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And we're the host about character, the best podcast in the world. It's really funny at a good time. Really? Yeah, yeah. I think statistics just came back.
And we're one of the funniest two guys with mics. And that's pretty hard to beat right now. But it's true, actually. Why should people listen to us? Tell them, well, we're trendy, we're funny, we're topical.
You get all your news here. Not the facts, but maybe our pig's on it and everything in between. So listen out of character on the iHeart Radio app, Apple Podcast, or wherever you get your podcast. It's all just a joke. What is the value of these women?
I'm Brigid Armstrong, back with season two of the podcast, Curse of Miss America. We're talking to participants, whistleblowers. And people who say Miss America didn't live up to their promises. He looks and he goes, you don't look like you suffered a meeting disorder. I never received a scholarship.
I need to pay for my student loans. Maybe this is the meta question for the podcast. Why does Miss America at this point? Listen to the curse of Miss America on the iHeart Radio app, Apple Podcast, or wherever you get your podcast. In the last episode, you heard that Laura's criminal plea deal deadline was extended to August 28, 2026.
That wasn't the first or second time the deadline had been extended. But according to Clayton Eckard, the prosecutor told him there would be no further kicking of the can. I asked the prosecutor, I said, this deadline on the 28th of August. Is that the absolute last point at which she can take the plea? He said, yes.
I said, there is no situation in which that will get extended. He goes, no, I'll make sure of it. OK. A few weeks ago, while I was in Arizona visiting my family, I took the opportunity to check in on Clayton. I stopped by his house to catch up and see how he was feeling leading up to the settlement conference.
How do you feel knowing that this could actually come to an end soon? If she accepts this plea deal on the 28th, it would be over. I haven't even weighed that possibility of ending in my mind because I've lost faith in there being a finite ending point. And so I'm not even considering this being the end point because I just feel like Laura's got something up her sleeve. After the last settlement conference, you told me that you noticed something different about Laura.
It's been about two months since the last one. Is there anything else you've noticed that might be different about her since then? I feel like it's just been quiet. And silence is when Laura plots. So the more silent she is, we know that she's come up with something.
She probably already has something that she's just waiting to employ after she drags it to the last second. And it's like, she already has a game plan. And it's going to probably work because it has it not worked yet in the court system. So like the very last moment, will she take a player or not? We're going to find out the day of.
I'm Stephanie Young, and this is Love Trapped. There's no way out. I know I've said this before, but August 28th, 2026, is the day we should finally find out if Laura Owens is accepting a plea deal in her criminal case or heading to trial. Ahead of that, I want to get you caught up on a few things that have happened since the last time you heard from us.
On July 9th, Laura filed a motion for declaration of indigency and eligibility for court appointed experts and investigators. In legal terms, asking to be declared indigent is a formal statement that a defendant cannot afford private legal counsel or standard court fees. If that sounds familiar, it's because she made the same request back in September 2025, which was granted. However, after a second set of indictments came down in November 2025, she had to make the request again. Here's part of her motion read by a voice actor.
Defendant is currently unemployed and living with her parents at their home where they assist her with all of her living expenses. Prior to 2025, when charges were originally brought in the previous case, Ms. Owens had a good job and a solid income. However, she has since lost all her previous sources of income and completely relies on her family for financial support. All of her savings, assets, et cetera, have been expended on her multiple legal battles, including this case.
While defendants' parents provide the bulk of her support, including providing Ms. Owens with a monthly allowance to cover expenses, they themselves are currently in federal bankruptcy proceedings. We'll get to her parents' bankruptcy proceedings in a little bit, but the part in this filing that stood out to me was that prior to 2025, Laura had a good job and a solid income. If you remember back in February, Laura had a bankruptcy hearing of her own. This is what she stated.
So on schedule, I had indicated that you had zero income, so no income from wages or operating a business, correct? Correct. And so for what time period were you saving that you had no income? I mean, I haven't ever had my life at like a $10.99 or $12,000, but I've really been supported by my family. So never in your life have you received a $10.99 or $12,000 from any business, including your own businesses?
Correct, Mark. Despite these glaring inconsistencies, Laura's request to be declared indigent was granted. Once again, that means Arizona taxpayer dollars are now partially funding her defense. I reached out to Clayton's attorney, Greg Woodnick, to get his take on it. The threshold for qualifying for appointed counsel is pretty low.
And the reason why is that people need to be represented by counsel, the system operates better that way, and it's kind of a constitutional thing. In Laura's case, though, she isn't asking for court appointed counsel. She's still represented by a private attorney, Christian looters. While it's unclear who's footing that bill, it begs the obvious question. If she can afford private counsel, how does she qualify for indigency?
I can appreciate why the optics are a little curious, because she's now had two private attorneys helping her. I don't know what's going on behind the scenes. I'm not sure I want to know what's going on behind the scenes, but I think people sometimes get confused, because there's a concept of having an appointed attorney, which Laura has qualified for previously. But there's also the concept of having the resources of an appointed attorney. According to Laura's motion, the resources she's requesting include an expert in digital forensics and may include additional experts, such as an investigator and or mitigation expert.
