. Oh, no.","start_word":1315,"end_word":1332,"intents":[{"intent":"Discuss debt status","confidence_score":0.000939659}]},{"text":"So I guess what I can do from this point is I will make note of the fact that you're declaring bankruptcy, Yep.","start_word":1676,"end_word":1698,"intents":[{"intent":"Discuss bankruptcy status","confidence_score":0.025897764}]},{"text":"So I guess what I can do from this point is I will make note of the fact that you're declaring bankruptcy, Yep. and I will touch base with you in a few days because when you have your meeting with financial counselor tomorrow to go through what that looks like, whether there's any obligations for because, like, there's there's a couple of different bankruptcy stages. Yep.","start_word":1676,"end_word":1742,"intents":[{"intent":"Inquire about the status of the debt","confidence_score":0.000002134885},{"intent":"Explain the case with the debt","confidence_score":6.1740013e-7}]},{"text":"you would sort of negotiate with the lenders to pay Yeah.","start_word":1784,"end_word":1794,"intents":[{"intent":"Inquire about debt negotiations","confidence_score":0.00080237974},{"intent":"Discuss the negotiating process","confidence_score":0.00009391029}]},{"text":"one of the one of the one of the loans she got to she dropped it, so it's no interest because it but it was, like, 47% interest. Oh, So okay.","start_word":1801,"end_word":1831,"intents":[{"intent":"Inform about lack of interest in debt","confidence_score":0.0000013382011}]},{"text":"So what time is your meeting with financial 11:00 counselor tomorrow. tomorrow? 11:00. Alright.","start_word":1855,"end_word":1868,"intents":[{"intent":"Confirm meeting time","confidence_score":0.14160343}]},{"text":"But I still wanna get the changes made to the super fund so we can Yep.","start_word":1955,"end_word":1970,"intents":[{"intent":"Make changes","confidence_score":0.14964911}]},{"text":"One of the things like, the financial counselor will look at, like, you I just wanna double check because I don't have any notes for it or any indication that you do. You don't salary sacrifice or anything like that into your super fund. Like, you haven't started doing it. What was that?","start_word":1981,"end_word":2033,"intents":[{"intent":"Double check notes","confidence_score":0.45764178}]},{"text":"I'll get cracking on this side, get the advice document updated, Yep. and touch base with you again on Thursday. Okay? Okay.","start_word":2133,"end_word":2154,"intents":[{"intent":"Get advice","confidence_score":0.0006182401}]},{"text":"I will let let let you go for the afternoon, and Yep. I'll speak to you again Thursday. Are you okay with sort of same time?","start_word":2157,"end_word":2182,"intents":[{"intent":"Obtain call schedule","confidence_score":0.00021217226}]},{"text":"Will I get my truck back? Hopefully, tomorrow.","start_word":2259,"end_word":2266,"intents":[{"intent":"Get truck back","confidence_score":0.15197454}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Steven Larissa from Oaktree Financial. How are you going?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.14654020965099335},{"text":"Yeah. That's good.","start_word":11,"end_word":13,"sentiment":"positive","sentiment_score":0.5740699768066406},{"text":"I was just calling to touch base with you and follow-up from our conversation from a few months ago if you still had time. You rang me yesterday. And they booked you in to have a chat with me today. Yeah. Uh-huh.","start_word":14,"end_word":55,"sentiment":"neutral","sentiment_score":0.15547406673431396},{"text":"Cool.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.36006391048431396},{"text":"You're okay. I know you're busy. So before we jump into it, I do need to let you know our calls are recorded. And if I could just get you to confirm security its full name, date of birth, address? Steven. Twenty six eleven ninety three and seven six Street, Western, New Smyrna twenty three twenty six.","start_word":57,"end_word":113,"sentiment":"neutral","sentiment_score":0.03385072574019432},{"text":"Amazing.