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What did he say he needed the loan for?
2
00:00:02,200 --> 00:00:03,133
To get a vehicle.
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00:00:03,200 --> 00:00:08,533
I thought that it was given to me
because we were, like, really cool.
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Do you understand
how foolish that sounds?
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00:00:10,500 --> 00:00:11,433
Yes.
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The only people that
do that sort of thing,
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usually as my great-grandmother
would call them,
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00:00:16,200 --> 00:00:17,133
bums.
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[announcer]
This is Judy Justice.
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[theme music playing]
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{\an8}[announcer] Vanness Howard
is suing her former friend,
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00:00:39,000 --> 00:00:41,667
{\an8}Auntrell Brooks, for a car loan.
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[bailiff]
Court, come to order. All rise.
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Have a seat, everyone.
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- Hello, Judge.
- Hello.
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00:00:49,166 --> 00:00:51,066
Case 2108,
Howard versus Brooks.
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00:00:51,133 --> 00:00:52,367
- Thank you.
- You're welcome.
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Miss Howard, your case is simple.
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You claim a loan to the defendant
for the down payment on a car.
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Yes.
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00:00:59,633 --> 00:01:01,233
When did you make this loan?
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On March 24th of this year.
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[Judy]
How much was it?
24
00:01:04,467 --> 00:01:07,433
{\an8}I gave him 1500 and he paid 300.
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00:01:07,500 --> 00:01:08,567
{\an8}[Judy]
Where did you take the money from?
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- I had it at my home.
- [Judy] In cash?
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Yes.
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What kind of work do you do?
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00:01:13,133 --> 00:01:14,900
I'm a hairstylist.
I'm a owner-operator.
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00:01:14,967 --> 00:01:16,200
- [Judy] Okay.
- Yeah.
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00:01:16,266 --> 00:01:17,767
And that's the sole source of your income?
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00:01:17,834 --> 00:01:21,066
Yes. I own a salon business.
I'm opening my second one.
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[Judy]
Tell me how you know the defendant.
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00:01:22,834 --> 00:01:26,367
{\an8}He was a client
of a former stylist many years ago,
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{\an8}so I met him through her salon.
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00:01:28,133 --> 00:01:30,567
[Judy] Did you have
any sort of relationship with him?
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00:01:30,633 --> 00:01:32,367
- At the time, no.
- [Judy] No.
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00:01:32,433 --> 00:01:35,066
At the time that you gave him this loan.
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00:01:35,133 --> 00:01:36,166
We were friends.
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00:01:36,233 --> 00:01:38,200
[Judy]
What did he say he needed the loan for?
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00:01:38,266 --> 00:01:39,333
To get a vehicle.
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00:01:39,400 --> 00:01:40,400
To get a car?
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00:01:40,467 --> 00:01:43,000
He was at Mercedes
trying to purchase another car.
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00:01:43,066 --> 00:01:46,834
And I knew he had a baby on the way,
so I felt there was...
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00:01:46,900 --> 00:01:48,200
I wanna know what he said to you.
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00:01:48,266 --> 00:01:50,834
He said that he needed help
with a down payment.
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00:01:50,900 --> 00:01:53,500
He was short some for a down payment
on a car that he wanted.
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00:01:53,567 --> 00:01:55,834
[Judy] Did you have that conversation
on the phone or in person?
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00:01:55,900 --> 00:01:59,467
Yeah, he called me
and asked me for originally $2500
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00:01:59,533 --> 00:02:01,300
to help him with the down payment.
51
00:02:01,367 --> 00:02:03,667
And I told him,
"Well, I don't know if I have that much."
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00:02:03,734 --> 00:02:05,166
I'll see what I can get 'em."
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00:02:05,233 --> 00:02:07,900
I had the 1500,
he came to pick it up at my home.
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00:02:07,967 --> 00:02:09,700
And that was on the 24th of March?
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- Yes.
- [Judy] When did you purchase your car?
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I believe it was the 24th as well.
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Do you have any paperwork for the car?
What paperwork do you have there?
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I just wanna see
what you brought with you today.
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Basically, the lienholder paper.
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And what is that supposed to tell me?
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I believe it has the date on there
when I purchased it.
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[Judy] Okay. And how much
did you put down on the car?
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00:02:29,834 --> 00:02:31,066
Nine thousand.
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00:02:31,133 --> 00:02:32,967
- [Judy] Did you trade in a car?
- No.
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Why did you need $2500 from her?
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00:02:36,233 --> 00:02:39,467
I actually didn't ask for it.
I just mentioned to her that I needed it.
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00:02:39,533 --> 00:02:40,400
[Judy]
No, just a second.
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- I asked you a question.
- [Auntrell] Okay.
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00:02:42,367 --> 00:02:45,200
[Judy] Why did you need extra money
towards the down payment?
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00:02:45,266 --> 00:02:48,200
Did it affect the payments?
Did it affect the insurance?
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00:02:48,266 --> 00:02:50,100
- Did it affect the premium?
- [Auntrell] Yes.
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00:02:50,166 --> 00:02:56,100
Basically, the car, it was, like, 74,000,
so if I was to put down a lower payment,
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like you were saying, the payment
would be higher for the monthly.
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00:02:58,967 --> 00:03:02,467
So if I put down a little more,
it dropped it down a little bit.
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00:03:02,533 --> 00:03:03,834
Yeah!
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00:03:03,900 --> 00:03:04,834
Yeah.
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00:03:04,900 --> 00:03:06,400
Uh-huh.
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00:03:06,467 --> 00:03:07,433
[chuckles] Yeah.
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00:03:07,500 --> 00:03:11,033
- So she gave you $1500?
- [Auntrell] Mm-hmm.
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00:03:11,100 --> 00:03:12,700
- [Judy] Not 25.
- Yes.
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00:03:12,767 --> 00:03:14,834
- [Judy] But she gave you 1500?
- Yeah.
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00:03:14,900 --> 00:03:17,633
And she gave that to you around
the same time that you purchased the car.
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00:03:17,700 --> 00:03:19,900
Were you current in your insurance
payments on the car?
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00:03:19,967 --> 00:03:20,700
Yes.
85
00:03:20,767 --> 00:03:22,867
- [Judy] And then you crashed the car?
- Yes.
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00:03:22,934 --> 00:03:27,333
{\an8}And the insurance company
paid the lienholder on the car?
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00:03:27,400 --> 00:03:28,166
{\an8}Yes.
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00:03:28,233 --> 00:03:29,500
- Made the payout?
- [Auntrell] Yes.
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00:03:29,567 --> 00:03:31,500
So you didn't get any money
from the insurance?
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00:03:31,567 --> 00:03:32,767
None. Nothing. No.
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00:03:32,834 --> 00:03:35,066
[Judy]
So now you have no car, right?
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00:03:35,133 --> 00:03:37,633
- I don't know if you have a car now.
- I have a car, yes.
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00:03:37,700 --> 00:03:39,266
- Well, you got another car?
- [Auntrell] Yes.
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00:03:39,333 --> 00:03:41,000
[Judy]
What kind of car did you buy?
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00:03:41,066 --> 00:03:42,033
A Tesla.