I read the motion is requesting resources, which means she has the advantage of private counsel, but the resources to access funds in our public defense system to hire experts and do the other things necessary to make sure she gets a fair defense. Like I said, we still don't know who's funding Laura's private counsel, but if she eventually becomes unable to afford him, the court would likely have to step in and assign a public defender. For anyone hoping for a swift resolution, that scenario brings a real risk of further delays. If there was some reason why he had to withdraw and was not able to represent her at the trial level, is there a possibility that that would cause some trial delay?
Absolutely. And the reason why sort of makes sense, and that is we wouldn't want some lawyer coming in saying, hey, judge, I'm not ready, because then it sets any defendant up for an appellate issue of ineffective assistance of counsel. And we don't want that. Whether it's Laura or any other defendant, they all deserve good representation. They all deserve prepared representation.
Hopefully that does not become an issue. And hopefully her current counsel is in a position where he can see this through until a resolution, be that by jury verdict or by plea and sentencing. There was another detail in Laura's motion that really caught my attention. It's being read by a voice actor. It should be noted that victim Clayton Eckert was awarded approximately $200,000 in attorney's fees and costs against Ms. Owens in the family paternity matter.
That debt is still outstanding against Ms. Owens. Any income defendant receives and any assets she acquires are subject to garnishment toward the payment of that debt. At the time of recording this, Clayton hasn't seen a single dollar of the judgment he was awarded in their family court case. While Woodnick's previous attempt to collect was stalled by Laura's bankruptcy filing, that bankruptcy has since been dismissed.
I asked Woodnick whether there are any current plans to pursue collection. Look, I was pretty frustrated when she filed bankruptcy on the eve of the Judgment Teder's exam. I've had plenty of good questions to ask her, and we believe there was a way to collect at least some of the significant judgments against her. My frustration went away pretty quickly when I saw the cluster fuck that the bankruptcy proceeding turned into, when I saw that Laura's statements were so heavily scrutinized by the US Attorney's Office. On July 22nd, Laura was due back in court for another status hearing in her criminal case.
This is CR2025007905, State vs. Laura Michelle Owens time set for a final trial management conference. Can I get appearances, please? I got our lawyer here at the States. Good morning.
I'm going to have a pursuit of Manhattan as it was a present meeting. After entering their appearances, the parties confirmed the August 28th settlement conference and began setting a new trial date. Ms. Owens, you need to be in my courtroom on August 28th at 2.30 for a settlement conference, then you have an FDMC, October 21st, 8.45 before me, trial assignments, October 28th at 9 o'clock before the trial assignment judge. If you fail to appear, won't wish you a few rest to get up for trial, go for trial, go for trial, go for your absence, stay in touch with your lawyer.
Thank you. We're in recess in this minute. To break this down, if Laura declines the plea offer, the case will proceed to trial. The trial assignment date is currently set for October 28th, 2026. At the trial assignment hearing, the court will officially assign a trial judge and finalize the schedule.
After that, jury selection would begin. The trial is expected to start shortly thereafter. I asked when Nick about Laura's defense strategy, if she does go to trial. It's hard for me to put myself in her defense attorney's shoes because I've seen so much, not all, but so much of the evidence against her. And in my opinion, it's pretty overwhelming.
That's why I think there's an effort to come up with a resolution short of trial, and a cautiously optimistic that that could happen. But if the matter does go to trial, the burden of proof is on the state. The state has to show beyond a reasonable doubt that she committed the 14 listed felonies. Do I think the state can do that? Yeah.
I do think the state can do that. Is it possible that the state can't meet the burden on a few of the felonies come trial? Yeah, certainly. I think if the matter did go to trial, there's more than enough evidence to find a guilty of, most if not all of the 14 felony charges. It's important to keep in mind that we might not have a definitive answer at the settlement conference on August 28th.
Laura can still try to push the trial dates even further. She could also not accept the plea deal, change your mind, and ask for another one. Right up until the moment the jury announces its verdict in open court. But if she does accept the plea deal, that will change everything. She won't go to trial.
Here's more of my conversation with Clayton from when I was in Arizona. Are you planning to go to the settlement conference on the 28th? Yeah, I am planning on going. And I find interesting because as you asked me that question, I haven't put much thought into it. I was like, yeah, of course I'm going to go.
But again, I also feel like, what's the point? Like I feel that in the back of my head. What's the point? You spoke up last time at the settlement conference. Do you plan on speaking up again if you go on the 28th?
And what do you think you'll say? I mean, I assume again the hearing is going to be a matter of like, is she going to submit for the plea or not? So as far as my response and what I want to say, my response will be based upon what she says in that moment. It's going to be an emotional response just by way of nature. She's going to accept the plea.
