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He wanted to know
if you wanted to buy his car.

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I said, "Absolutely, that would be great."

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She crashed the car.

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What difference does that make?

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The car is paid off.

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Let's understand something, sir,
does this face look stupid?

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You think they kept me around here
26 years 'cause I'm stupid?

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[announcer] This is Judy Justice.

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[theme music playing]

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[announcer] Jeffrey Coley
is suing his former friend,

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Melissa Zavala
and her daughter, Faith Grey

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for breach of contract on a car loan.

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/[Kevin] Court come to order, all rise.

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Have a seat, please.

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- [Kevin] Hello, Judge.
- How are you, Kevin?

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Case number 1159 Coley versus Zavala Grey.

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- Thank you.
- You're welcome.

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[Judge Judy] You're Ms. Zavala?

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Yes, Your Honor.

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[Judge Judy] And this is your daughter?

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Yes, she is.

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I'm gonna start with you.

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How do you know the plaintiff?

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I had met him, um,
I was having car trouble.

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My friend rented me a Airbnb

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because I, um,
she didn't wanna take me home.

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So, he had been renting the same Airbnb
and that's how we got,

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um, that's how we met each other.

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In what month and year was that?

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Approximately June or July of 2020.

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[Judge Judy] 2020?

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Yes, ma'am.

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And at the time, you didn't have a car?

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I had a vehicle but it wasn't,
uh, it wasn't operating.

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[Judge Judy] So you didn't have a car?

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Having a car that's not operating
is like not having a car.

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And were you and Mr. Coley just friends

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or did you have
a more social relationship?

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No, we were just strictly just friends.

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Is that correct?

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Yes, Your Honor.

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[Judge Judy] And I assume
that you told him about your car trouble?

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Yes, Your Honor.

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[Judge Judy]
And what did Mr. Coley say to you?

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- [Melissa] I believe...
- Look at me.

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[Melissa] Okay. I'm sorry.

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I believe that he offered
to rent a vehicle for me and...

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So he said, "I'll rent a car for you."

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Yes, Your Honor.

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[Judge Judy] That was very nice of him.

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How were you gonna arrange
to pay him for that?

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Oh, I had...
I had the money to pay for the rental.

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[Judge Judy]
So why would he have to rent it for you?

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He gets, um, like, discounts in, and...

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with his AAA or, or he had some,

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some kind of promotional thing
that it was gonna be cheap.

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What kind of promotional thing
that you had

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that was gonna be cheap, Mr. Coley?

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No promotions at all.

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It's--she didn't have credit

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and she told me she was gonna go rent it,

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she actually drove down

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or got a ride to the rental car place

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and she called me
from the counter and said,

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"Oh, need a credit card,
they won't rent to me, come on down."

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- Does that sound more familiar...
- [Melissa] Yeah. No, that, uh,

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- that was correct, Your Honor.
- Does that sound more familiar?

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- Yes, Your Honor.
- [Judge Judy] That you went there

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and they wouldn't rent you a car?

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Yes, Your Honor.

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It was my--it was--
I didn't have a credit card. Yeah.

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Okay. And in what month was that?

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Uh, yeah. Like July.

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[Judge Judy] So shortly after you met him?

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Yeah. Oh, yeah.

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Immediately after I met him.

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So now, you called him

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from the rental car place,

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you had just met him
and said they won't rent me a car

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because I have no credit card

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and now you're at the rental car place,
where's your daughter?

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At the time, she was at school.

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She was still going to high school.

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She was nowhere involved.

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Okay. So you were by yourself
at the rental car place?

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- Yes, Your Honor.
- [Judge Judy] And then what happened?

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Jeff came and he...

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[Judge Judy]
He came to the rental car place?

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Yeah. And he, he, uh,
we were gonna rent a Charger

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but something had happened.

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He didn't have enough money
in his bank or something like that.

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So he said I could use his vehicle.

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Then we went back to his place,
we chitchatted a little bit,

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and I believe it was the next day
that he called and told me

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that he was gonna purchase
another vehicle,

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if I wanted to buy his car
that he had now,

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which is the Altima I'm currently buying.

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So he was going to get another car

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and he wanted to know
if you wanted to buy his car?

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Yeah, he was really excited,
he was looking...

