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- You had an accident.
- Yes.
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Car was totaled.
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I'm out of a whole car.
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So you took the car to go where?
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To who I was dating at the time.
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Tell me why.
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I had a scare.
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What kind of scare?
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A pregnancy scare.
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[announcer]
This is Judy Justice.
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{\an8}[theme music playing]
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{\an8}[announcer] Jennifer Laws
is suing her niece,
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{\an8}Jenelle Laws,
and her stepdaughter, Ari Scales,
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for the cost of a car.
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[bailiff]
Court, come to order.
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All rise.
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Have a seat, please.
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{\an8}Hello, Judge. Case 2130,
Laws versus Laws/Scales.
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{\an8}- Thank you.
- You're welcome.
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Miss Laws, this young woman
is your niece.
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Yes.
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[Judy] And this young lady
is the ward of your niece.
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- Yes.
- [Judy] You have guardianship over her.
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Is she related to you?
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No. She's related to my wife.
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[Judy]
Okay. But you have guardianship.
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We both do.
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- [Judy] How old are you?
- I'm 21.
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You had an automobile.
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{\an8}Yes.
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{\an8}[Judy] It was an automobile
that you allowed your niece to use...
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- and it was at her house.
- Yes.
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That was in September of 2020.
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Her car was in the shop, whatever.
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Mm-hmm.
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[Judy] Anyway, your niece went out of town
for a while?
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- Yes.
- Do you remember what date that was?
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October 17th of 2020.
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{\an8}[Judy] And prior to your
going out of town,
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{\an8}had Miss Scales ever driven the car?
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No.
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Had you ever given her permission
to drive the car?
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No.
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[Judy] Now, Miss Scales, there did come
a time, in October of 2020,
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that you took the car.
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Yes.
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{\an8}[Judy] Tell me how you managed
to get ahold of the car.
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{\an8}So the keys, we have a key hook
in the front of our house,
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{\an8}and I just used the keys there.
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- [Judy] Did you ask anyone?
- [Ari] No.
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[Judy] Tell me why.
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I had a scare that I was afraid
to do by myself.
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- What kind of scare?
- A pregnancy scare.
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- [Judy] Okay.
- [Ari] Mm-hmm.
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[Judy] So you took the car
to go where?
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[Ari]
To who I was dating at the time.
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What time of the day did you take the car?
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Between the times of 4:00 and 6:00 pm.
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{\an8}[Judy] And at what time did you have
an accident with the car?
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{\an8}I would say between 7:00 and 8:00 pm.
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Had you already seen the boyfriend?
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No.
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[Judy]
Where were you between 7:00 and 8:00?
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- [Ari] Driving.
- [Judy] Driving to who?
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To the boyfriend.
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[Judy] Oh, so it takes
a while to get there?
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Yes.
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- [Judy] How long?
- About an hour.
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[Judy] In any event,
you had an accident.
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Yes.
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[Judy]
Car was totaled. You had insurance?
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Yes.
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And had you told your niece
that you had insurance on the car?
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- Yes.
- [Judy] Okay.
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Because she says that you had told her
you had insurance on the car.
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And you had a loan on the car,
there was a note.
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That's correct.
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So when she borrowed the car,
she knew it was insured.
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Did you also tell her that
you had the gap insurance?
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Yes.
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[Judy] And what year, make and model
of car was it?
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A 2015 Mitsubishi Mirage.
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- Did you buy it new or used?
- [Jennifer] Brand new.
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00:03:07,867 --> 00:03:09,667
[Judy] And how long was the loan
on the car?
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Six or seven years.
I think it was six.
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[Judy] So by 2020, you had paid up
most of the car.
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Yes.
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What was the balance left on the car?
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I'm not exactly sure the exact balance
that was left on the car. Um...
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Okay. How much did you pay for the car?
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[Jennifer]
I paid $17,000.
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That's what it was financed as,
so that's not with the finance charges.
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Okay, so you paid 17. How much
of a down payment did you put down?
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{\an8}I didn't put any money down on it.
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{\an8}So in five years between 2015, 2017,
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you paid off about 80% of the car.
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Yes.
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What's the car worth now?
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Based on 75,000 miles, in good condition,
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I'm seeing between 5,500 and 7,500.
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Okay.
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Now, after the accident,
you put in a claim through your insurance.
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Yes.
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And your insurance covered how much?
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The insurance paid out $7,379.
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They wrote a check to the bank?
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Yes, ma'am.
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And can I see the paperwork
on that, please?
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[Jennifer]
Yes, ma'am.
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Because what you're suing for now
is another $8,496.
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[Jennifer] Mm-hmm.
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[Judy] Okay. So your insurance
also paid on the other car
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that you had the accident with.
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You had an accident with a Ford Focus?
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Yes.
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Okay, so they paid $2,900 on that,
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and they paid you 7379.
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Yes, ma'am.
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And show me what the note balance was
on the car at the time
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that they paid this out,
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which would have been some time
in 2020 or maybe '21.
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You want the balance after they paid out
or before they paid out?
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- Both.
- [Jennifer] Okay.
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This is after they paid out.
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And before.
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[Jennifer] I don't have a copy of what
it was owed on before the accident.
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{\an8}[Judy] Oh, I need a whole payout
because what your niece says
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{\an8}is that they paid you
the value of the car,
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which clearly it was the value of the car,
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because the value of the car
according to Sarah
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is between five and seven
thousand dollars.
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They paid you 7379, which clearly
covered a substantial part of your note.
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Mm-hmm.
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[Judy]
What the defendant is saying
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is that during COVID,
for financial reasons,
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you had requested that the payments
be put on hold.
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Right.
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And that you not make
any payments on the car.
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And that the interest
would continue to accrue.
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Right.