In much case, if she accepts the plea, I don't think there's really anything for me to say at that point because then they go to sentencing and then I will have something to say at sentencing. If she denies it and we go to court, then I still don't think I have anything to say in that moment either because it's like, OK, we're going to trial. The only thing that I would be animated on and would have plenty to say is if she asks for an extension of time, or I show up and Laura doesn't because she has some emergency surgery and she's asking for an extension of time. In that case, I will absolutely stand up and be like, judge, no more. Stop.
Stop falling for her stuff. I know we got to take stuff like this seriously, but do not. She already has repeated moments of her claiming some medical emergency. Do not take this seriously. It's like the Boy of Cried Wolf, and we have to understand she's crying wolf right now.
Do not extend it. Make her make a decision right now or make her go to trial. Have you thought about what it's going to be like to see her? Have you thought about if you're going to look at her again? It's interesting because of how she reacted last time.
And I know she listens to everything that I put out. So she obviously heard the whole like, we locked eyes and then I was confused on what message she was trying to spread. So I kind of feel like I will look at her again because she knows that that did something internally within me. Nobody comes on this planet as a bad person. So like, yeah, I make eye contact because I'm like, I still think there's a childlike version of Laura in her.
That's jovial and happy and like, it's there. It's probably suppressed so deeply, but it's like there's still a good version of her in there. As much as Clayton wants this to be over, what he really wants is honesty for Laura. Like Laura, if you just give us a sliver of truth, like we are dying for a sliver of your truth. We're tired of your lies. We're sick of your lies.
Okay, you've given us plenty of those, but we are dying for Laura's truth. Because in that truth, there'll be so much, ah, ah, that makes sense, connecting of dots and it's closure. That's what it is. It holds so much closure for all of us involved. She was starting to get worried and get scared for her safety.
Stories of survival. The only difference between me and her, frankly, was a little bit of luck because by all rights, I should be dead. Cases that everyone else called closed. They can't convict her, right? Like, she has so much evidence.
These stories all start in the same place, with a woman failed by a system that didn't believe her, that didn't protect her, that didn't see her. No child should ever experience that. And we were babies. She did all of these brave things and came out and spoke about it and he got a year. You never know who that devil is because we're in disguise.
Sometimes it's a pleasing form. Listen to what happened to her on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. I'm Hamza. And I'm Martin. And we're the host of Out of Character.
It's a podcast. I know there's a lot of them going around. But why should you listen to ours? Well, we're only the best podcast in the entire world. And we talk about pretty much everything under the sun.
For example, music we're listening to, underground music, trending music, drama in music worlds. Yes, sometimes we even talk about just everyday mundane situations in our lives, like the cool Uber driver we just had, or the food we just ate. That is surprisingly delicious. Or we'll talk about the Met Gala and the looks that they wore. Are they awesome? Are they trendy?
Come find out. Because our opinion matters. And so does yours. And this is a place where all of our minds can come together and connect. So what are you waiting for?
Come connect with us. Listen out of character from Will Ferrell's Big Money Players Network on the iHeartRadio app, Apple Pods, or wherever you get your podcasts. Every Canadian deserves a place to call home. That's why we created Build Canada Homes. We're using new technology to build more efficiently, unlocking government land to build in more places, and cutting red tape to get more projects started.
We're building more affordable homes faster, because a more affordable Canada is a stronger Canada. Learn more at Canada.ca.ca.com. A message from the Government of Canada. In addition to the criminal case in Arizona, there's another matter we've been following closely. Laura's appeal of the domestic violence restraining order dismissal in her case with Mike Maricini.
As a reminder, this is happening in California, and is completely separate from Laura's Arizona criminal case. Back in November 2025, Laura's DVRO renewal against Mike was dismissed because she didn't show up for trial, but she filed to appeal. Now, Laura's going back and forth in the appellate process. She's got multiple extensions on that appeal. Most recently, she's filed a motion to change the official record, which is causing more delays.
I reached out to Mike's attorney, Rachel Juarez, for an update. The court has now told her, this is it. You are not getting any more extensions. But the fact that she was able to get a couple of extensions on an appeal is very common. The court appears to be pretty much done granting extensions, but that's effectively what's happened.
She's gotten another extension. Appellate briefing is very complex and very precise, so those briefs take a long time to write and to do correctly, so it is not a fast process. On August 20, the court denied Laura's motion to change the official record. Her appeal is now due on September 4, 2026. If, and this is a big if, Laura files everything correctly and on time, there will still be more back and forth before we have a decision.
I wouldn't expect to have a resolution to the appeal for probably at least a year. The court may schedule it for oral arguments or may just decide on the papers, or some other things may come up, because after all, this is Laura Owens. At this point, the only path to a quick resolution is if Laura doesn't file her appeal. However, in a previous court filing, Laura stated that regardless of how her appeal turns out, she plans to seek a new domestic violence restraining order against Mike. It's shocking, I think, that she would even admit that she's intending to do that, because it really, it's nefarious.