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00:03:42,100 --> 00:03:44,033
A Tesla. And how much
did you pay for the Tesla?
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00:03:44,100 --> 00:03:46,533
I put down, like, 8,000.
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00:03:46,600 --> 00:03:48,066
Where'd you get the 8,000 from?
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00:03:48,133 --> 00:03:52,667
{\an8}I work at a place where I have...
I hold traveling nurses.
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00:03:52,734 --> 00:03:56,233
Did you take the money out of a bank
or did you have it in cash?
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00:03:56,300 --> 00:03:57,300
I had it in cash.
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00:03:57,367 --> 00:03:58,934
- [Judy] The 8,000?
- Yeah.
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00:03:59,000 --> 00:04:01,667
How much money do you make
from this business that you have?
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00:04:01,734 --> 00:04:06,233
It varies depending on
how many nurses I have staying there.
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00:04:06,300 --> 00:04:08,200
So you own the property?
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00:04:08,266 --> 00:04:10,900
- Or do you manage the property?
- I manage the property.
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So it's basically housing nurses
or people that travel for business.
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00:04:15,000 --> 00:04:17,166
And how long have you had that business?
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00:04:17,233 --> 00:04:20,834
I've been doing that for
maybe a couple years now.
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00:04:20,900 --> 00:04:22,333
That's how you support yourself?
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00:04:22,400 --> 00:04:26,800
That and I do training as well,
fitness training.
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00:04:26,867 --> 00:04:31,633
Okay. So now you paid back $300
of the 15, right?
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00:04:31,700 --> 00:04:33,367
I gave her $300.
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00:04:33,433 --> 00:04:36,033
{\an8}Right. And when
did you give her the $300?
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00:04:36,100 --> 00:04:38,133
{\an8}I'm not quite sure the date, but...
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{\an8}[Judy]
Tell me a month.
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00:04:39,467 --> 00:04:41,100
I'm not quite sure.
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00:04:41,166 --> 00:04:42,433
[Judy]
When did he give you the $300?
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00:04:42,500 --> 00:04:43,667
May 17th.
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00:04:43,734 --> 00:04:44,467
Okay.
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00:04:44,533 --> 00:04:46,734
Tell me why you gave back the $300.
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00:04:46,800 --> 00:04:50,100
I gave it back to her because
she basically...
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00:04:50,166 --> 00:04:51,667
{\an8}[Judy]
Not basically. This isn't basic.
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00:04:51,734 --> 00:04:56,633
{\an8}Well, 'cause she kept asking for it,
so just to get her off me for a second.
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00:04:56,700 --> 00:04:58,900
So I gave her $300, yes.
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00:04:58,967 --> 00:05:02,734
I didn't feel like I owed it to her
because I thought that, you know,
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00:05:02,800 --> 00:05:07,667
it was given to me
because we were, like, really cool.
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00:05:07,734 --> 00:05:09,400
Ah. Uh...
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00:05:09,467 --> 00:05:12,100
- Just a second. Okay.
- [laughs]
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00:05:12,166 --> 00:05:14,967
- [laughs]
- [Judy] All right, well, Miss Howard.
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00:05:15,033 --> 00:05:16,300
You can't be serious.
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00:05:16,367 --> 00:05:17,834
- [Judy] Miss Howard.
- Yes, ma'am.
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00:05:17,900 --> 00:05:20,533
How long have you been operating
your two salons?
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00:05:20,600 --> 00:05:25,200
I'm opening a new now.
And the first one was opened in 2012.
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00:05:25,266 --> 00:05:27,667
- [Judy] Do you live with anyone?
- My children.
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00:05:27,734 --> 00:05:29,000
How many kids do you have?
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00:05:29,066 --> 00:05:29,834
[Vanness]
I have three.
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00:05:29,900 --> 00:05:33,967
{\an8}- [Judy] How old are they?
- I have a 17, 18, and 21-year-old.
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00:05:34,033 --> 00:05:36,934
- Big kids.
- Yeah, college and high school. Yes.
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00:05:37,000 --> 00:05:39,233
- [Judy] Who supports them?
- I do.
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00:05:39,300 --> 00:05:40,633
- [Judy] From your work?
- And their father helps too. Yes.
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00:05:40,700 --> 00:05:42,867
From your work.
Do you live with their father?
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00:05:42,934 --> 00:05:43,900
- [Vanness] No.
- No.
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00:05:43,967 --> 00:05:45,667
- But he also helps?
- Yes, he does.
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00:05:45,734 --> 00:05:49,667
And you sound like
a really intelligent, put-together woman
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00:05:49,734 --> 00:05:53,233
who's had her own business,
who's got three kids, college kids.
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00:05:53,300 --> 00:05:54,066
Yes.
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00:05:54,133 --> 00:05:55,834
- Moving forward.
- [Vanness] Yes.
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00:05:55,900 --> 00:05:57,166
Why?
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00:05:57,233 --> 00:05:58,867
[laughs]
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00:05:58,934 --> 00:06:00,333
Why do you think?
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00:06:00,400 --> 00:06:02,667
You know, I know that you work
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00:06:02,734 --> 00:06:05,667
because if you're a hairdresser
and that's your source of income,
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00:06:05,734 --> 00:06:06,700
you work really hard.
155
00:06:06,767 --> 00:06:09,266
It takes a long time
to accumulate $1500.
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00:06:09,333 --> 00:06:11,367
You know, I'm sure you get
some tips and stuff.
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00:06:11,433 --> 00:06:12,900
That's the cash that you keep.
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00:06:12,967 --> 00:06:13,700
Yeah.
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00:06:13,767 --> 00:06:17,333
So you work hard
and you've got three kids who need money.
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00:06:17,400 --> 00:06:20,033
He wants to buy an uber-expensive car.
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00:06:20,100 --> 00:06:23,166
And he wants his payments to be lower.
162
00:06:23,233 --> 00:06:24,767
So he says to you...
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00:06:24,834 --> 00:06:26,867
Not that he needs it.
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00:06:26,934 --> 00:06:28,967
See, he doesn't need it to get a car.
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00:06:29,033 --> 00:06:31,033
He wants it to make his payments lower.
166
00:06:31,100 --> 00:06:33,000
That's not how he presented it to me.
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00:06:33,066 --> 00:06:34,567
[Judy]
How did he present it to you?
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00:06:34,633 --> 00:06:37,533
He said he needs help, he needs the money
for the down payment.
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00:06:37,600 --> 00:06:41,133
And I knew he told me that,
you know, the situation,
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00:06:41,200 --> 00:06:43,166
his car got taken away or whatever.
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00:06:43,233 --> 00:06:44,300
{\an8}[Judy]
His car got what?
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00:06:44,367 --> 00:06:46,967
{\an8}His previous vehicle
was taken from him.
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00:06:47,033 --> 00:06:48,066
- From how?
- [Vanness] I don't know.
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00:06:48,133 --> 00:06:49,967
[Judy]
What kind of a car did you have?
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00:06:50,033 --> 00:06:51,266
[laughs]
176
00:06:51,333 --> 00:06:52,700
Before you bought the BMW.
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00:06:52,767 --> 00:06:54,567
That's what it was. It was a BMW.