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And that that's not her fault
you asked to have the payments put off,
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but you drove the car, you had the benefit
of driving the car all during COVID.
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Right.
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And she shouldn't be penalized.
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The insurance company paid out
what the car was worth.
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These additional charges are because
you put off making the payments
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during COVID and it also
accrued that interest.
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That's your defense.
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- Am I right?
- Yes.
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- [Judy] That I have to see.
- Okay.
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00:06:02,533 --> 00:06:05,467
And I don't wanna hear it,
I wanna see it.
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The paper that you have there,
that's from...
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It shows that a payment was made
on that car on September 4th, 2020,
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and that was the last payment
that was made.
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So there were no payments being made
during that time that she had the car.
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- It was.
- [Judy] That's not what I'm asking you.
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I'm asking you, when COVID started,
did you put the payments on hold?
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{\an8}I did, because I was no longer working,
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{\an8}so they gave me the option
to delay my payment,
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which means
they tack them on to the end.
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I understand that,
but you were driving the car.
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You were driving the car,
she's not gonna pay for that.
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She had the car
from the beginning of September,
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and she was only supposed to have it
for three days when her car got fixed.
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- [Judy] It doesn't matter.
- So...
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00:06:45,233 --> 00:06:46,567
[Judy]
First of all, you didn't bring me...
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00:06:46,567 --> 00:06:49,233
You didn't bring me
the documentation that I need.
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You didn't bring me
what was actually owed on the car,
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and what was owed on the car,
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and how much was owed as a result
of your deferring payments and interest.
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00:06:57,667 --> 00:06:59,967
When I did the stop payments
on the car,
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it was before she even borrowed it.
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[Judy]
Well, that may be, madam,
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00:07:03,767 --> 00:07:05,834
but if what you're telling me
is you started to pay again,
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you still drove the car
when you deferred payments.
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Yes, I did.
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[Judy]
Yeah, well, that's not her responsibility.
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But the balance that's left on the car,
they pay what the value of the car was.
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00:07:16,934 --> 00:07:19,333
They said that they don't pay
finance charges.
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00:07:19,333 --> 00:07:21,033
So there was a balance of...
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00:07:21,033 --> 00:07:25,934
Well, the finance charges
were finance charges that accrued,
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00:07:25,934 --> 00:07:28,333
and you don't have the paperwork
for me here.
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Not $3,700 worth of finance charges.
For two months?
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00:07:32,200 --> 00:07:34,166
No, that's not for two months.
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I don't know what the finance charges
were for, it doesn't say that.
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You don't have the paperwork here.
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00:07:38,633 --> 00:07:41,667
You don't have the right paperwork,
so you have to understand something.
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00:07:41,667 --> 00:07:46,533
What you're suing her for
is $8,496.
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00:07:46,533 --> 00:07:49,767
First of all,
the car is only worth $5,000.
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00:07:49,767 --> 00:07:55,500
You got $7,300 that the insurance
company paid directly to the lender,
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and I don't have what you owed
here before the accident.
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I don't have that, and the payments
that you deferred.
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00:08:03,000 --> 00:08:05,934
If you deferred payments
prior to that time,
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00:08:05,934 --> 00:08:07,533
that's your responsibility.
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00:08:07,533 --> 00:08:09,633
But I only deferred payments
for three months.
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00:08:09,633 --> 00:08:12,100
- That's not going to amount to 37.
- [Judy] Just a second.
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I have no idea.
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00:08:13,200 --> 00:08:14,333
You should have brought the paperwork.
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00:08:14,333 --> 00:08:15,867
This is not that paperwork.
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00:08:15,867 --> 00:08:18,367
So I'm out of a whole car.
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00:08:18,367 --> 00:08:22,967
Like, I've invested almost $10,000
into this car.
202
00:08:22,967 --> 00:08:25,700
I let her use the car and...
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00:08:25,700 --> 00:08:26,867
[Judy]
That's what your insurance is for.
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00:08:26,867 --> 00:08:28,133
[Jennifer]
And now I'm not...
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00:08:28,133 --> 00:08:32,367
I'm just not out only the 3,700,
now it's been late charges
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00:08:32,367 --> 00:08:34,433
and other charges on that.
207
00:08:34,433 --> 00:08:36,867
And now it's $6,000 that's on my credit.
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00:08:36,867 --> 00:08:38,367
[Judy]
You deferred the payments.
209
00:08:38,367 --> 00:08:40,700
I can't tell how many months
you deferred the payments.
210
00:08:40,700 --> 00:08:43,533
You said, "Maybe I deferred it
three payments." I don't know.
211
00:08:43,533 --> 00:08:45,300
You didn't bring me the paperwork.
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00:08:45,300 --> 00:08:46,700
- I deferred...
- [Judy] Shh.
213
00:08:46,700 --> 00:08:47,934
You can't tell me.
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00:08:47,934 --> 00:08:51,233
[theme music playing]
215
00:08:51,233 --> 00:08:53,200
If she would have never had the car,
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00:08:53,200 --> 00:08:56,667
then I would have been responsible
totally to pay all of that amount.
217
00:08:56,667 --> 00:09:01,033
It's cost me more than just this amount
that's still on my credit.
218
00:09:01,033 --> 00:09:02,400
She didn't do anything wrong so far.
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00:09:02,400 --> 00:09:04,500
I mean, you have a 21-year-old girl
220
00:09:04,500 --> 00:09:07,133
who shouldn't have taken the car keys
without permission.
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00:09:07,133 --> 00:09:08,700
[announcer]
And later today...
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00:09:08,700 --> 00:09:12,967
You write to her that you saw her
take some stuff,
223
00:09:12,967 --> 00:09:16,834
and you say to her, "So don't tell me
you don't steal from me.
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00:09:16,834 --> 00:09:18,633
Friends don't steal from friends.