It really shows that this is not about a legitimate fear, because right now there is no restraining order. If she were legitimately fearful of Mike, there's no obligation to wait. If this was someone who felt that there was someone coming after them who was posing a danger to them, I wouldn't expect them to wait until an appeal was finished. I'd expect them to be banging down every courthouse, every police department, every sheriff's office in the state, saying please give me protection. That's not happening.
I think that that evidence is a lack of actual fear or concern. This is all strategic. And for that reason, it would look bad to file another restraining order right now. So she's just not going to. Beyond the court filings, Rachel emphasized the sheer toll this prolonged legal battle is taking on Mike, both financially and personally.
Mike is now having a higher appellate counsel. It's specialized attorneys to fight an appeal where the person didn't even show up to court. It is the type of situation that really shows you that even if someone doesn't have a leg to stand on in court, you can still be taken through the ringer. And that's happening to Mike. And so the implications of these things that she does, even when she doesn't follow through with them, are tremendously impactful on the victims.
For now, Mike is in a holding pattern while he waits to see if Laura files her appeal. He told me he's prepared to continue the fight. For the rest of this episode, we're going to turn our attention to one of the most shocking and revealing updates from the last two months, Laura's parents' bankruptcy case. When we last left off, honorable Judge Madeline Wandsley had ordered Ron Owens and Jan Black to submit their completed paperwork, including a full accounting of funds raised through GoFundMe. On July 16th, they appeared in bankruptcy court again for a meeting of creditors.
This hearing was recorded and posted on YouTube, and we learned a lot. My name is Jennifer G. Imo. I'm an attorney with the United States Trustees Office. We are here telephonically in the matter of Elizabeth Ann Naylor and Ronald Stephen Owens.
If you're wondering who Elizabeth Ann Naylor is, that's Laura's mom, who also goes by Jan Black. According to the Bay Area Radio Museum and Hall of Fame website, Jan Black is her on-air name that she adopted while she was still in high school. Her reasoning, her given name, Elizabeth Naylor, sounded too much like that of actress Elizabeth Taylor. That's why she goes by the chosen name Jan Black. It is July 16th, 2026, and the time is 10 a.m.
May I please have an appearance by Ms. Naylor and Mr. Owens? Separately. Yes, this is Elizabeth Ann Naylor and I in the case.
Prose means they're representing themselves, without an attorney. Do you each solemnly swear or affirm that the testimony you're about to give will be the truth, the whole truth and nothing but the truth? I do. I do. OK, thank you.
Mr. and Mrs. Owens, your testimony today, I'm going to be asking you questions, and it's going to be under oath and subject to penalty of perjury. Do you understand that? Yes.
OK. Before this hearing, Ron and Jan submitted many financial documents, and Jennifer Giomo came prepared. It seems like she's reviewed everything they filed. The hearing begins with the matter of their home foreclosure and overdue mortgage payments. So let me just ask you, since you filed this case on May 22nd, have you made any mortgage payments?
No. OK, but I did notice you produced to me copies of about 18 months worth of bank statements for eight bank accounts with Bank of America, correct? Correct. OK, and I did notice that 11 days after this bankruptcy was filed, you paid about $2,900 for life insurance. Is that correct?
Correct. Help me understand how paying life insurance is a necessity while you're in a chapter 11 bankruptcy. Well, because, you know, I view it as something that is an necessity. Yeah. OK, you're saying that, but you're not getting any money currently from that life insurance policy, right?
That's money that would only come to you in the event that either you or Mr. Owens passed away. Correct. But you think that it was more important to pay life insurance instead of your mortgage on your home you're living in? They continue this back and forth about if the life insurance payment was responsible or necessary.
Jan says that in order to save the house, they'd have to pay for the remainder of the mortgage balance in full. That number would be over six digits, or they can make a monthly payment that would be over $13,000. According to Jan's logic, that's why she continued paying for their exorbitantly expensive life insurance over their mortgage. So it didn't seem like a $2,900 payment would have, you know, has done anything at all to save the house at that point. Do you know whether the foreclosure is going to proceed?
We were notified that they have pushed out the fourth load of September the 29th. And our hope is that we will be able to reach some sort of resolution before then. I want to talk to you about the GoFundMe account that you set up. You've already heard about the GoFundMe page for Ron Owens. At the time I'm recording this, it's still up and running.
The WayGoFundMe works. There's usually a named organizer who sets up the page on behalf of the beneficiary. If you go to Ron's GoFundMe page, you see that the organizer just uses the initials L.L. Jennifer Giamo had some questions about the organizer. Let me ask you, are you the person that set up that GoFundMe page for Mr. Owens?
The GoFundMe was the idea of friends who knew that we were based on the GoToL and the tremendous support and following that my husband has had over the years that it would be a good day to reach out to people who might want to help. Okay. And so who's the person that authored the request for the donations on GoFundMe? Who wrote that? That was initially authored by someone who was a friend who had decided once they were on with the spare campaign against us, did not want their name attached to it.
I had administered the funds that were going into my husband's account. But I need to know the name of the person who authored the GoFundMe donation request. Well, I'm the one who... I asked who authored it. Who's the person that chose these words?