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00:06:54,633 --> 00:06:56,100
Oh, then your bought a Mercedes?
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00:06:56,166 --> 00:06:57,700
- Yeah.
- [Judy] Okay, so you bought...
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00:06:57,767 --> 00:06:59,133
Sorry, I got that confused.
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00:06:59,200 --> 00:07:02,266
You bought the Mercedes
using some of her money.
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00:07:02,333 --> 00:07:04,934
Before that, you had a BMW?
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00:07:05,000 --> 00:07:05,734
Yes.
184
00:07:05,800 --> 00:07:07,300
Okay, and now you have a Tesla.
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00:07:07,367 --> 00:07:08,934
Do you understand how foolish that sounds?
186
00:07:09,000 --> 00:07:09,900
Yes.
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00:07:09,967 --> 00:07:11,500
You don't wanna sound foolish.
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00:07:11,567 --> 00:07:14,967
Well, like I said,
he had a baby on the way any day now
189
00:07:15,033 --> 00:07:18,066
and my compassion
for the situation, I was like,
190
00:07:18,133 --> 00:07:19,266
"Okay, I'll give you that."
191
00:07:19,333 --> 00:07:21,400
And I know he's had a source of income.
192
00:07:21,467 --> 00:07:24,266
It's not like I've ever known him
not to have an income.
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00:07:24,333 --> 00:07:26,367
So I felt like,
"Okay, he'll do right by me."
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00:07:26,433 --> 00:07:28,767
Of course, he didn't, we see.
195
00:07:28,834 --> 00:07:31,533
Do you know how many people
stand in exactly that spot
196
00:07:31,600 --> 00:07:33,133
and say, "You know, I trusted him,
197
00:07:33,200 --> 00:07:35,400
he gave me this story,
he gave me that story"?
198
00:07:35,467 --> 00:07:36,200
Yes.
199
00:07:36,266 --> 00:07:40,700
And what I'm telling you is,
most of the people standing there,
200
00:07:40,767 --> 00:07:43,834
for some reason that
has always baffled me,
201
00:07:43,900 --> 00:07:44,633
are women.
202
00:07:44,700 --> 00:07:47,300
[theme music playing]
203
00:07:47,367 --> 00:07:51,633
Any guy who takes money from you
to lower his car payment
204
00:07:51,700 --> 00:07:55,533
and buys a car for $75,000,
205
00:07:55,600 --> 00:07:59,433
the only people that do that sort of thing
are untrustworthy.
206
00:07:59,500 --> 00:08:00,900
Then you changed the contract.
207
00:08:00,967 --> 00:08:02,133
You said, "Not acceptable,
208
00:08:02,200 --> 00:08:04,333
you're behind $500
and a late payment
209
00:08:04,400 --> 00:08:07,133
will only be acceptable
with a current payment."
210
00:08:07,200 --> 00:08:08,834
Is there anything about that
in your contract?
211
00:08:08,900 --> 00:08:09,700
There's not.
212
00:08:09,767 --> 00:08:12,300
Okay. So if it's not in your contract,
it doesn't exist.
213
00:08:17,133 --> 00:08:19,834
{\an8}[theme music playing]
214
00:08:23,266 --> 00:08:26,567
{\an8}[announcer]
Vanness Howard claims her former friend,
215
00:08:26,633 --> 00:08:29,333
{\an8}Auntrell Brooks,
owes for a car loan.
216
00:08:29,400 --> 00:08:31,767
Most of the people standing there,
217
00:08:31,834 --> 00:08:35,500
for some reason that
has always baffled me,
218
00:08:35,567 --> 00:08:36,667
- are women.
- [Vanness] Yeah.
219
00:08:36,734 --> 00:08:41,000
Very rarely do I have guys standing there
saying, "You know, she asked me for this
220
00:08:41,066 --> 00:08:45,734
and so I knew she had a baby
on the way and I felt sorry for her,
221
00:08:45,800 --> 00:08:46,934
so I gave them money."
222
00:08:47,000 --> 00:08:47,767
Right.
223
00:08:47,834 --> 00:08:51,533
But most of the time they say goodbye,
which is what you should have said.
224
00:08:51,600 --> 00:08:52,533
Absolutely.
225
00:08:52,600 --> 00:08:55,133
[Judy]
And you appear to be much too fine a lady.
226
00:08:55,200 --> 00:08:57,066
- And a hardworking lady.
- [Vanness] Thank you.
227
00:08:57,133 --> 00:08:58,467
Don't give anybody...
228
00:08:58,533 --> 00:09:00,133
No more. This is it.
229
00:09:00,200 --> 00:09:04,000
Any guy who takes money from you
to lower his car payment
230
00:09:04,066 --> 00:09:07,700
and buys a car for $75,000
231
00:09:07,767 --> 00:09:13,066
and asks you for 1,000 or $2,000,
knowing that you're a working gal...
232
00:09:13,133 --> 00:09:14,200
And then he didn't needed to buy a car.
233
00:09:14,266 --> 00:09:18,400
He could've bought a car for $50,000.
He could've bought a car for $30,000.
234
00:09:18,467 --> 00:09:20,333
- Right.
- [Judy] Likes to drive fancy cars
235
00:09:20,400 --> 00:09:22,633
- with somebody else's money, okay?
- Yes.
236
00:09:22,700 --> 00:09:25,367
So the only people
that do that sort of thing
237
00:09:25,433 --> 00:09:27,033
are untrustworthy,
238
00:09:27,100 --> 00:09:29,433
usually as my great grandmother
would call them,
239
00:09:29,500 --> 00:09:30,300
bums.
240
00:09:30,367 --> 00:09:33,500
So I would suggest
that you be smart in the future.
241
00:09:33,567 --> 00:09:35,233
You're a hardworking lady.
Hold on to your money.
242
00:09:35,300 --> 00:09:38,400
If you wanna invest in anything,
invest in children's future.
243
00:09:38,467 --> 00:09:39,333
We're done here.
244
00:09:39,400 --> 00:09:40,767
Judgment for the plaintiff.
245
00:09:40,834 --> 00:09:42,867
- Thank you.
- [bailiff] This court is adjourned.
246
00:09:42,934 --> 00:09:46,166
{\an8}Mr. Brooks took my money
with no intentions of paying it back.
247
00:09:46,233 --> 00:09:48,834
{\an8}I thought it was...
she gave it to me.
248
00:09:48,900 --> 00:09:52,600
{\an8}Oh, "Car crashed, my tires got slashed."
249
00:09:52,667 --> 00:09:55,500
{\an8}I thought it was a gift because
she really likes me.
250
00:09:55,567 --> 00:09:57,567
{\an8}Don't let men borrow money.
251
00:09:59,433 --> 00:10:01,233
Lovely woman, hardworking woman.
252
00:10:01,300 --> 00:10:02,800
She's gonna have a chain.
253
00:10:02,867 --> 00:10:05,000
As Dolly Parton would say, have a chain.
254
00:10:05,066 --> 00:10:06,800
- Gonna have a second salon.
- Mm-hmm.
255
00:10:06,867 --> 00:10:09,700
On the other side,
you have somebody with zero judgment.