225
00:09:18,633 --> 00:09:21,700
So I won't burn you for what I borrowed.
226
00:09:21,700 --> 00:09:24,467
You should think twice
before you steal from,
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00:09:24,467 --> 00:09:27,100
because I could say
I'm not giving you nothing."
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00:09:31,867 --> 00:09:34,567
{\an8}[theme music playing]
229
00:09:38,000 --> 00:09:42,333
{\an8}[announcer] Jennifer Laws
claims her niece, Jenelle Laws,
230
00:09:42,333 --> 00:09:46,867
{\an8}and her stepdaughter, Ari Scales,
owe the balance on her car
231
00:09:46,867 --> 00:09:49,734
after Ari totaled it in an accident.
232
00:09:49,734 --> 00:09:51,133
She says you deferred the payments.
233
00:09:51,133 --> 00:09:54,033
That was the reason for these overages,
which I can understand,
234
00:09:54,033 --> 00:09:57,934
because otherwise the insurance company,
and if you had gap insurance,
235
00:09:57,934 --> 00:10:01,734
which you say you did, would have paid
any gap between the loan...
236
00:10:01,734 --> 00:10:06,200
My gap insurance was only until
a certain amount of time,
237
00:10:06,200 --> 00:10:09,533
and then after that, the gap insurance
only pays a certain amount.
238
00:10:09,533 --> 00:10:11,133
I don't know any of that.
239
00:10:11,133 --> 00:10:13,600
What I need from you, you didn't bring.
240
00:10:13,600 --> 00:10:18,934
You brought only what was necessary
to put forth your position.
241
00:10:18,934 --> 00:10:22,333
{\an8}I need what was owed on the car,
242
00:10:22,333 --> 00:10:25,333
{\an8}and for past-due payments
with accrued interest,
243
00:10:25,333 --> 00:10:28,000
and for current payments,
and you don't have that.
244
00:10:28,000 --> 00:10:31,400
So far, all I know is you had
full insurance on this car,
245
00:10:31,400 --> 00:10:33,500
and the full insurance was paid.
246
00:10:33,500 --> 00:10:35,567
And if there was a reason
that the insurance company
247
00:10:35,567 --> 00:10:38,500
for some reason didn't pay
an amount of money,
248
00:10:38,500 --> 00:10:41,867
I don't have an explanation
of that here, in what you gave me.
249
00:10:41,867 --> 00:10:44,734
{\an8}Except the explanation that she offers,
250
00:10:44,734 --> 00:10:47,567
{\an8}which was, during COVID,
you deferred your payments
251
00:10:47,567 --> 00:10:49,233
{\an8}and the interest was accruing.
252
00:10:49,233 --> 00:10:51,633
And that the insurance company
was not gonna pay
253
00:10:51,633 --> 00:10:55,066
because that was done
prior to October of 2020.
254
00:10:55,066 --> 00:10:56,900
That's not...
That's not true.
255
00:10:56,900 --> 00:10:59,033
I deferred one or two payments.
I did not...
256
00:10:59,033 --> 00:11:02,233
Well, two minutes ago,
was it three payments?
257
00:11:02,233 --> 00:11:05,700
[Jennifer] Because, ma'am, I'm sorry,
let me just explain that.
258
00:11:05,700 --> 00:11:09,433
During this time, April 2020,
I lost my mother to COVID.
259
00:11:09,433 --> 00:11:11,000
So I had two cars.
260
00:11:11,000 --> 00:11:14,200
I had the pink car
and I had the car that I gave to my mom,
261
00:11:14,200 --> 00:11:16,734
which is a black car,
which was also in my name,
262
00:11:16,734 --> 00:11:18,200
that I was responsible for.
263
00:11:18,200 --> 00:11:22,200
The car that I put the deferred payments
on was the Kia Optima.
264
00:11:22,200 --> 00:11:24,333
That's the one that I put
the deferred payments on.
265
00:11:24,333 --> 00:11:26,900
This car, I had a couple
late payments,
266
00:11:26,900 --> 00:11:29,400
but I never stopped paying
that car note.
267
00:11:29,400 --> 00:11:31,367
[Judy] I can't tell you.
You don't have the paperwork.
268
00:11:31,367 --> 00:11:32,633
All that I can tell you is,
269
00:11:32,633 --> 00:11:36,266
the insurance company paid
everything that they were supposed to pay,
270
00:11:36,266 --> 00:11:38,600
including the gap insurance
for this accident.
271
00:11:38,600 --> 00:11:40,533
- The gap insurance did not pay.
- [Judy] So I can't help you.
272
00:11:40,533 --> 00:11:42,000
Listen to me.
273
00:11:42,000 --> 00:11:43,900
I'm not gonna repeat myself.
274
00:11:44,767 --> 00:11:47,266
This doesn't tell me
how much you owed
275
00:11:47,266 --> 00:11:48,333
prior to the accident
276
00:11:48,333 --> 00:11:49,934
and what it was for.
277
00:11:49,934 --> 00:11:53,367
And if it shows that all you owed
currently, prior to the accident,
278
00:11:53,367 --> 00:11:58,467
it had to show that that was 7379
and it included the gap insurance.
279
00:11:58,467 --> 00:12:03,033
You may have had old finance fees
that had nothing to do with her.
280
00:12:03,033 --> 00:12:04,500
The gap insurance never paid.
281
00:12:04,500 --> 00:12:06,734
I can't help you, madam,
you don't have the right paperwork.
282
00:12:06,734 --> 00:12:08,533
If she would have never had the car,
283
00:12:08,533 --> 00:12:11,934
then I would have been responsible
totally to pay all of that amount.
284
00:12:11,934 --> 00:12:15,934
But because I don't have a car,
it disrupted my life.
285
00:12:15,934 --> 00:12:19,934
It's cost me more than just this amount
that's still on my credit.