Who wrote it? The silence between the question and Jan's answer is deafening. You can hear her wheels turning. Well, you said it was one friend that doesn't want to be involved and I'm sorry, but I need to know his name. What's his name?
Well, then it was... No. Miss Owens, you already testified. I think that I should do... No, you said that you indicated that there was one individual who wrote out this request for the donations and that after drafting it, that person did not want to be associated any longer with the GoFundMe due to what you call a smear campaign.
I need to know the name of that. Hold on, let me finish. I need to know the name of the individual who wrote this donation request. I know you're trying to resist it. I know that person doesn't want to be involved, but they are involved.
So you need to give me the name of the individual, please. Well, I'm the one that finalized. But this was informal. These were informal conversations about what should be said and I final conversations with more than one friend who suggested it. So I posted it.
Okay. So you're not going to give me the name of that individual. Is that correct? Well, because it wasn't... I don't want to know why I'm asking.
Are you going to give me the individual's name yesterday? No, you said that originally authored this. I'm saying put it on me. I'm saying I'm the one that posted it. I finalized it.
But that's not what you said. You originally said somebody else drafted it and my question to you is, are you going to give me the name of the person that you testified a few moments ago initially drafted this donation request? Are you going to give me that name? Yes or no? That there were informal conversations at the last.
I can't have it to be targeted by these people. So who was that person? I thought you. I realized it. No, who was that person?
Hold on, let me finish. Who was the individual that said to you, I don't want to be a part of this? Who was that? Her name, because as I say, these were conversations, I realized it. I'm taking full responsibility.
These were informal conversations with people who said, this is what we are to say and this is what we are to say. But I finalized. When I first started researching this case, I was told there might be a real person behind the initials LL. A source gave me a name to look into, someone who used to be a friend of Ron's in San Francisco. I tracked down LL and messaged him on signal.
LL confirmed that he's donated once to Ron's GoFundMe. But when I asked him if he'd been the organizer, he wrote quote, no, definitely not me. It's also not lost on me that L is Laura's initial. And the writing on the GoFundMe page sounds awfully familiar. The reason that I'm asking for this, Ms. Owens, is because it's important to understand what the
intent was when this was drafted. And you initially said that a family friend drafted this, but it's apparent to me that you are not going to give me the name of that person. So I'm going to move on. But you are now saying that you're going to take full responsibility for the drafting and posting of this GoFundMe post and request for donations, correct? Yeah.
For a female pine news network, homeowners Tony and Janet needed to consolidate their debt. They called Alpine credits in a flash. And Alpine credits superhero appeared in their kitchen. Using telekinesis, she consolidated their debt into one low monthly payment. She then used her powers to make the dirty dishes disappear forever.
Own your home, need a loan, Alpine credits can help. Alpine credits where homeowners get approved. I'm Melissa Jeltzen, and in my new podcast, what happened to her, I'm bringing you new stories and conversations every week. Stories about women whose deaths were too quickly ruled as suicide. She was starting to get worried and get scared for her safety.
Stories of survival. The only difference between me and her, frankly, was a little bit of luck, because by all rights, I should be dead. Cases that everyone else called closed. They can't convict her, right? Like, she has so much evidence.
These stories all start in the same place, with a woman failed by a system that didn't believe her, that didn't protect her, that didn't see her. No child should ever experience that. And we were babies. She did all of these brave things and came out and spoke about it and he got a year. You never know who that devil is because we're in disguise.
Sometimes it's a police uniform. Listen to what happened to her on the iHeartRadio app, Apple Podcasts, or wherever you get your podcast. I'm Hamza. And I'm Martin. And we're the hosts of Out of Character.
It's a podcast. I know there's a lot of them going around. But why should you listen hours? Well, we're only the best podcast in the entire world. And we talk about pretty much everything under the sun.
For example, music we're listening to. Underground music, trending music, drama in music worlds. Yes, sometimes we even talk about just everyday mundane situations in our lives, like the cool Uber driver we just had. Or the food we just say that is surprisingly delicious. Or we'll talk about the Med Gala and the looks that they wore.
Are they awesome? Are they trendy? Come find out. Because our opinion matters. And so does yours.
And this is a place where all of our minds can come together and connect. So what are you waiting for? Come connect with us. Listen out of character from Will Ferrell's Big Money Players Network. On the iHeartRadio app, Apple Podcasts, or wherever you get your podcast.
From one of the century, Miss America's sold the country of fantasy. Well, you're ready ladies. Yeah, here we go. But over the past decade, the crown's been slipping. They said goodbye to swimsuits now.
Hello to lawsuits. I'm Brigitte Armstrong. Last season, we took you inside the world of America's next top model. Now I'm back with Season Two of this podcast, Curse of Miss America. Investigating the rise, fall, and uncertain future of one of America's most iconic institutions.
The Miss America pageant. I never received a scholarship I need to pay for my student loans. He looks and he goes, you don't look like these suffered in eating disorder. It's great, but looks too ethnic. It's a story the Miss America organization really doesn't want us to tell.