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.386601448059082},{"text":"So I was calling. So you and I spoke back in April, and we went through the statement of advice. And then that document wasn't signed at the time. It expired, and you signed it Yeah. after it expired. And you signed it, which is fantastic, but, ultimately speaking, it was an expired document. So I wanted to kind of just touch base with you, make sure that you were still happy with the with the Yeah. advice, Yeah. and Yeah. Yeah. and basically regenerate and send it out to you so you could authorize the document. I need to make sure that I'm covering my compliance basis. Yep. So I guess, first and foremost, has anything changed for you? Do we have any income increase or anything like that that I do need to consider on Yeah. that advice? Yeah. If we do, that's great. So we were on 73,000. Where are we sitting now? I don't know because it's been I'm back doing tires again truck tires again. So it'll be over 100 because I made over a 100. I ended ended up making over 100 last year.","start_word":115,"end_word":304,"sentiment":"neutral","sentiment_score":0.032007794827222824},{"text":"Amazing.","start_word":305,"end_word":305,"sentiment":"positive","sentiment_score":0.4416685998439789},{"text":"So Alright.","start_word":306,"end_word":307,"sentiment":"neutral","sentiment_score":0.26768529415130615},{"text":"Perfect.","start_word":308,"end_word":308,"sentiment":"positive","sentiment_score":0.4240835905075073},{"text":"And doing I this and doing this, I'll make more because I've will got payroll as well. do you know what So you're earning weekly at the moment? no. It's it's all over the place because it's minimum forty hours, and I'm $45 now at the moment. So and sometimes I'm getting $3,000 a hand. Depends if I get the call out because I'll get $250 for a per call out. Yeah. Yeah.","start_word":309,"end_word":381,"sentiment":"neutral","sentiment_score":-0.08057849313298317},{"text":"It's it's all over the place because I'm on call every second week, so it's up and down.","start_word":382,"end_word":399,"sentiment":"negative","sentiment_score":-0.3409547209739685},{"text":"Yeah. So No. Absolutely. so so minimum minimum a 100,000 for the year. Okay. I can base everything on a 100, and we can kinda go from there. Yep. It'll just it's it allows me to calculate, like, where, like, your your your tax liability fits and, obviously, what Yeah. contributions Yeah. are received from employment, everything like that. So that's fine. I can update things on that side. And if you remember, like, I guess, the main crux of the advice was to specifically look at changing the underlying investments within your fund with a a direct aim to reduce the investment fees, increase the growth on the investment as well, get rid of some of the underlying assets that were underperforming. Yeah. And that was where sort of the majority of the advice sat with with what we went through. Now if you're still happy to proceed with that, what I'll do is I will reupdate the advice, Yep. and I'll get that out to you. It'll be tomorrow, like, tomorrow job, I guess, Yep. where I'll send it to you. And from there, what we can do is Yeah. Because I'm I'm ready to clear up some funds tomorrow or hopefully tomorrow anyway because I'm sending financial cancel tomorrow to claim bankruptcy. So okay. So okay. So that's that's a major just change. just Yeah. yeah.","start_word":400,"end_word":628,"sentiment":"neutral","sentiment_score":0.04900567606091499},{"text":"Just just because like, I'm still we're we're after the ex cheated, I'm still paying for all the stuff Yep.","start_word":629,"end_word":648,"sentiment":"negative","sentiment_score":-0.3868688642978668},{"text":"that she thought.","start_word":649,"end_word":651,"sentiment":"neutral","sentiment_score":-0.20558176934719088},{"text":"I don't have any of it. It's gonna take me, like, Yes. seven years to pay it's gonna take me seven years to pay this stuff off.","start_word":652,"end_word":678,"sentiment":"negative","sentiment_score":-0.5402311682701111},{"text":"Where if I claim Yeah.","start_word":679,"end_word":683,"sentiment":"neutral","sentiment_score":-0.17429639399051666},{"text":"bankruptcy, it's only three years, and then that extra money's in my end every week.","start_word":684,"end_word":698,"sentiment":"negative","sentiment_score":-0.3525811731815338},{"text":"Should buy whatever Yeah. I need. Yeah.","start_word":699,"end_word":705,"sentiment":"neutral","sentiment_score":-0.05223419889807701},{"text":"Where So at the moment it just at the moment, I'm struggling, and it's gonna take seven years to pay all that stuff off.","start_word":706,"end_word":729,"sentiment":"negative","sentiment_score":-0.491362601518631},{"text":"So okay.","start_word":730,"end_word":731,"sentiment":"neutral","sentiment_score":-0.11744481325149536},{"text":"So because liabilities wise, we have we we have the new vehicle on a loan, so that means we're gonna lose that car. That's that's her problem because that that that that's in her name.","start_word":732,"end_word":766,"sentiment":"negative","sentiment_score":-0.4218437075614929},{"text":"Okay. It's in both her names, but the It's the one she drives. yep. I don't I my card's paid off now. Yes. Yeah. You you've got the $26,000 car. She's got, like, the 