286
00:12:19,934 --> 00:12:21,867
[Judy] She didn't do
anything wrong so far.
287
00:12:21,867 --> 00:12:23,934
I mean, you have
a 21-year-old girl
288
00:12:23,934 --> 00:12:26,700
who shouldn't have taken the car keys
without permission.
289
00:12:26,700 --> 00:12:29,500
But the car was there
and it was there with your permission.
290
00:12:29,500 --> 00:12:32,133
And there's no question
that the accident was her fault.
291
00:12:32,133 --> 00:12:33,734
I have been asking her
to return my car.
292
00:12:33,734 --> 00:12:35,000
[Judy]
If you have the proof,
293
00:12:35,000 --> 00:12:38,734
the only thing I want you to show me
is a document from your lender,
294
00:12:38,734 --> 00:12:43,066
which says how much was owed
at the time of the accident
295
00:12:43,066 --> 00:12:44,033
and for what.
296
00:12:44,033 --> 00:12:45,266
Do you have that?
297
00:12:45,266 --> 00:12:47,600
I don't because I didn't think
that I needed it.
298
00:12:47,600 --> 00:12:48,967
[Judy]
Okay, well, then I can't help you.
299
00:12:48,967 --> 00:12:51,066
That's... Today's court day.
300
00:12:51,066 --> 00:12:52,533
This is the day you have.
301
00:12:52,533 --> 00:12:54,867
- I have a ton of evidence here.
- [Judy] We're done.
302
00:12:54,867 --> 00:12:57,734
Madam, you don't have
the evidence that I need.
303
00:12:57,734 --> 00:13:01,400
Your request for $9,000
for a $5,000 car,
304
00:13:01,400 --> 00:13:04,300
which you've already been paid
7,300, is ridiculous!
305
00:13:04,300 --> 00:13:08,133
So all I have to see is
how much was deferred
306
00:13:08,133 --> 00:13:10,767
and the interest on the accrued
that you deferred
307
00:13:10,767 --> 00:13:14,000
while you were using the car
before she had it
308
00:13:14,000 --> 00:13:17,033
for this five or six weeks
that she had it in September.
309
00:13:17,033 --> 00:13:18,433
If you have that, I'll look at it.
310
00:13:18,433 --> 00:13:20,000
If you don't have it, I'm not interested.
311
00:13:20,000 --> 00:13:22,500
- Do you have it?
- The paperwork that you have.
312
00:13:22,500 --> 00:13:25,066
Well, then I'm gonna give it back to you,
313
00:13:25,066 --> 00:13:28,300
and you're going to show me
where it shows here,
314
00:13:28,300 --> 00:13:32,967
in October of 2020,
how much you owed on the car,
315
00:13:32,967 --> 00:13:37,567
and how much were past payments
and finance charges
316
00:13:37,567 --> 00:13:39,200
based on the last payments.
317
00:13:41,233 --> 00:13:42,834
You understand what you gave me?
318
00:13:42,834 --> 00:13:45,333
If I can make this as simple
as possible for you,
319
00:13:45,333 --> 00:13:48,433
if you never loaned her the car,
320
00:13:48,433 --> 00:13:51,133
if you had the car
for that five-week period,
321
00:13:51,133 --> 00:13:55,467
and you had an accident with the car
during that five-week period,
322
00:13:55,467 --> 00:13:58,400
you would be in the exact same position
you are now.
323
00:13:58,400 --> 00:14:02,133
The company would have paid off
what they paid,
324
00:14:02,133 --> 00:14:04,967
and would not have paid off
what you still owe them
325
00:14:04,967 --> 00:14:06,433
because you deferred payments.
326
00:14:06,433 --> 00:14:08,934
It doesn't matter who was driving the car.
327
00:14:08,934 --> 00:14:10,333
- And I do understand that.
- [Judy] Okay, good.
328
00:14:10,333 --> 00:14:12,066
- And I will be responsible.
- I'm glad you understand.
329
00:14:12,066 --> 00:14:14,533
- I'm glad you understand it.
- But she stole my car.
330
00:14:14,533 --> 00:14:16,967
I'm glad you understand
that your case is dismissed. We're done.
331
00:14:16,967 --> 00:14:18,133
[bailiff]
This court is adjourned.
332
00:14:18,133 --> 00:14:21,266
[theme music playing]
333
00:14:21,266 --> 00:14:22,967
{\an8}She needed to borrow my car.
334
00:14:22,967 --> 00:14:24,166
{\an8}It was just a bad accident.
335
00:14:24,166 --> 00:14:27,200
{\an8}It was just me, young,
got into an accident.
336
00:14:27,200 --> 00:14:29,734
{\an8}So I thought that I was helping her.
337
00:14:29,734 --> 00:14:32,967
{\an8}You know, so when this balance is due,
I'm the one that's out.
338
00:14:32,967 --> 00:14:35,033
{\an8}The car hit me.
It ran the light and it hit me.
339
00:14:35,033 --> 00:14:36,400
{\an8}You know, I'm the one that's suffering.
340
00:14:36,400 --> 00:14:38,333
{\an8}I'm the one that gotta pay
all of that money.
341
00:14:38,333 --> 00:14:39,266
{\an8}I'm fine.
342
00:14:39,266 --> 00:14:41,166
{\an8}So I don't think that
that was fair at all.
343
00:14:43,033 --> 00:14:46,633
So for a period of time,
let's say six or seven months,
344
00:14:46,633 --> 00:14:47,934
her numbers kept changing.
345
00:14:47,934 --> 00:14:50,967
First it was three months she didn't pay,
346
00:14:50,967 --> 00:14:53,500
and then it was one or two months
that she didn't say,
347
00:14:53,500 --> 00:14:54,700
and she may have been late a little bit.