An exploitation of all of Miss America's is treated by the Miss America organization as an attack on Miss America itself. Listen to the courage of Miss America on the iHeartRadio app, Apple Podcasts, or wherever you get your podcast. Laura's parents, Ron Owens and Jan Black, were in the thick of their bankruptcy meeting of creditors and the attorney for the US trustee, Jennifer Giamo, wasn't holding back. The story quickly caught the attention of the press, making headlines in the New York Post, the San Francisco Chronicle, and Inside Radio.
Because for the first time, we were really getting some answers about the Owens family finances. I'm going to tell you something after having gone through your bank statements. Okay. The spending that you and Mr. Owens expended, the total disbursements out of all of your accounts for the time period from December 27th, 2024 through June 25th, 2026, the total disbursements is over $523,000.
Did you know that? That doesn't sound right for a year and a half. That is, well, you might not think it sounds right, but that's all disbursements out of just account 0140, total over $523,000. After looking over their financial documents, Jennifer Giamo noticed how few payments the Owens had made towards medical expenses. So what raised the question?
What were they spending the GoFundMe donations on? Okay. So as the person who authored and is 100% responsible for the posting of this donation request, do you recall that the post referenced Mr. Owens' extreme medical troubles? Yes.
Do you agree that the suggestion from this post was that you needed money to cover medical bills? No, that was not specifically saying that he had had extreme, but simply say all of these medical issues. Okay. Because it's- I don't think they're getting nothing in there that's specifically- Well, it doesn't say that, but it does say, and I will quote you, these medical struggles have taken a toll both physically and financially on the man who has been a pillar of strength for so many.
So you see how I tie the medical struggles to the financial because you say it right there. These medical struggles have taken a toll both physically and financially. So what did you mean by that when you put that in the donation request? Wrong retired in 2021. He's 80 now, and he receives a generous pension.
He and Jan's combined pension and Social Security is around $21,000 a month. That information is publicly available in their bankruptcy documents. And let me ask you, were there any specific medical bills that you intended to be able to pay using GoFundMe funds? Not that I recall, but again, the way that it was phrased, the way that I recall it being phrased because we had financial struggles to be healthy because we were in that.
Okay. Well, let me just back up. You mentioned that the GoFundMe funds you intended to use to pay your mortgage and pay credit card bills and get out of debt. That's what you just said a few moments ago, correct? Correct.
Okay. So basically what you're really telling me is that you were using the GoFundMe to clear yourself of debt. Is that what you're saying? According to a record filed by the US trustee, over the 18 months where their finances were reviewed, their health care and pharmaceutical expenses totaled around $17,000. That's only 2.7% of their net spending.
During the time period where they were pulling money from the GoFundMe, around 61,000 went to mortgage payments and around 44,000 went to business expenses. Their spending also included online shopping, restaurants, and food delivery, specifically exceeding $1,200 per month. The bottom line is that you were saying that you wanted to pay past debt, including credit card debt, right? Well, yeah, because the credit cards weren't paid, we wouldn't, you know, the opportunity to continue to pay for food. Well, Mike, for example, one of the credit cards that you deemed it necessary to generate funds from a donation through GoFundMe was Macy's.
You thought it was essential to get donations to pay your Macy's bill? I'm asking, no, no, no, no, no, no, but hold on, you have to answer my questions, Miss Naylor. I am asking you, did you think it was necessary to ask for donations through GoFundMe to pay a Macy's credit card bill? Well, we didn't ask for it to go fund me to pay a Macy's bill. No, we did not.
However, that's what you used. Hold on. However, you admit that you used GoFundMe funds to partially pay a Macy's credit card bill. Jan denies it, but there's not really a way for her to prove that she didn't use the GoFundMe donations for things like Macy's credit card bills, because it's revealed in this hearing that the donation money was, quote, commingled. Basically, it was put directly into their account along with their other incomes.
So in some way, it sounds like the GoFundMe funds were being used. Well, let's just admit this. The GoFundMe funds were commingled with your income from pension and social security, correct? They came in specifically to my husband's account and the only thing other than the GoFundMe that comes into that account for him is his social security. And then we made transfers from his account to our main checking account to disperse for bills that needed to be paid.
Jan had been specifically asked to submit an accounting of how the GoFundMe donations were used, and she turned in something. But once Jennifer Giomo starts digging into the specifics, Jan says she didn't have a full understanding of what she needed to provide. Honestly, it sounds like Jan wasn't able to determine where the funds went. All right, no, no, I can't miss.
Miss Nail or no, I'm not going to allow you to use this as a platform to just start going off. No, stop. I had asked a very specific question. I want to at least have you admit that you provided me with a document that you titled Accounting of GoFundMe funds. Will you admit that?
Yes. Okay. All right. There were a few other expenses that baffled the US trustee. I see a lot of payments to Laura, and to Sarah Owens, there was over $20,000 of payments to your daughter.