256
00:10:09,767 --> 00:10:12,033
He's well-versed in other people's money.
257
00:10:12,100 --> 00:10:15,834
Why a perfectly sensible,
bright woman would take money
258
00:10:15,900 --> 00:10:19,100
that she worked really hard for and give
it to somebody that she hardly knows.
259
00:10:19,166 --> 00:10:21,734
- Women have to be smarter.
- Women have to be smarter.
260
00:10:21,800 --> 00:10:23,333
- Worry about themselves.
- Yeah.
261
00:10:23,400 --> 00:10:27,800
Case 2113, Pickett versus Gick.
All parties, please step forward.
262
00:10:27,867 --> 00:10:31,066
{\an8}[announcer] William Pickett
is suing his former friend,
263
00:10:31,133 --> 00:10:35,734
{\an8}Clinton Gick, for unpaid car payments
and vehicle damage.
264
00:10:35,800 --> 00:10:39,834
Mr. Pickett, you and the defendant,
according to what I've read,
265
00:10:39,900 --> 00:10:41,266
were friends,
you knew each other.
266
00:10:41,333 --> 00:10:42,066
Yes.
267
00:10:42,133 --> 00:10:44,133
[Judy] You had a car
that you were interested in selling.
268
00:10:44,200 --> 00:10:47,000
The defendant
was interested in purchasing the car.
269
00:10:47,066 --> 00:10:50,000
- Your car was 10 or 11-year-old vehicle.
- Correct.
270
00:10:50,066 --> 00:10:50,800
[Judy]
Is that correct?
271
00:10:50,867 --> 00:10:52,734
- [William] Yes.
- When had you purchased it?
272
00:10:52,800 --> 00:10:56,500
I purchased it about a year or so prior.
273
00:10:56,567 --> 00:10:57,900
So you only had the car for a year.
You were not an original owner.
274
00:10:57,967 --> 00:10:59,800
- Short amount of time, yeah.
- [Judy] Did you pay cash?
275
00:10:59,867 --> 00:11:00,800
[William] I did.
276
00:11:00,867 --> 00:11:02,166
[Judy]
How much did you pay for the car?
277
00:11:02,233 --> 00:11:04,767
Roughly $10,000,
nine, $10,000.
278
00:11:04,834 --> 00:11:07,300
No, I want to know.
I mean, you came into court today.
279
00:11:07,367 --> 00:11:09,767
Not a roughly.
Today we know the numbers.
280
00:11:09,834 --> 00:11:12,333
We're not talking about something
that happened 20 years ago.
281
00:11:12,400 --> 00:11:13,900
It's something that happened a year ago.
282
00:11:13,967 --> 00:11:17,033
You bought a car a year ago.
You paid cash for it.
283
00:11:17,100 --> 00:11:17,834
According to you.
284
00:11:17,900 --> 00:11:19,700
I want to know how much you paid for it.
That's easy.
285
00:11:19,767 --> 00:11:20,767
You should have those records.
286
00:11:20,834 --> 00:11:22,066
Ten thousand.
287
00:11:22,133 --> 00:11:24,300
[Judy]
Well, now you say 10, right?
288
00:11:24,367 --> 00:11:25,667
- Yeah.
- [Judy] Now you say 10.
289
00:11:25,734 --> 00:11:30,600
So now I'm gonna tell you to go outside
and get me the bill of sale for the car.
290
00:11:30,667 --> 00:11:31,867
I did not bring that.
291
00:11:32,000 --> 00:11:34,333
- [Judy] Why?
- I didn't think I needed it.
292
00:11:34,400 --> 00:11:38,066
How am I supposed to ascertain
what you paid for the car, sir?
293
00:11:38,133 --> 00:11:39,867
I didn't think about that.
294
00:11:39,934 --> 00:11:42,533
You should have thought about it.
I thought about it right off the bat.
295
00:11:42,600 --> 00:11:45,600
You had the car for one year.
And when did you sell it to the defendant?
296
00:11:45,667 --> 00:11:47,133
3/18 of '22.
297
00:11:47,200 --> 00:11:48,166
For how much?
298
00:11:48,233 --> 00:11:49,066
Ten thousand dollars.
299
00:11:49,133 --> 00:11:51,333
Well, then you're
a genius businessman
300
00:11:51,400 --> 00:11:54,700
because unless this 10,
11-year-old car, Mr. Pickett,
301
00:11:54,767 --> 00:11:57,800
had something really unusual about it,
302
00:11:57,867 --> 00:12:01,867
most cars depreciate
the moment you drive them out of a lot.
303
00:12:01,934 --> 00:12:05,133
You bought this car from a company,
which means you paid more for it
304
00:12:05,200 --> 00:12:07,033
than if you purchased it
through a private person.
305
00:12:07,100 --> 00:12:08,066
You understand that?
306
00:12:08,133 --> 00:12:08,934
- Yes.
- [Judy] Of course.
307
00:12:09,000 --> 00:12:10,934
So there was clearly a markup.
308
00:12:11,000 --> 00:12:16,700
Sarah, take a look at
a 2012 Dodge Charger.
309
00:12:16,767 --> 00:12:19,133
- With 148,000.
- With 148,000 miles.
310
00:12:19,200 --> 00:12:23,166
I got it. Between 7500 and 10,000
for a private party sale.
311
00:12:23,233 --> 00:12:24,734
[Judy]
Okay. So as I thought.
312
00:12:24,800 --> 00:12:27,767
The value of the car went down
from when you bought it.
313
00:12:27,834 --> 00:12:31,300
But you sold it to him for $10,000
'cause he was making payments,
314
00:12:31,367 --> 00:12:33,266
I assume,
because he was making payments.
315
00:12:33,333 --> 00:12:35,200
- Did you have a written contract?
- I did.
316
00:12:35,266 --> 00:12:36,900
I'd like to take a look at it.
317
00:12:40,567 --> 00:12:43,066
Mr. Gick, how did you
know each other, sir?
318
00:12:43,133 --> 00:12:44,533
{\an8}We worked together.
319
00:12:44,600 --> 00:12:50,133
{\an8}We'd known each other for about a year,
I think, at the time the car was sold.
320
00:12:50,200 --> 00:12:54,066
Okay. So the first thing was
he traded in something of value.
321
00:12:54,133 --> 00:12:56,333
Which was he gave you a car?
322
00:12:56,400 --> 00:12:57,133
Correct.
323
00:12:57,200 --> 00:12:58,400
[Judy]
What kind of car did he give you?
324
00:12:58,467 --> 00:12:59,533
A Honda minivan.
325
00:12:59,600 --> 00:13:02,033
- [Judy] Did you have the title to that?
- Yes, I did.
326
00:13:02,100 --> 00:13:03,867
- [Judy] Did he turn over the title to you?
- He did.
327
00:13:03,934 --> 00:13:05,533
[Judy]
What did you do with the Honda minivan?
328
00:13:05,600 --> 00:13:06,767
- I sold it.
- [Judy] To whom?
329
00:13:06,834 --> 00:13:08,700
Someone off of Facebook Marketplace.
330
00:13:08,767 --> 00:13:09,767
[Judy]
Okay, when did you sell it?