348
00:14:54,700 --> 00:14:55,600
Yeah.
349
00:14:55,600 --> 00:14:57,834
Well, insurance company's
not gonna give you credit for that.
350
00:14:57,834 --> 00:14:59,834
And it didn't look to me,
based on the papers,
351
00:14:59,834 --> 00:15:02,233
that there was any animus...
352
00:15:02,233 --> 00:15:04,834
- No.
- ...between the parties until...
353
00:15:04,834 --> 00:15:06,133
- Until just right now.
- Until today.
354
00:15:06,233 --> 00:15:07,100
[chuckles]
355
00:15:07,100 --> 00:15:10,000
And then maybe she should
be angry with me and not at them.
356
00:15:10,000 --> 00:15:12,633
But they all know each other
and get along with each other.
357
00:15:12,633 --> 00:15:15,000
So that the amount of money
she has to pay
358
00:15:15,000 --> 00:15:16,667
is the amount of money
she should have paid...
359
00:15:16,667 --> 00:15:17,567
Mm-hmm.
360
00:15:17,567 --> 00:15:20,500
...while she was driving the car
but chose to defer.
361
00:15:20,500 --> 00:15:23,000
And I think that that's a good lesson
about deferring payments.
362
00:15:23,000 --> 00:15:24,667
Especially now with COVID and everything,
363
00:15:24,667 --> 00:15:27,333
I know people my age,
25, around there,
364
00:15:27,333 --> 00:15:28,834
have been deferring payments,
365
00:15:28,834 --> 00:15:33,133
whether it be for car notes
or for interest on your loans,
366
00:15:33,133 --> 00:15:35,734
things like that, that sometimes
she didn't even realize
367
00:15:35,734 --> 00:15:37,834
that this was all accruing
under the surface.
368
00:15:37,834 --> 00:15:40,367
So you think that by deferring,
if you don't read the fine print,
369
00:15:40,367 --> 00:15:41,667
that could be a good lesson that,
370
00:15:41,667 --> 00:15:43,066
- if an accident happens...
- Yeah, and she said she had
371
00:15:43,066 --> 00:15:44,500
a lot of other things
going on in her life.
372
00:15:44,500 --> 00:15:46,133
- But that...
- And again, it was an accident.
373
00:15:46,133 --> 00:15:48,867
- It was an accident.
- They don't call it an "on-purpose," so...
374
00:15:48,867 --> 00:15:51,667
Case 2133, Morrissey versus Comer.
375
00:15:51,667 --> 00:15:53,166
All parties, please come forward.
376
00:15:53,166 --> 00:15:58,734
{\an8}[announcer] Tabatha Morrissey
is suing her former friend, Tina Comer,
377
00:15:58,734 --> 00:16:01,533
for an unpaid loan
and personal belongings.
378
00:16:02,266 --> 00:16:05,333
Miss Morrissey, you have a lot of claims
here against the defendant,
379
00:16:05,333 --> 00:16:09,166
for a personal loan and the value
of personal belongings.
380
00:16:09,166 --> 00:16:11,133
- Yes, Your Honor.
- [Judy] Okay.
381
00:16:11,133 --> 00:16:12,633
She was a friend of yours.
382
00:16:12,633 --> 00:16:14,934
You used to go gambling together,
Miss Morrissey?
383
00:16:14,934 --> 00:16:15,934
Yes, we did.
384
00:16:16,033 --> 00:16:17,900
How many times a week
did you go gambling?
385
00:16:17,900 --> 00:16:19,400
Probably once or twice a week.
386
00:16:19,400 --> 00:16:20,734
[Judy]
And did you go just the two of you?
387
00:16:20,734 --> 00:16:21,633
[Tabatha] Yes.
388
00:16:21,633 --> 00:16:23,433
[Judy]
And over what period of time?
389
00:16:23,433 --> 00:16:25,133
{\an8}- Over...
- [Judy] A year or two? Three?
390
00:16:25,133 --> 00:16:26,300
{\an8}Probably a year.
391
00:16:26,300 --> 00:16:28,867
{\an8}[Judy] There was a time when you went
and, according to you,
392
00:16:28,867 --> 00:16:30,767
{\an8}Miss Comer didn't have any money.
393
00:16:30,767 --> 00:16:34,000
{\an8}And so you agreed to advance her money,
394
00:16:34,000 --> 00:16:37,233
and she says actually you agreed
to advance her money
395
00:16:37,233 --> 00:16:40,467
and the agreement was if you won,
she would pay you back with her winnings.
396
00:16:40,467 --> 00:16:41,767
- Whatever it was...
- No, Your Honor, that's...
397
00:16:41,767 --> 00:16:44,734
[Judy] Whatever it was, how much money
did you give her to gamble?
398
00:16:44,734 --> 00:16:47,600
I loaned her 230 bucks,
399
00:16:47,600 --> 00:16:51,300
with the agreement
that she would pay me an extra 200 bucks
400
00:16:51,300 --> 00:16:53,633
because she was gonna get
her mother's inheritance.
401
00:16:53,633 --> 00:16:55,100
[Judy]
Okay, on what date?
402
00:16:55,100 --> 00:16:56,633
[Tabatha]
April 28, 2022.
403
00:16:56,633 --> 00:16:58,734
Okay, and you went gambling with her.
404
00:16:58,734 --> 00:17:03,333
{\an8}No, she came by, and we were
gonna go meet at the casino,
405
00:17:03,333 --> 00:17:06,633
{\an8}but I didn't really want to do it
because I have a boyfriend
406
00:17:06,633 --> 00:17:08,100
- that doesn't like me going there.
- [Judy] Just a second.
407
00:17:08,100 --> 00:17:10,100
- I don't need a whole story.
- [Tabatha] Okay. All right, sorry.