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- [Judge Judy] Just a second.
- Uh-hmm.

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He wanted to know if you wanted
to buy his car and what did you say?

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I said, "Absolutely.

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That would be--that would be great."

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And he said, "Uh, you know, I know how..."

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[Judge Judy] Just, just, just a second.

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I'm--that's not exactly what you say
in your answer but continue.

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So, he said, "You wanna buy my car?"
Great.

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Well, if you wanna buy somebody's car
then you usually negotiate a price.

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You're correct.

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What price do you claim
that you negotiated?

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I believe it was around 55...

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[Judge Judy] No, no, no, not around.

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When you buy a car,

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you negotiate a price, Ms. Zavala.

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- How old are you?
- Forty.

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When you by a car, you negotiate a price,

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even my 18-year-old grandchild knows that.

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Okay.

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"I like that car.

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How much is it?"

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"I want $4,000."

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"I'll give you $3,000."

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"How about $3,200?"

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"How about 3,700?"

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Do you understand?

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- I do.
- [Judge Judy] You negotiate a price.

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You're a big girl,
you have a grown-up daughter.

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So, you wanna buy my car,
this is what you're telling me now,

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you said that would be great

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and what do you do
about the cost of the car?

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He said he was gonna give me time

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to get, uh, a deposit together
and sell my--

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the car that wasn't working.

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Did you come up with a price?

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Yeah, I thought it was, uh, 5,500.

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What do you mean you thought
it was 5,500?

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That's what--
that's what he told me, it's 5,500.

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- [Judge Judy] Five thousand...
- I will be taking over payment.

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Shhh, $5,500,
you were taking over payment.

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Taking over the rest of his payments.

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[Judge Judy] Just a second.

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So you knew his car

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was either leased

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or bought and there was a loan on it?

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Yeah. I'm, uh,

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I just know that he told me,

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"You're gonna pay me payments
of this amount of money every month."

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And I said, "No problem."

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He goes, "Get as much money
as you can together for a deposit.

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For a down payment on the car."
And that's what I did.

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I didn't ask
if he was still financing the car,

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I didn't ask any of those questions.
He just gave me...

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[Judge Judy] Okay.

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...an amount
of what he wanted every month.

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Now if I believe that part of the story
before you said,

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if I'm not mistaken,

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that it was $5,500, I was just...

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I believe she used the words,

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"Taking over his payments."

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- [Melissa] Yeah, I did say that.
- "I would be taking over his payments."

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"I would be taking over his payments."

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Well, when you take over
somebody's payments,

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it means that they owe money,

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then you would say,

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unless you're a real fool,

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how much do you still owe on the car?

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You mean you never had
that conversation with him?

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I don't remember.

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[Judge Judy]
Then let's go a little further.

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So now in July, you have a car?

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His car?

173
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Yes.

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Did you sell your car?

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Yes, I did.

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[Judge Judy]
What kind of a car was it that you sold?

177
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A '98 Honda Civic.

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Who did you sell it to?

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A friend of mine's dad.

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And how much did you get for it?

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I got 700 and I gave him 600.

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When did you sell it?

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I don't remember the date.

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I have--I have it
in my evidence here though.

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- I have...
- Take a look.

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March 2nd.

187
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So March 2nd was the first time
you gave him any money on the car,

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is that what you're telling me?

189
00:06:36,867 --> 00:06:37,700
No, I'm sorry.

190
00:06:37,767 --> 00:06:40,332
This--I read it wrong,
it actually doesn't say the date here,

191
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he--he's the one that,
like, typed this up.

192
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It doesn't tell me a date.

193
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I, I believe it was like not even
two weeks after I had, um, gotten the...

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- [Judge Judy] That would be in July?
- ...would be--yeah.

195
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It was still in July, yeah.

196
00:06:49,467 --> 00:06:51,933
Well, when did you sell your other car?

197
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Like a week or two after.

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00:06:53,533 --> 00:06:54,967
So in July.

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00:06:55,033 --> 00:06:56,600
Making it up as she's going along.

200
00:06:58,867 --> 00:07:00,734
Let's understand something, sir.

201
00:07:00,800 --> 00:07:02,233
Does this face look stupid?

202
00:07:02,300 --> 00:07:05,834
Do you think they kept me around here
25 years, 26 years 'cause I'm stupid?