331
00:13:09,834 --> 00:13:10,867
A few weeks afterwards.
332
00:13:10,934 --> 00:13:13,467
How much did you sell it for?
How much did you say you sold it for?
333
00:13:13,533 --> 00:13:15,100
Thousand dollars, 1200.
334
00:13:15,166 --> 00:13:17,633
Let's get specific, Mr. Pickett.
335
00:13:17,700 --> 00:13:18,600
Thousand dollars.
336
00:13:18,667 --> 00:13:22,834
I'm not exactly sure what he sold it for,
but clearly acknowledges at least $1,000.
337
00:13:22,900 --> 00:13:25,400
{\an8}So this is what the lawsuit is about.
And I've read your contract.
338
00:13:25,467 --> 00:13:28,133
{\an8}According to the contract
that you have here,
339
00:13:28,200 --> 00:13:30,533
you listed the dates,
the schedule of payments,
340
00:13:30,600 --> 00:13:33,433
and you marked off when he paid
and when he didn't.
341
00:13:33,500 --> 00:13:35,734
But we're going to go through the dates.
342
00:13:35,800 --> 00:13:39,333
And your law suit seeks
damages to the car, repo fees,
343
00:13:39,400 --> 00:13:43,467
the unpaid contract price of the car
because you repossessed it
344
00:13:43,533 --> 00:13:46,633
and you want him to continue
until he's finished paying for it.
345
00:13:46,700 --> 00:13:48,500
- Right, that's what you want?
- Yes, ma'am.
346
00:13:48,567 --> 00:13:50,300
[Judy]
And the defendant has a counterclaim.
347
00:13:50,367 --> 00:13:54,834
{\an8}And his counterclaim, in effect, although
he doesn't articulate it in legalese,
348
00:13:54,900 --> 00:13:57,967
{\an8}the basis of his countersuit
is that there was
349
00:13:58,033 --> 00:14:00,333
never any meaningful
breach of the contract
350
00:14:00,400 --> 00:14:03,633
and that he tried to make his payments
pursuant to the contract
351
00:14:03,700 --> 00:14:07,467
and that you repossessed the car
without just cause.
352
00:14:07,533 --> 00:14:11,166
And he's counterclaiming for the money
that he put into the car as equity.
353
00:14:11,233 --> 00:14:12,567
That's what your counterclaim is.
354
00:14:12,633 --> 00:14:13,400
- Correct?
- That's correct.
355
00:14:13,467 --> 00:14:17,233
Okay. So, so far, you put in $4,000.
356
00:14:17,300 --> 00:14:21,367
According to this,
he paid you March of 2022, April.
357
00:14:21,433 --> 00:14:23,600
As a matter of fact,
he made two two payments.
358
00:14:23,667 --> 00:14:25,867
Correct. The payment schedule
was for every two weeks.
359
00:14:25,934 --> 00:14:31,433
Shh. 6/17, he made a partial payment
but made that up on 7/1.
360
00:14:31,500 --> 00:14:32,734
So he was up to date.
361
00:14:32,800 --> 00:14:37,033
Then you say on the 15th of July
he missed a payment.
362
00:14:37,100 --> 00:14:39,166
Did you miss a payment the 15th of July?
363
00:14:39,233 --> 00:14:40,467
Yes, I did, Your Honor.
364
00:14:40,533 --> 00:14:41,633
[Judy]
Tell me why.
365
00:14:41,700 --> 00:14:43,934
{\an8}At that point,
the plaintiff had already threatened
366
00:14:44,000 --> 00:14:48,500
{\an8}to repossess the car several times before
I had ever missed a payment on the car.
367
00:14:48,567 --> 00:14:51,734
Because you made
a partial payment once in June.
368
00:14:51,800 --> 00:14:53,100
Yeah, and also...
369
00:14:53,166 --> 00:14:55,667
But then made it up again
within two weeks.
370
00:14:55,734 --> 00:14:56,700
- Yes, exactly.
- Okay.
371
00:14:56,767 --> 00:14:58,367
So you had already said to him,
"You miss payments,
372
00:14:58,433 --> 00:15:00,233
I'm gonna repossess the car."
373
00:15:00,300 --> 00:15:01,934
I informed.
I didn't threaten to repossess it yet.
374
00:15:02,000 --> 00:15:02,767
[Judy] No, no.
375
00:15:02,834 --> 00:15:04,233
- [William] Yes.
- Yeah.
376
00:15:04,300 --> 00:15:05,033
- Yeah.
- [Judy] Okay.
377
00:15:05,100 --> 00:15:06,934
So you missed a payment
on July 15th?
378
00:15:07,000 --> 00:15:07,767
[Clinton] Yes.
379
00:15:07,834 --> 00:15:10,633
And I informed him
when I missed the payment
380
00:15:10,700 --> 00:15:13,633
that the reason for missing it,
381
00:15:13,700 --> 00:15:15,333
he had just filed for bankruptcy
382
00:15:15,400 --> 00:15:19,367
and with his bankruptcy
and the threats to repossess the car,
383
00:15:19,433 --> 00:15:22,133
I had decided that I wanted to miss,
384
00:15:22,200 --> 00:15:24,700
as it states in the contract,
that I could miss
385
00:15:24,767 --> 00:15:26,834
two consecutive payments
before repossession.
386
00:15:26,900 --> 00:15:30,000
I wanted to talk to a lawyer
and make sure that I wasn't
387
00:15:30,066 --> 00:15:32,800
going to be putting even more money
into a car that I was...
388
00:15:32,867 --> 00:15:34,467
A car that you weren't
going to have equity in.
389
00:15:34,533 --> 00:15:35,400
- [Clinton] Exactly.
- Okay.
390
00:15:35,467 --> 00:15:37,600
So that's why you missed July 15th.
391
00:15:37,667 --> 00:15:39,266
- Yes, that's correct.
- [Judy] Okay.
392
00:15:39,333 --> 00:15:41,000
And the 29th of July also missed.
393
00:15:41,066 --> 00:15:42,333
Yes.
394
00:15:42,400 --> 00:15:47,934
So I attempted to give Mr. Pickett
a $500 payment on the 29th.
395
00:15:48,000 --> 00:15:50,200
He refused to to accept that payment.
396
00:15:50,266 --> 00:15:51,467
And I have that in text.
397
00:15:51,533 --> 00:15:53,533
- I'd like to see it.
- [Clinton] Text messages.
398
00:15:53,600 --> 00:15:54,467
[Judy]
I'd like to see it.
399
00:15:54,533 --> 00:15:59,266
Do you acknowledge that he attempted
to give you a payment on the 29th?
400
00:15:59,333 --> 00:16:01,400
Yeah, he attempted
to make a partial payment.
401
00:16:01,467 --> 00:16:03,233
He attempted to give you $500?
402
00:16:03,300 --> 00:16:04,266
Correct.
403
00:16:06,567 --> 00:16:10,266
[Judy] And tell me why
you didn't accept the $500.
404
00:16:10,333 --> 00:16:11,834
He missed the payment on the 15th.
405
00:16:11,900 --> 00:16:15,133
I informed him on the 16th
that I would not accept a late payment
406
00:16:15,200 --> 00:16:17,567
unless it's in conjunction
with the current payment.