408
00:17:10,100 --> 00:17:14,900
So she went to the casino without me,
and then she came by my house after that
409
00:17:14,900 --> 00:17:18,033
and told me that she spent
her boyfriend's money at the casino
410
00:17:18,033 --> 00:17:21,000
and so, that she was supposed
to use it at the store.
411
00:17:21,000 --> 00:17:24,400
And so I gave her the money to cover that,
and that's when...
412
00:17:24,400 --> 00:17:26,266
[Judy]
Well, wait, you gave...
413
00:17:26,266 --> 00:17:29,967
You gave her the money to cover that
because she asked you for it?
414
00:17:29,967 --> 00:17:30,900
Yes.
415
00:17:30,900 --> 00:17:32,467
[Judy]
And she agreed to pay you back.
416
00:17:32,467 --> 00:17:33,934
- Yes.
- [Judy] Okay.
417
00:17:33,934 --> 00:17:36,300
[theme music playing]
418
00:17:36,300 --> 00:17:38,934
February, did you go to the casino
and lose
419
00:17:38,934 --> 00:17:40,867
- some of your boyfriend's money?
- No.
420
00:17:40,867 --> 00:17:43,867
[Judy] Did you go to her house
and tell her that you lost some of your...
421
00:17:43,867 --> 00:17:44,834
It wasn't in February.
422
00:17:44,834 --> 00:17:45,900
What month?
423
00:17:45,900 --> 00:17:47,767
It was, uh, probably April.
424
00:17:47,767 --> 00:17:49,133
I don't care what month it was.
425
00:17:49,133 --> 00:17:52,133
Did you tell her you lost
your boyfriend's money at the casino?
426
00:17:56,967 --> 00:17:59,533
[theme music playing]
427
00:18:03,700 --> 00:18:08,967
{\an8}[announcer] Tabatha Morrissey
claims her former friend, Tina Comer,
428
00:18:08,967 --> 00:18:12,834
owes for an unpaid loan
and personal belongings.
429
00:18:13,800 --> 00:18:14,734
Go!
430
00:18:14,734 --> 00:18:16,934
[chuckles]
No, it was in February. Uh...
431
00:18:16,934 --> 00:18:18,934
- [Judy] Okay, February.
- Yeah, I won a jackpot.
432
00:18:18,934 --> 00:18:21,200
- [Tabatha] No, it wasn't.
- [Judy] Just a second. Just a second.
433
00:18:21,200 --> 00:18:24,633
February, did you go to the casino
and lose some of your boyfriend's money?
434
00:18:24,633 --> 00:18:26,033
- No.
- [Judy] Okay.
435
00:18:26,033 --> 00:18:29,200
Did you go to her house and tell her
that you lost some of your...
436
00:18:29,200 --> 00:18:30,166
It wasn't in February.
437
00:18:30,166 --> 00:18:31,567
[Judy]
What month?
438
00:18:31,567 --> 00:18:33,200
It was, uh, probably April.
439
00:18:33,200 --> 00:18:34,867
[Judy]
I don't care what month it was.
440
00:18:34,867 --> 00:18:37,500
Did you tell her you lost
your boyfriend's money at the casino?
441
00:18:37,500 --> 00:18:38,667
Thirty dollars of it.
442
00:18:40,567 --> 00:18:45,934
{\an8}Okay, but in February I won a jackpot
and I didn't have my license with me
443
00:18:45,934 --> 00:18:48,600
{\an8}'cause I lost my wallet
and they told me I had to come back
444
00:18:48,600 --> 00:18:49,633
- with my license to get it.
- That's the time...
445
00:18:49,633 --> 00:18:51,066
- I don't wanna hear you.
- [Tabatha] Sorry.
446
00:18:51,066 --> 00:18:55,500
So I asked Tabatha if she would take me
back up to get my jackpot money
447
00:18:55,500 --> 00:18:57,266
and I would pay her the money
that I owe her,
448
00:18:57,266 --> 00:18:58,734
plus give her sixty for gas.
449
00:18:58,734 --> 00:19:00,967
And that's when I paid her the money back.
450
00:19:00,967 --> 00:19:05,266
And then her boyfriend also, or some guy
that she brought up there with us,
451
00:19:05,266 --> 00:19:06,734
asked if he could borrow some money
452
00:19:06,734 --> 00:19:08,967
because he said
Tabatha said she'll pay me back.
453
00:19:08,967 --> 00:19:10,100
So I gave him a hundred too.
454
00:19:10,100 --> 00:19:12,433
When you came back
and told her that you had lost
455
00:19:12,433 --> 00:19:14,433
some of your boyfriend's money,
according to you,
456
00:19:14,433 --> 00:19:17,100
- it was $30, not 230.
- [Tina] Yeah, it was 30.
457
00:19:17,100 --> 00:19:20,233
I already paid her the two-something
when she took me in February.
458
00:19:20,233 --> 00:19:21,233
[Judy]
Oh, that was before?
459
00:19:21,233 --> 00:19:24,000
[Tina] Yeah, so I didn't owe her no money
because I paid her back in February,
460
00:19:24,000 --> 00:19:25,567
the money that I did owe her.
461
00:19:25,567 --> 00:19:27,233
- I've got proof of it too.
- [Judy] I'd like to see it.
462
00:19:27,233 --> 00:19:28,433
- [Tabatha] And I've got proof that...
- [Judy] Shh.
463
00:19:28,433 --> 00:19:29,433
Okay.
464
00:19:29,433 --> 00:19:32,600
Take it out, I'll see whatever proof
you have over this loan.
465
00:19:32,600 --> 00:19:35,200
- Okay, yes.
- And...
466
00:19:39,200 --> 00:19:40,033
Come on, let's go.
467
00:19:40,033 --> 00:19:40,934
- [Tina] Okay, well here's...