The documents revealed that over $21,000 had been paid to their oldest daughter, Sarah Owens-Navaro, with money going to her as recently as May 2026, the same month Ron and Jan filed this bankruptcy case. You chose to pay your daughter instead of the mortgage directly, correct? You made that choice. I'm asking you, did you make that choice? Yes or no?
No, it's a yes or no question, Miss Nail or what? Did you or did you not make the decision to pay your daughter to reimburse her instead of pay the mortgage on your home? That wasn't to pay the mortgage on that. Does not, I'm not asking that. I'm not asking that.
I'm asking you chose, did you not to pay your daughter to reimburse her over $20,000 of money instead of paying that money to the mortgage fee? Is that right? That's what you did. Just admit that that's what you did because I don't know how you denied it. You made that choice because that's what you did, correct?
Yes. Oh, there you go. I don't want to hear the explanation. I don't need an explanation. I just wanted you to acknowledge that that's what you did.
The US trustee then turned her attention to the money that Ron and Jan had given to Laura. I am looking at your statement of financial affairs that was docked at yesterday and it says that you have for between 2024 and 2025 that you gave gifts to Laura Owens in the total amount of $19,608, correct? Correct. Yes. Okay.
Well, tell me how you calculated that amount. From the fact that we pay for a car. No, I need to know specifically how you came up with the amount $19,608. That's a very specific amount, Miss Naylor. And I want to know how you calculated it.
Do you have an itemization somewhere that you wrote down like what it was that you included in that as gifts to your daughter? You know, I was ballparking it. You ballparked a number and said $19,608 for a ballpark figure? Well, you know, again, if you're talking about day to day and having to go back. No, I'm asking you, you just say that you ballpark to figure.
If you're going to ballpark a figure, wouldn't it be a round number? You said $19,608. That's a very specific number. How did you ballpark and figure at $19,608? You just came up with that out of nowhere?
So made up figure? Jan couldn't come up with an answer, but Miss Giomo had already crunched the numbers. Take for example, Laura's car and car insurance, which Jan had admitted she and Ron pay for. Okay, so I just calculated if you take the amount of the car payments and the car insurance payments for a two-year period, that's over $25,000. So clearly, the figure that you gave for gifts is understated, wouldn't you say?
Jan bulks at this, saying that the car is shared by the whole family. Separate from the $19,000 she reported in gifts to Laura, there were some other Laura-related payments. So your bank records reflected on July 9th, 2025. You paid $1,500 to Josh Coles-Rud. Then on July 10th, 2025, you paid $1,500 to Josh Coles-Rud.
And on July 11th, 2025, you paid $500 to Josh Coles-Rud. So that's total of $3,500 to Josh Coles-Rud, who was your daughter's criminal defense attorney at one point? Is that correct? Josh Coles-Rud was Laura's first criminal defense attorney. He was replaced in November 2025 by a public defender.
After the courts granted Laura indigency status, the first time. Why didn't you include that? When you paid that money, was that a gift to your daughter? Well, it wasn't your legal expense, it was your daughter's legal expense, right? So why isn't that included among the amount that you gifted to your daughter on your sworn statements?
Again, because I don't really consider that a gift, I consider that a gift. Of your daughter, correct? Well, you're going to claim, wait a minute, wait a minute, just stop. Are you going to sit here and claim that the attorney payments to your daughter's attorney, Mr. Coles-Rud, was anything for you, other than a payment for your daughter's criminal defense?
That was for her criminal defense. He was her lawyer, not your lawyer, right? Well, part of our family businesses, including our podcast, a part of, I think that helping your defender result on that. Either you admit that they were gifts or you don't? Yes or no? Just tell me yes or no?
If you don't think they were gifts, say, I don't think they were gifts. I would say I don't see it as a gift, I see it as an expense for the reputation of the family. Then we get to the question everyone wants answers to. Okay, so I understand just from public information that your daughter has a private criminal defense attorney currently, correct? Are you paying for that attorney? No. Who's paying for that?
I don't know, I have not addressed it with her. She knows that we don't have the funds to you have no idea how your daughter lives with you and who completely relies on you for all of her support is paying for criminal defense attorney and for pending felony counts against her. Is that what you're telling me? You have no idea? I'm telling you, she knows that we don't have the funds to help her at this point and she has others to have details of it. I don't know.
So you have no idea how your daughter's paying for her current criminal defense attorney? Is that what you're saying? I'm saying. No, is that what you're saying? Either you do not know or you do know?
I'm saying we told her we can't help her with it and I know that she has reached out to others to help her and I don't know the details. Okay, so you're expecting me to believe that the daughter that you support fully and who lives with you has not told you how she's able to pay for her criminal defense attorney currently? Is that what you're saying? Yeah. Okay.
