I believe the Actor that says"Thats just Earl" is M.C. Gainey,an actor that plays "Mr Friendly" or "Tom" from the ABC series "Lost"...
Actually, the actor who specifically says the line, "Oh, that's just Earl" for this Capitol One commerical is Grady Lee Richmond, aka Gary Richmond. He also does the voice-over for the Johnson Autogroup commericals of "Grady the Badger". Check out the commercials on. They're hilarious! Here are the actors for the Capitol One commercial:
Hobo 1 - Grady Lee Richmond, "That's just Earl."
Hobo 2 (Earl) - Stig Eldred
Grandmother (gets thrown off the train) - Olivia Prendergast
Dad - Brian Frates
Mom - Beth Kayes
Daughter - Olivia Tennet, "What's that smell?"
Son - Caleb Griffiths
Most people are homeless due to circumstances that have overwhelmed them combined with the lack of a family support structure. Others, particularly teens, often become homeless due to an actively hostile, perhaps even hazardous, abusive, or non-supportive family environment. Average people without a good friend and family support structure can be overwhelmed by events such as domestic abuse, divorce, unemployment, or illness and become homeless as well.
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