- [Tabatha] Okay.
468
00:19:40,934 --> 00:19:42,567
- [Tina] Here's where I won the money.
- [Tabatha] Here's proof.
469
00:19:42,567 --> 00:19:47,000
I also got proof of her saying that
when she still owed me the money
470
00:19:47,000 --> 00:19:48,734
back in May.
471
00:19:48,734 --> 00:19:50,000
I got proof of that too.
472
00:19:50,000 --> 00:19:51,867
Casino check? I'm not interested in this.
473
00:19:51,867 --> 00:19:52,934
[Tina]
That's when I won the money.
474
00:19:52,934 --> 00:19:54,000
I don't care.
475
00:19:54,000 --> 00:19:57,300
And that other one shows when
I had to go back and pick it up.
476
00:19:57,300 --> 00:19:59,033
I don't care about that either.
477
00:19:59,033 --> 00:20:00,967
- And then...
- [Judy] Shh.
478
00:20:02,533 --> 00:20:05,967
April 28th. "I can loan you some."
479
00:20:05,967 --> 00:20:08,266
- That's in April.
- [Tabatha] Yes, April 28th.
480
00:20:08,266 --> 00:20:10,033
[Judy]
So that's when she asks for some money.
481
00:20:10,033 --> 00:20:11,033
[Tabatha] Yes.
482
00:20:11,133 --> 00:20:12,967
{\an8}- [Judy] And that was the $230?
- Yes.
483
00:20:12,967 --> 00:20:13,900
{\an8}[Judy]
I'd like to see what you have.
484
00:20:13,900 --> 00:20:15,367
[Tabatha]
This is...
485
00:20:15,367 --> 00:20:18,000
- That's April, that's not February.
- [Tina] No.
486
00:20:18,000 --> 00:20:23,300
That's in June when she told me
what she owed me in cash-wise.
487
00:20:23,300 --> 00:20:26,967
[Judy] Okay, so on June 11th,
Miss Comer, you write to her
488
00:20:26,967 --> 00:20:29,734
that you saw her take some stuff.
489
00:20:29,734 --> 00:20:30,700
Yes.
490
00:20:30,700 --> 00:20:34,533
Some beads, or friends took beads
that belonged to you,
491
00:20:34,533 --> 00:20:38,633
and you say to her, "So don't tell me
you don't steal from me.
492
00:20:38,633 --> 00:20:40,667
Friends don't steal from friends.
493
00:20:40,667 --> 00:20:46,133
So I won't burn you for what I borrowed,
which is $230.
494
00:20:46,133 --> 00:20:49,433
But I decided I will not give you
the other 200.
495
00:20:49,433 --> 00:20:52,100
So I'm just not going
to give you the extra.
496
00:20:52,100 --> 00:20:55,133
That's what it's going to cost you
for stealing from me.
497
00:20:55,133 --> 00:20:58,033
You should think twice before
you steal from because
498
00:20:58,033 --> 00:21:00,967
I could say
I'm not giving you nothing.
499
00:21:00,967 --> 00:21:04,533
So I'm only taking back
what I was going to give you.
500
00:21:04,533 --> 00:21:06,567
We had to sign some more papers,
501
00:21:06,567 --> 00:21:10,633
so I should get it any day
and I will text you when I get it.
502
00:21:10,633 --> 00:21:15,300
I'm also missing
a half box of sunglasses,
503
00:21:15,300 --> 00:21:17,633
and that girl is going to get it.
504
00:21:17,633 --> 00:21:20,700
She lied saying the hair clippers
were hers."
505
00:21:20,700 --> 00:21:21,834
I don't care about all that.
506
00:21:21,834 --> 00:21:25,767
Okay, I'm gonna deal
with this loan of $230.
507
00:21:25,767 --> 00:21:28,734
{\an8}And it's clear from your statement,
Miss Comer,
508
00:21:28,734 --> 00:21:30,767
{\an8}although it's usurious interest
509
00:21:30,767 --> 00:21:36,467
{\an8}and I'm not going to grant you
that other $200 because it's outrageous,
510
00:21:36,467 --> 00:21:38,834
she's giving you 100% interest
on the 230.
511
00:21:38,834 --> 00:21:41,600
But you are entitled to your $230 back.
512
00:21:41,600 --> 00:21:43,700
- But that was our agreement, though.
- [Judy] Okay, because she acknowledges...
513
00:21:43,700 --> 00:21:44,967
Shh. Just a second.
514
00:21:44,967 --> 00:21:47,333
She acknowledges the debt on June 11th.
515
00:21:47,333 --> 00:21:48,233
Mm-hmm.
516
00:21:48,233 --> 00:21:51,700
Now, what about the personal belongings
that you say...
517
00:21:51,700 --> 00:21:53,000
And don't give me a lot of nonsense.
518
00:21:53,000 --> 00:21:55,266
- I'm not listening to a lot of nonsense.
- [Tabatha] Okay, yes.
519
00:21:55,266 --> 00:21:58,266
She came to me and said
she wanted to do a yard sale.
520
00:21:58,266 --> 00:22:00,900
So we were gonna do it in May.
521
00:22:00,900 --> 00:22:03,367
Okay, you were supposed
to do a yard sale.
522
00:22:03,500 --> 00:22:04,400
[Tabatha] Yes.
523
00:22:04,400 --> 00:22:06,900
It worked for a week,
it didn't work the next week.
524
00:22:06,900 --> 00:22:10,166
What items do you say she has of yours?
525
00:22:10,166 --> 00:22:11,767
She has jewelry of mine.
526
00:22:11,767 --> 00:22:13,266
I'm not listening to jewelry.
527
00:22:13,266 --> 00:22:15,734
Show me the insurance receipts
for jewelry. Come on.