34,000, and there's, like, $41 in liabilities with the vehicle and the credit card. Yeah. Yeah. Is there any other loans outstanding, or is it just it's literally the vehicle and the credit card loan of debt? I think it's a $20,000 line not long ago. I was well, probably, Yeah. Personal you know, a year ago now. loan. Yeah. I have to roll some of the stuff into one and yeah. I was with someone Okay. at that time and bought her a car, and then she got a car out of me after a couple of months. Yeah. Do So you know it's not what enough. the I do you know what all Yes. the debts sort of add up to? So it's like a $20 personal loan and then the credit Well, cards and the and the the credit credit car?","start_word":767,"end_word":944,"sentiment":"neutral","sentiment_score":-0.1471405029296875},{"text":"card the credit card is nearly maxed out at the moment.","start_word":945,"end_word":955,"sentiment":"negative","sentiment_score":-0.4289352297782898},{"text":"That's that's $7. So the $20,000 personal loan, the credit card I've got my credit card that I've done originally started with, which is just a $500 limit on that one, and then just mostly other stuff. So I got my own business as well, but it's not registered Yep. and stuff. But we've got PayPal and stuff. Customers, there's debt there for PayPal, not because of customers. We fund getting refunds, Rob, and I was about to send their stuff. Yeah. So so lucky Yeah. I didn't send the stuff overseas because he would end up with the stuff and and all that ended up with no money. Yes. So yeah. The name of PayPal is, like, $4 in debt because of that. Yeah. Okay. And then the car loan on top, which is some somewhere in the infinity about $30. Right? Yeah. Yeah. I don't know where her where her car line is at the moment because my car's my car's I'm not sure where her car is because I'm we've it's been, like, twenty months or something since she cheated. And yeah. So I don't know Okay. where where it's at. It was she was well, I did tell them to take a car off her because she was, like, $3 behind on payments, and they're ringing me for it. I'm like, you know where the car is gonna take it. But she sorted Yeah. that out now. She's sorted that out. So, Okay. yeah, I don't know what's going on. So I don't know where she does it.","start_word":956,"end_word":1217,"sentiment":"neutral","sentiment_score":-0.10886453063660906},{"text":"She she just she just paid the minimum payments for everything. So she's she's stupid. She pays the maximum for everything.","start_word":1218,"end_word":1238,"sentiment":"negative","sentiment_score":-0.4370207190513611},{"text":"Right. Okay. And my financial account, the last time I've seen them, they will send a letter off to Saint George or whoever the company is now because Saint George is not around anymore Yep. to get one to see if they could take my name off their vehicle anyway Yep. Yeah. just because, Not like, we haven't been together and she's got the car, your and it was in both our names. So yeah. loan. So if you claim bankruptcy with your name on that car, she the car's gonna go. Oh, no. Yeah. She's trying to get K. another car at the moment. Oh, they've just sold the girl that she paid on me was she just bought I think they've just sold his been sold his BMW, and they were gonna get a a u. So they'll have one car and that back for a motorbike each. So Okay. Fair enough. And and we're still married because she fucked up on the divorce papers. Good. Yep. So yeah. Okay. Alright. So we are we're sitting pretty high. Okay. So what I can do is I I will take note of that. You're going Yeah. to see financial counseling tomorrow to declare bankruptcy officially and get assistance Yep. with that side of things. Yep. Yep. Thanks. Okay. Because I because I cleared up funds for me, though I don't need to get loans to get anything in. It's just I'm just paying everything that she owns because I don't even have the jack. Like, I she even kept my jack. Like, I my business is cast up, and she kept the jack and Yeah. everything. So but she's got everything. So I'm I'm paying for it all because she could never get loans. And I've been trying since to buy another car since since she cheated on Yeah. me, and Yeah.","start_word":1239,"end_word":1551,"sentiment":"neutral","sentiment_score":-0.10385721881454364},{"text":"they haven't been successful. So that's probably because of her.","start_word":1552,"end_word":1561,"sentiment":"negative","sentiment_score":-0.4531964063644409},{"text":"I don't know. Okay. But yeah. I just want all that debt out of my name. We can definitely do that. Okay. That makes sense. Yeah. They all need a fresh start since she's the one that put me in that much debt, and