407
00:16:17,633 --> 00:16:19,000
[Judy]
You can't change the contract, sir.
408
00:16:19,066 --> 00:16:20,567
You can't change a written contract.
409
00:16:20,633 --> 00:16:23,233
[theme music playing]
410
00:16:23,300 --> 00:16:24,667
There was a loan on this car?
411
00:16:24,734 --> 00:16:25,934
Yeah, there was title loan on it.
412
00:16:26,000 --> 00:16:27,133
Oh, you didn't tell me that.
413
00:16:27,200 --> 00:16:29,433
That adds a different wrinkle
to this whole thing,
414
00:16:29,500 --> 00:16:31,266
because you told me
you paid cash for the car,
415
00:16:31,333 --> 00:16:32,734
so I assumed there was not a problem.
416
00:16:37,567 --> 00:16:40,633
[theme music playing]
417
00:16:44,233 --> 00:16:47,533
{\an8}[announcer] William Pickett
claims his former friend,
418
00:16:47,600 --> 00:16:51,400
{\an8}Clinton Gick, owes for car payments
and vehicle damage.
419
00:16:51,467 --> 00:16:53,600
Clinton is countersuing,
420
00:16:53,667 --> 00:16:56,934
claiming William sold the car
under false pretenses.
421
00:16:57,000 --> 00:16:58,967
Now, you had a written contract with him.
422
00:16:59,033 --> 00:17:02,100
If you're changing the terms,
he has to agree to the terms in writing
423
00:17:02,166 --> 00:17:05,667
in the same force and manner
of the original contract,
424
00:17:05,734 --> 00:17:08,066
which is this in writing,
signed by both parties.
425
00:17:08,133 --> 00:17:09,433
You have a contract.
426
00:17:09,500 --> 00:17:12,333
Here the contract says
he can't miss two consecutive payments.
427
00:17:12,400 --> 00:17:14,367
He wasn't missing
two consecutive payments.
428
00:17:14,433 --> 00:17:15,700
He missed July 15th
429
00:17:15,767 --> 00:17:18,567
and he tried to give you one
on the 29th of July.
430
00:17:18,633 --> 00:17:21,433
If you refuse to accept it,
he hasn't missed two payments.
431
00:17:21,500 --> 00:17:23,200
You refused to accept the second one.
432
00:17:23,266 --> 00:17:24,533
- Got it?
- Got it.
433
00:17:29,300 --> 00:17:32,266
Okay, well, I see the interchange,
Mr. Pickett,
434
00:17:32,333 --> 00:17:34,433
and the interchange clearly says,
435
00:17:34,500 --> 00:17:37,867
{\an8}"You're paying $1,000 today
or returning my car."
436
00:17:37,934 --> 00:17:41,767
{\an8}He says, "I'll be giving you
my $500 payment that's due today."
437
00:17:41,834 --> 00:17:44,266
{\an8}Then you change the contract.
You said, "Not acceptable,
438
00:17:44,333 --> 00:17:46,734
{\an8}you're behind $500
and a late payment
439
00:17:46,800 --> 00:17:49,266
will only be acceptable
with a current payment."
440
00:17:49,333 --> 00:17:51,033
Is there anything about that
in your contract?
441
00:17:51,100 --> 00:17:51,834
There's not.
442
00:17:51,900 --> 00:17:54,533
Okay, so if it's not in your contract,
it doesn't exist.
443
00:17:54,600 --> 00:17:57,300
And you had, so far,
no reason to repossess the car.
444
00:17:57,367 --> 00:17:59,767
Did he try to make
a payment to you in August?
445
00:17:59,834 --> 00:18:03,633
I think one other time
between the time I repossessed it.
446
00:18:03,734 --> 00:18:05,767
Okay. Well, you had no reason
to repossess it,
447
00:18:05,834 --> 00:18:08,200
so far, unless he missed
two consecutive payments
448
00:18:08,266 --> 00:18:10,133
or unless he failed to keep insurance.
449
00:18:10,200 --> 00:18:11,233
Did he fail to keep insurance?
450
00:18:11,300 --> 00:18:14,333
I have never been given
proof of insurance.
451
00:18:14,400 --> 00:18:17,066
That doesn't require that you are given
proof of insurance.
452
00:18:17,133 --> 00:18:18,266
I don't know if he kept insurance or not.
453
00:18:18,333 --> 00:18:22,467
This doesn't say you require proof.
Did you have insurance on the car?
454
00:18:22,533 --> 00:18:23,834
- Yes, I did, Your Honor.
- [Judy] Through whom?
455
00:18:23,900 --> 00:18:25,467
Erie Insurance Agency.
456
00:18:25,533 --> 00:18:27,700
Okay. And you have no information
to the contrary?
457
00:18:27,767 --> 00:18:29,333
- I don't.
- [Judy] Okay, fine.
458
00:18:29,400 --> 00:18:32,200
So at the time you repossessed the car,
so far, Mr. Pickett,
459
00:18:32,266 --> 00:18:34,367
you didn't have basis
under your contract
460
00:18:34,433 --> 00:18:36,033
to repossess the car.
461
00:18:36,100 --> 00:18:39,033
There was also other terms
I believed he had violated.
462
00:18:39,100 --> 00:18:42,233
Well, let's hear them. So far,
he didn't miss two consecutive payments.
463
00:18:42,300 --> 00:18:43,633
{\an8}Had you filed for bankruptcy?
464
00:18:43,700 --> 00:18:45,533
{\an8}I had started filing
for bankruptcy, yeah.
465
00:18:45,600 --> 00:18:46,533
{\an8}[Judy]
Is that completed?
466
00:18:46,600 --> 00:18:50,100
Still hasn't been discharged yet.
I think I have another month or so.
467
00:18:50,166 --> 00:18:51,533
[Judy] Was this the first time
you filed for bankruptcy?
468
00:18:51,600 --> 00:18:52,333
Yes, ma'am.
469
00:18:52,400 --> 00:18:54,633
"Buyer misses two
or more consecutive payments.
470
00:18:54,700 --> 00:18:58,400
Buyer fails to maintain full coverage
under insurance.
471
00:18:58,467 --> 00:19:02,767
Any significant damage to the vehicle
that is not repaired in 30 days."
472
00:19:02,834 --> 00:19:06,600
Did you notify Mr. Gick
of any damage to the car,
473
00:19:06,667 --> 00:19:09,367
give him notice and say,
"Pursuant to the contract,
474
00:19:09,433 --> 00:19:11,066
it has to be fixed in 30 days"?
475
00:19:11,133 --> 00:19:14,500
We had talked about it when he came
to drop off one of his payments.
476
00:19:14,567 --> 00:19:16,667
- And he said...
- Well, give me a month.
477
00:19:16,734 --> 00:19:18,166
- It was...
- [Judy] A month and a year.
478
00:19:18,233 --> 00:19:19,300
It was in June.
479
00:19:19,367 --> 00:19:22,166
- [Judy] June of 2022.
- Mm-hmm. '22.
480
00:19:22,233 --> 00:19:24,567
He came over to drop off a payment.