At the end of this hearing, Jennifer Giomo asks Ron and Jan to come in person for a deposition, but that didn't happen. Instead, all parties agreed to dismiss the bankruptcy filing. And just a reminder, this means the filing is dismissed, not their debts. They made it official in a hearing on August 6th, 2026. Is Chaper 11 cases dismissed under 11 USC sexual 12B? Ron and Jan were supposed to be there in person for this final hearing, but they requested
to meet on Zoom because of the summer heat in Arizona. Thank you very much for allowing us to appear via Zoom with the heat today. It's a lot more comfortable for my husband and for me. So thank you. With that, the case was over. Ron and Jan are barred from filing for bankruptcy for another two years.
And at the time I'm recording this, the foreclosure auction on their home is scheduled for September 29th 2026. But even though this bankruptcy case was dismissed, we did learn some critical information about the Owens family. They testified under oath that they're not the ones paying for Laura's current criminal defense attorney, Christian looters. So if they're not and Laura has filed for indigency, who's paying that bill? On August 28th, the day after this episode comes out, Laura has a settlement conference in her criminal case. There, she could take a plea deal,
or she could decide to go to trial. I'll be at the courthouse in person along with Clayton. Do you want to make one final prediction of what you think is going to happen tomorrow? Yeah, we're going to trial. That's what you think. We're going to trial. That's my prediction.
I'll gladly be wrong, but I feel very strongly that Laura until she breaks, she won't stop. I've always been wrong though. I've always been wrong. You always give the disclaimer. That's why I say it because I'm always wrong.
Clayton's been making the same prediction since the beginning. I find myself aligned with Rachel Juarez, who believes Laura will eventually take a plea deal. I think I've always been less skeptical that she will take a plea deal than others. I think she will. And I think eventually that will happen.
But I would be very surprised if she actually just accepted the plea deal in a straightforward way. On August 28th, that's not really her style. I don't believe she's going to do so until literally the 12th hour. Forget the 11th hour. She'll push it past the 11th hour. I think she will take this to the
very bitter end, whether that includes picking a jury, starting a trial, getting to the courthouse steps. So I don't think she will accept a plea on August 28th. Then there's Greg Woodnick, who also predicts she'll accept a plea. Maybe I'm wrong, but I thought the resolution of the case was going to be my plea the whole time. Should Laura choose to go to trial? Totally her choice. I think the outcome is significantly worse
if she goes to trial, both in terms of sentencing and also the personal exposure for having the world hear everything. And one of the advantages to her pleading is that she gets to control the narrative a little bit. And she gets to pick a few of the offenses that she please guilty to and the judge will sentence her accordingly at that sentencing, which would not happen on the settlement conference day. The court would set out a sentencing time once the plea was entered. Greg gets to come in and speak as peace as a victim. Clayton gets to do it. Stormy, whose ultrasound Laura borrowed, would get to come in
and speak their peace about what they think an appropriate resolution would be. And then the judge ultimately gets to make the decision. There's a lot of different opinions on what will happen at the settlement conference on August 28th. That's because Laura is notoriously difficult to predict. But if she does accept the plea deal, this case might finally be over.
Listen, it's been a long run. And I actually think it would be healthy for everybody if it was over. It's time to move on. But that doesn't mean over for the sake of being over. It means over with an appropriate resolution and an appropriate consequence for Laura that assures that this never happens again and that she's appropriately consequence for the damage she has done for years.
As I finished my call with Woodnick, I asked him if he worries that Laura will continue the same behavior that got her here in the first place. I'm concerned, Stephanie, and I'll probably reserve comment on that until after sentencing. Thank you so much for listening. Please be sure to follow Love Trapped on Apple Podcasts, the iHeartRadio app, Spotify, or wherever you get your podcasts.
And please leave us a review. A five-star rating helps others find the show. We're grateful for your support. If you would like to reach out to the Love Trapped team or have a similar story to share, email us at lovetrappedpod at gmail.com. That's lovetrapped p-o-d at gmail.com. Love Trapped is a
production of Glass Podcasts, a division of Glass Entertainment Group in partnership with iHeart Podcasts. This show was executive produced by Nancy Glass, Andrea Gunning, and Ben Federman, written, produced, and hosted by me, Stephanie Young. Our story editor is Monique LeBord. Producer on this episode is Sydney Glado, additional production support from Todd Gans. Our production manager is Kristen Melcury. For iHeart Podcasts, Allie Perry was our executive
producer. Audio editing and mastering by Anna McLean, additional editing support by Matt Novecchio. Thank you to our voice actor, Carrie Hartman. This podcast was developed in collaboration with Danny Passman and Lev Abramoff at Crybaby Media. The Love Trapped theme is composed by Oliver Bains, music library provided by MyTheMusic. A special thanks to Carrie Lieberman, Will Pearson, Jessica
Cryingchek, Allie Cantor, and the entire iHeart Podcast team. And for more podcasts from iHeart, visit the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Host of the What Happened to Her podcast, we're kicking off the season with the Sandra Burchmore story, a case the police wrote off as a suicide in a snowstorm. Her family never bought it, and the man they suspected wore a badge. You never know who that devil is because he's wearing disguise. Sometimes it's a police uniform. And you can get access to all episodes 100% ad-free,
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