528
00:22:15,734 --> 00:22:18,033
- Let's go, what does she have of yours?
- I can show you the pictures
529
00:22:18,033 --> 00:22:21,000
of her yard sale
that does have my stuff in it.
530
00:22:21,000 --> 00:22:22,900
[Judy] Well, what did she end up with
your stuff for?
531
00:22:22,900 --> 00:22:24,367
You were there at the yard sale.
532
00:22:24,367 --> 00:22:26,667
I didn't have a car,
so she came and picked me up
533
00:22:26,667 --> 00:22:29,166
and took me to my storage
to go get my yard sale stuff
534
00:22:29,166 --> 00:22:31,834
to take over to her house
to do it in the yard sale.
535
00:22:31,834 --> 00:22:34,667
She was supposed to contact me
and come get me
536
00:22:34,667 --> 00:22:36,367
when she was getting ready
to do the yard sale.
537
00:22:36,367 --> 00:22:37,967
I stayed the night at her house,
538
00:22:37,967 --> 00:22:41,233
and we were setting up all night long
539
00:22:41,233 --> 00:22:44,400
'cause it was a really big yard sale,
it was more like a flea market-type thing.
540
00:22:44,400 --> 00:22:48,333
And she never contacted me
after dropping me back off at home,
541
00:22:48,333 --> 00:22:52,066
and she said that my box of jewelry
fell out of my stuff
542
00:22:52,066 --> 00:22:54,300
when she was loading it up
because she fell.
543
00:22:54,300 --> 00:22:56,934
{\an8}So when she got home that night
after dropping me off,
544
00:22:56,934 --> 00:22:58,300
{\an8}she said it was in the driveway.
545
00:22:58,300 --> 00:22:59,500
{\an8}You have that in a text message?
546
00:22:59,500 --> 00:23:00,600
[Tabatha]
That was my personal belongings.
547
00:23:00,600 --> 00:23:01,600
- Do you have it?
- [Tabatha] Yes.
548
00:23:01,600 --> 00:23:02,500
- Yes, I do.
- [Judy] I'd like to see it.
549
00:23:02,600 --> 00:23:03,900
[Tabatha]
Okay, hold up.
550
00:23:05,433 --> 00:23:06,300
[Judy]
Thank you.
551
00:23:16,233 --> 00:23:19,467
{\an8}So this looks like a lot
of cheap plastic crystals.
552
00:23:19,467 --> 00:23:21,433
{\an8}No, my wedding ring was in that box.
553
00:23:21,433 --> 00:23:22,600
No, it wasn't.
554
00:23:22,600 --> 00:23:24,800
I had my box of jewelry with me
555
00:23:24,800 --> 00:23:26,767
to go through
when I stayed the night at her house.
556
00:23:26,767 --> 00:23:31,400
And I was taking out the other jewelry,
and the box that was coming with me home,
557
00:23:31,400 --> 00:23:34,233
she was loading it up and she said
it fell out of her car.
558
00:23:34,233 --> 00:23:36,900
So I don't see how it fell out,
but she said it did.
559
00:23:36,900 --> 00:23:39,867
So when she got there that night,
she said she'd seen it in her driveway.
560
00:23:39,867 --> 00:23:42,066
So, I mean, that had
my wedding ring in it.
561
00:23:42,066 --> 00:23:44,000
And I was in the middle
of getting a divorce,
562
00:23:44,000 --> 00:23:45,433
but it still means something to me.
563
00:23:45,433 --> 00:23:48,500
Mm-hmm. $230.
Judgment for the plaintiff.
564
00:23:48,500 --> 00:23:49,800
We're done here. Thank you.
565
00:23:49,800 --> 00:23:50,967
[bailiff]
This court is adjourned.
566
00:23:50,967 --> 00:23:53,467
[theme music playing]
567
00:23:53,467 --> 00:23:54,900
{\an8}Everything she said was a lie.
568
00:23:54,900 --> 00:23:57,533
{\an8}About the money, about all her stuff,
everything was a lie.
569
00:23:57,533 --> 00:24:00,300
{\an8}Because she just doesn't want
to pay me my money.
570
00:24:00,300 --> 00:24:02,133
{\an8}She just wants to get money out of me
571
00:24:02,133 --> 00:24:05,433
{\an8}'cause I won two jackpots
and I got my mother's inheritance.
572
00:24:05,433 --> 00:24:06,633
{\an8}It hurts very much.
573
00:24:06,800 --> 00:24:07,667
{\an8}She's done.
574
00:24:07,667 --> 00:24:09,100
{\an8}I don't even care to see her.
575
00:24:10,433 --> 00:24:16,100
That was really very simple
when you discarded this garage sale
576
00:24:16,100 --> 00:24:19,333
and crystal beads
listed as some of the items...
577
00:24:19,333 --> 00:24:21,000
- Yeah.
- ...in the text message.
578
00:24:21,000 --> 00:24:24,166
- There were their boyfriend's tweezers...
- Mm-hmm.
579
00:24:24,166 --> 00:24:26,533
But when you got rid of that,
it was actually pretty simple.
580
00:24:26,533 --> 00:24:27,767
Cash loan, $230.
581
00:24:27,767 --> 00:24:30,600
Cash loan, $230,
that she acknowledged in June.
582
00:24:30,600 --> 00:24:31,734
Mm-hmm.
583
00:24:31,734 --> 00:24:32,967
- So relatively easy.
- Yeah.
584
00:24:32,967 --> 00:24:33,900
Some easy...
585
00:24:33,900 --> 00:24:35,433
- Some not. [chuckles]
- ...some not.
586
00:24:37,066 --> 00:24:38,200
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587
00:24:38,200 --> 00:24:40,700
{\an8}Go to JudyJustice.tv.
588
00:24:45,500 --> 00:24:47,500
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