481
00:19:24,633 --> 00:19:29,300
And that would have either
been on June 3rd or June 17th.
482
00:19:29,367 --> 00:19:30,166
- Correct.
- [Judy] Okay.
483
00:19:30,233 --> 00:19:32,567
And tell me about the conversation.
484
00:19:32,633 --> 00:19:34,867
I said, "Hey, there is a dent
in the front now."
485
00:19:34,934 --> 00:19:37,000
And he said he'll get it taken care of.
486
00:19:37,066 --> 00:19:39,667
At that point,
I didn't really inspect the car 'cause...
487
00:19:39,734 --> 00:19:42,667
I don't care what you didn't do.
I want to to know what you did.
488
00:19:42,734 --> 00:19:44,834
Yeah, I told him, you know,
it needs to be fixed.
489
00:19:44,900 --> 00:19:46,734
And he said he'll get it taken care of.
490
00:19:46,800 --> 00:19:48,033
[Judy]
Okay. And?
491
00:19:48,100 --> 00:19:49,967
When I repossessed it,
it was still there,
492
00:19:50,033 --> 00:19:52,033
- as well as more damage.
- [Judy] Okay.
493
00:19:52,100 --> 00:19:54,233
Did he talk to you
about the dent in the front?
494
00:19:54,300 --> 00:19:57,367
{\an8}I don't recall that conversation
ever happening.
495
00:19:57,433 --> 00:20:00,767
There was text messages
sent to me about damage to the car.
496
00:20:00,834 --> 00:20:04,767
The car had dents and dings
all over it when I got the car.
497
00:20:04,834 --> 00:20:08,133
I mean, the front bumper
even had significant damage to it.
498
00:20:08,200 --> 00:20:09,734
You repossessed the car
at the end of August.
499
00:20:09,800 --> 00:20:11,467
Where is the car now?
500
00:20:11,533 --> 00:20:12,266
At my house.
501
00:20:12,333 --> 00:20:13,400
[Judy]
What's it doing at your house?
502
00:20:13,467 --> 00:20:14,767
It's just sitting there for the moment.
503
00:20:14,834 --> 00:20:16,967
Well, what's your intention
to do with the car?
504
00:20:17,033 --> 00:20:20,233
Give it up in my bankruptcy or repair it
and keep it and pay it off.
505
00:20:20,300 --> 00:20:21,467
Who has the title?
506
00:20:21,533 --> 00:20:22,633
The title loan company.
507
00:20:22,700 --> 00:20:24,367
[Judy]
So there was a loan on this car?
508
00:20:24,433 --> 00:20:25,700
Yeah, there was a title loan on it.
509
00:20:25,767 --> 00:20:27,100
Oh, you didn't tell me that.
510
00:20:27,166 --> 00:20:29,400
That adds a different wrinkle
to this whole thing,
511
00:20:29,467 --> 00:20:31,233
because you told me
you paid cash for the car,
512
00:20:31,300 --> 00:20:32,700
so I assumed there was not a problem.
513
00:20:32,767 --> 00:20:34,166
When did you take out
a title loan on the car?
514
00:20:34,233 --> 00:20:36,834
- I took out the title loan...
- [Judy] Month and year.
515
00:20:36,900 --> 00:20:40,033
One of them was in December of '21.
516
00:20:40,100 --> 00:20:42,934
Did you know that there was
a title loan taken out on this car?
517
00:20:43,000 --> 00:20:46,000
I knew that there was one.
I didn't know that there were multiple.
518
00:20:46,066 --> 00:20:48,767
I don't know. But yeah,
I did know there was a title loan.
519
00:20:48,834 --> 00:20:49,900
Did you know in what amount?
520
00:20:49,967 --> 00:20:51,367
{\an8}No, I was never...
521
00:20:51,433 --> 00:20:52,734
{\an8}[Judy]
Well, that's pretty dumb of you.
522
00:20:52,800 --> 00:20:55,000
{\an8}Yeah, I agree.
523
00:20:55,066 --> 00:20:56,467
Well, 'cause if you're buying
something free and clear
524
00:20:56,533 --> 00:20:58,834
that he owes nothing on,
that's one thing.
525
00:20:58,900 --> 00:21:00,467
How much was the title loan?
526
00:21:00,533 --> 00:21:05,000
Roughly $6,000 is what was all owed on it
still at that point when he bought it.
527
00:21:05,066 --> 00:21:06,467
How much did you pay off?
528
00:21:06,533 --> 00:21:10,333
Two thousand by that point.
It's super high interest.
529
00:21:10,400 --> 00:21:11,867
Okey-dokey, Mr. Pickett,
530
00:21:11,934 --> 00:21:14,734
your claim against
the defendant is dismissed.
531
00:21:14,800 --> 00:21:16,734
I'm now entertaining his counterclaim.
532
00:21:16,800 --> 00:21:17,800
- Do you understand?
- Yes, ma'am.
533
00:21:17,867 --> 00:21:19,133
[Judy]
You get stuck with this car.
534
00:21:19,200 --> 00:21:22,133
Now, the problem is,
you drove this car.
535
00:21:22,200 --> 00:21:22,934
Yes.
536
00:21:23,000 --> 00:21:24,533
[Judy] Was it your primary source
of driving, the car?
537
00:21:24,600 --> 00:21:25,467
- Yes, it was.
- [Judy] Okay.
538
00:21:25,533 --> 00:21:30,867
For one, two, three, four, five,
six, seven, eight, nine, ten months.
539
00:21:30,934 --> 00:21:32,066
- Right?
- Yes.
540
00:21:32,133 --> 00:21:35,266
Okay. So, Mr. Gick,
this was your primary vehicle.
541
00:21:35,333 --> 00:21:38,166
How much do you think
it would cost you to rent a car?
542
00:21:38,233 --> 00:21:41,000
Per month. Per month.
Give me a figure.
543
00:21:41,066 --> 00:21:42,467
- To rent a car?
- [Judy] Yeah.
544
00:21:42,533 --> 00:21:46,133
Per month, I would say $900 a month.
545
00:21:46,200 --> 00:21:49,300
Probably something like that,
900, $1,000 a month, maybe.
546
00:21:49,367 --> 00:21:51,533
Okay, based upon what you told me,
547
00:21:51,600 --> 00:21:55,633
it's not so egregious because you had
the use of the car for ten months.
548
00:21:55,700 --> 00:21:58,233
I actually don't think
that an 11-year-old car
549
00:21:58,300 --> 00:22:01,734
would cost that much to rent,
$900 a month,
550
00:22:01,800 --> 00:22:04,266
considering that you
also paid for your own insurance.
551
00:22:04,333 --> 00:22:05,533
Correct.
552
00:22:05,600 --> 00:22:07,900
And if you rented a car,
that insurance would,
553
00:22:07,967 --> 00:22:09,533
of necessity, come with a car.
554
00:22:09,600 --> 00:22:12,100
Sarah, could you look up for me
555
00:22:12,166 --> 00:22:16,333
best deals on leasing
a Dodge Charger?
556
00:22:16,400 --> 00:22:17,667
I don't know what that is.
557
00:22:17,734 --> 00:22:19,333
- Is that a truck?