then then she's done all this. Yeah. Just just absolutely affected you and your position moving forward, I guess. And when I came up for my sister's birthday, I didn't realize the weekend was gonna be so full long. We just didn't have time to go anywhere or do another one. You wanna come to Queensland? Oh, Yeah. Alright.","start_word":1562,"end_word":1664,"sentiment":"neutral","sentiment_score":-0.1999563969744062},{"text":"So just really, really, that's a very nice person anyway.","start_word":1665,"end_word":1674,"sentiment":"positive","sentiment_score":0.5150538682937622},{"text":"Alright. So I guess what I can do from this point is I will make note of the fact that you're declaring bankruptcy, Yep. and I will touch base with you in a few days because when you have your meeting with financial counselor tomorrow to go through what that looks like, whether there's any obligations for because, like, there's there's a couple of different bankruptcy stages. Yep. Yep. There can be, like, a debt nine agreement where you can basically it's sort of a step before, particularly in bankruptcy, where you would sort of pay back some of the debts in a different sort of way, and Yeah. you would sort of negotiate with the lenders to pay Yeah. back Well, some she of it. one of the one of the one of the loans she got to she dropped it, so it's no interest because it but it was, like, 47% interest. Oh, So okay. yeah. She you stopped the interest on that the first time I say no. Yeah. Because that yeah. Another Hi. another thing. Yeah. So what time is your meeting with financial 11:00 counselor tomorrow. tomorrow? 11:00. Alright. Alright. So I will give you a call Thursday. I'm I'm I'm fully booked tomorrow anyway. So I'll give you a call Thursday and touch base with you, see how you go with the financial counselor, and I should Yep. be able Yep. Yep. to go through and we can get this document signed at that time as well so I can get it all implemented. Changing changing the assets in the super fund isn't gonna affect you declaring bankruptcy. That's separate entities. Yep. Yep. Yep. But I still wanna get the changes made to the super fund so we can Yep. keep accumulating wealth on this side Yep. versus anything else. One of the things like, the financial counselor will look at, like, you I just wanna double check because I don't have any notes for it or any indication that you do. You don't salary sacrifice or anything like that into your super fund. Like, you haven't started doing it. What was that? You don't salary sacrifice or salary No. No. package No. anywhere? No. No. Cool. Yeah. Because that's No. one of the things that that, generally, the financial council will look at. So I No. just Yeah. wanted Yeah. to double check. Yeah. Cool. I'm I'm Alright. starting that after once I'm gonna spend money. No. No. My That's my okay. my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my my Perfect. No. Amazing. I will alright. I'll get cracking on this side, get the advice document updated, Yep. and touch base with you again on Thursday. Okay? Okay. Perfect. Alright. I will let let let you go for the afternoon, and Yep. I'll speak to you again Thursday. Are you okay with sort of same time? If I call you Thursday oh, sorry. Yeah. I should It should look at be my it calendar. should be right. Yeah. Yeah. That should Would be right. you be okay if I call you in the morning? My evening's looking pretty chunky Thursday. You can try. Yep. Always. Yes. Just just because of what I do, like, I sometimes I can't hear it because I go about at least the compressor's quiet on this truck. Will I get my truck back? Hopefully, tomorrow. And then when Yep. I come to the and stuff, day. Yeah. No. Yeah. Absolutely.","start_word":1675,"end_word":2281,"sentiment":"neutral","sentiment_score":0.006562725267230335},{"text":"Actually, it's gonna cancel.","start_word":2282,"end_word":2285,"sentiment":"negative","sentiment_score":-0.4384489059448242},{"text":"Just ring me right now.","start_word":2286,"end_word":2290,"sentiment":"neutral","sentiment_score":-0.2244102507829666},{"text":"Perfect.","start_word":2291,"end_word":2291,"sentiment":"positive","sentiment_score":0.5390819907188416},{"text":"Alright. Well, you go do that, and I will Yep. talk to you Thursday morning. Okay.","start_word":2292,"end_word":2307,"sentiment":"neutral","sentiment_score":0.2800113558769226},{"text":"Thanks. Thanks, Tim. Bye.","start_word":2308,"end_word":2311,"sentiment":"positive","sentiment_score":0.6713863015174866},{"text":"Bye.","start_word":2312,"end_word":2312,"sentiment":"neutral","sentiment_score":0.29649603366851807}],"average":{"sentiment":"neutral","sentiment_score":-0.06456630770404667}}}}