- It's a car.
558
00:22:19,400 --> 00:22:20,767
Is there a site
where you can look that up?
559
00:22:20,834 --> 00:22:21,700
I'll see what I can find.
560
00:22:21,767 --> 00:22:24,066
But the intention was that money
561
00:22:24,133 --> 00:22:27,633
was gonna go towards, you know,
something that I would own outright.
562
00:22:27,700 --> 00:22:29,033
Well, I understand that,
563
00:22:29,100 --> 00:22:31,533
but you had full of his property
for ten months.
564
00:22:31,600 --> 00:22:32,300
Sure.
565
00:22:32,367 --> 00:22:36,166
You don't think it's fair for you
not to pay for some of that use?
566
00:22:36,233 --> 00:22:40,066
I would think the depreciation in the car
for the mileage that I put on it
567
00:22:40,133 --> 00:22:41,533
would be more than fair.
568
00:22:41,600 --> 00:22:42,500
Absolutely.
569
00:22:42,567 --> 00:22:44,633
Everything depends on
how much you put down
570
00:22:44,700 --> 00:22:47,734
versus how much you pay monthly,
so there's a wide range.
571
00:22:47,800 --> 00:22:49,367
Wide range. Give me the range.
572
00:22:49,433 --> 00:22:52,367
- You didn't put any...
- I'm seeing 786 a month, 843 a month.
573
00:22:52,433 --> 00:22:54,367
But these are for
brand-new Dodge Chargers,
574
00:22:54,433 --> 00:22:55,900
- not for 2012.
- [Judy] Oh.
575
00:22:55,967 --> 00:22:57,000
- So...
- [Judy] Okay.
576
00:22:57,066 --> 00:23:01,700
And according to you,
the current low price on this car
577
00:23:01,767 --> 00:23:03,233
is $7500?
578
00:23:03,300 --> 00:23:04,500
- Price.
- For a private party, yes.
579
00:23:04,567 --> 00:23:06,900
For a private party,
low price $7500.
580
00:23:06,967 --> 00:23:07,700
[Sarah] Yes.
581
00:23:07,767 --> 00:23:09,867
So you're gonna resell this car.
582
00:23:09,934 --> 00:23:12,700
And the car
is currently in working order.
583
00:23:12,767 --> 00:23:16,333
And the low price on that car
is $7500.
584
00:23:16,400 --> 00:23:17,934
- Right?
- Yes.
585
00:23:18,000 --> 00:23:20,767
And he's already paid you $5,000.
586
00:23:20,834 --> 00:23:21,533
Yes.
587
00:23:21,600 --> 00:23:25,033
In order to break even,
if you sold that car,
588
00:23:25,100 --> 00:23:26,600
all you need is 2500 bucks.
589
00:23:26,667 --> 00:23:27,767
Correct.
590
00:23:27,834 --> 00:23:33,233
So I think that it's more than fair
to give you credit for the $2500
591
00:23:33,300 --> 00:23:34,800
- from what you paid.
- Okay.
592
00:23:34,867 --> 00:23:35,734
[Judy]
You paid five.
593
00:23:35,800 --> 00:23:38,266
Half of that seems to me
a more than reasonable figure
594
00:23:38,333 --> 00:23:42,934
to have full use of his property
and he repossessed the car.
595
00:23:43,000 --> 00:23:45,700
I don't think he had any basis
to repossess the car,
596
00:23:45,767 --> 00:23:47,734
which is why I dismissed his case.
597
00:23:47,800 --> 00:23:51,900
And you certainly don't wanna
get involved with bankruptcies
598
00:23:51,967 --> 00:23:54,467
and payments,
so you don't want this car back
599
00:23:54,533 --> 00:23:56,900
because getting this car back
would be more trouble
600
00:23:56,967 --> 00:23:58,333
for you than anything else.
601
00:23:58,400 --> 00:23:59,100
Exactly.
602
00:23:59,166 --> 00:24:00,834
I absolutely understand that.
603
00:24:00,900 --> 00:24:03,700
Because then you're dealing
with his creditors and whatever
604
00:24:03,767 --> 00:24:05,567
and not trusting
that whole situation.
605
00:24:05,633 --> 00:24:09,633
And even I don't think that
you paying $2500 towards
606
00:24:09,700 --> 00:24:12,433
the rental of a car
over a ten-month period
607
00:24:12,500 --> 00:24:14,100
is unreasonable
and then he's whole.
608
00:24:14,166 --> 00:24:16,567
Then if he wants to spend money
to have the car
609
00:24:16,633 --> 00:24:20,333
spruced up before he sells it,
well, maybe he can get $8500 for it
610
00:24:20,400 --> 00:24:21,300
and then he's whole.
611
00:24:21,367 --> 00:24:22,867
So now everybody's happy.
612
00:24:22,934 --> 00:24:25,734
Judgment on the counterclaim
for $2500.
613
00:24:25,800 --> 00:24:27,066
We're finished.
Thank you very much.
614
00:24:27,133 --> 00:24:28,900
- Thank you, Your Honor.
- [bailiff] This court is adjourned.
615
00:24:28,967 --> 00:24:29,900
{\an8}I'm very happy.
616
00:24:29,967 --> 00:24:31,266
{\an8}He needed a car, I had a car.
617
00:24:31,333 --> 00:24:33,600
{\an8}I don't think it was an honest transaction
on his part.
618
00:24:33,667 --> 00:24:34,900
{\an8}I'll keep buying and selling.
619
00:24:34,967 --> 00:24:37,266
{\an8}See, I think he was just trying
to get a quick payday.
620
00:24:38,433 --> 00:24:40,700
So I just wanna make sure
I have this right.
621
00:24:40,767 --> 00:24:44,233
The defendant was paying the plaintiff
$1,000 a month
622
00:24:44,300 --> 00:24:47,900
towards the vehicle that the plaintiff
had a title loan out on.
623
00:24:47,967 --> 00:24:49,900
But instead of
paying off the title loan
624
00:24:49,967 --> 00:24:52,100
so the defendant would have the car
free and clear...
625
00:24:52,166 --> 00:24:53,533
Free and clear, right.
626
00:24:53,600 --> 00:24:56,100
...he decided to keep the payments
and not pay off the title loan.
627
00:24:56,166 --> 00:24:57,900
- Title loan. Correct.
- Huh.
628
00:24:57,967 --> 00:25:01,934
Which means that even after
he completed the payments,
629
00:25:02,000 --> 00:25:04,000
- which he was halfway finished with...
- Mm-hmm.
630
00:25:04,066 --> 00:25:06,033
- ...he could not have gotten clear title.
- Yeah.
631
00:25:06,100 --> 00:25:08,100
Because the title
is with the loan company.
632
00:25:08,166 --> 00:25:11,033
And he's filed for bankruptcy,
so you can't come against him.
633
00:25:11,100 --> 00:25:11,867
Slick.
634
00:25:11,934 --> 00:25:13,900
- Yeah, sticky situation.
- Yeah.
635
00:25:15,266 --> 00:25:16,667
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636
00:25:16,734 --> 00:25:19,133
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637
00:25:23,967 --> 00:25:26,834
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