203
00:07:05,900 --> 00:07:07,767
The document that you gave me

204
00:07:07,834 --> 00:07:09,834
says amount left to pay,

205
00:07:09,900 --> 00:07:12,567
- $2,879.
- I agree.

206
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[theme music playing]

207
00:07:23,433 --> 00:07:27,300
[announcer] Jeffrey Coley
is accusing his former friend,

208
00:07:27,367 --> 00:07:31,500
Melissa Zavala, of not completing
the payments on a car loan.

209
00:07:31,567 --> 00:07:35,332
Melissa says she's already paid more
than the car is worth.

210
00:07:36,800 --> 00:07:38,700
Okay. When did you get the $600?

211
00:07:38,767 --> 00:07:40,233
A couple of weeks later.

212
00:07:40,300 --> 00:07:42,033
- [Judge Judy] Okay.
- And I'm showing 540.

213
00:07:42,100 --> 00:07:44,800
I--it was pretty good at nickel and dime.

214
00:07:44,867 --> 00:07:46,800
- Just--that's your fault.
- [Jeffrey] Yes.

215
00:07:46,867 --> 00:07:48,367
If--that's your fault. You're the seller.

216
00:07:48,433 --> 00:07:49,266
Yes.

217
00:07:49,332 --> 00:07:51,033
[Judge Judy] I don't know
what your end game was

218
00:07:51,100 --> 00:07:51,967
but that's your fault.

219
00:07:52,033 --> 00:07:52,867
[Jeffrey] I was just being nice.

220
00:07:52,933 --> 00:07:55,367
- That's your--being nice and...
- [Jeffrey] Well...

221
00:07:55,433 --> 00:07:56,900
Then if you're being nice

222
00:07:56,967 --> 00:07:59,933
and you're burdening me
then I get to be not nice.

223
00:08:00,066 --> 00:08:01,734
That you don't keep good records.

224
00:08:01,800 --> 00:08:03,934
Nickel here, five dollars here,
ten dollars there,

225
00:08:04,000 --> 00:08:09,000
and then you expect somebody
with several degrees

226
00:08:09,066 --> 00:08:14,066
to make chicken salad
out of what you've created, Mr. Coley.

227
00:08:14,133 --> 00:08:14,967
Do you understand?

228
00:08:15,033 --> 00:08:16,633
If you sell somebody your car

229
00:08:16,700 --> 00:08:18,533
and you're looking
for a different end game,

230
00:08:18,600 --> 00:08:20,500
and I don't know
what the different end game was,

231
00:08:20,567 --> 00:08:22,332
then if you sell somebody your car,

232
00:08:22,400 --> 00:08:26,233
you keep the records, July 27th, $600.

233
00:08:26,300 --> 00:08:28,767
August 5th, a hundred and fifty dollars.

234
00:08:28,834 --> 00:08:30,800
- Yes, Your Honor.
- [Judge Judy] Sale price is this much.

235
00:08:30,867 --> 00:08:32,133
- [Jeffrey] Yes.
- Payments to be made...

236
00:08:32,200 --> 00:08:33,033
That's...

237
00:08:33,100 --> 00:08:34,667
- [Judge Judy] Do you understand?
- ...exactly what I--what I did.

238
00:08:34,734 --> 00:08:36,866
I--all this paper documents, yes.

239
00:08:36,933 --> 00:08:37,767
[Judge Judy] Perfect.

240
00:08:37,834 --> 00:08:40,799
You had this car
and there was a loan on it?

241
00:08:40,900 --> 00:08:41,734
Yes.

242
00:08:41,799 --> 00:08:43,232
Who was the lender?

243
00:08:43,299 --> 00:08:44,533
Westlake Financial.

244
00:08:44,600 --> 00:08:46,533
And how much was left on the car

245
00:08:46,600 --> 00:08:49,500
at the time that Ms. Zavala
started to drive it.

246
00:08:49,567 --> 00:08:52,133
Approximately $4,200 and change.

247
00:08:52,200 --> 00:08:56,233
Let's be clear,
how much was left on it, $4,200?

248
00:08:56,300 --> 00:08:57,467
Forty-two seventy-nine.

249
00:08:57,533 --> 00:08:58,400
[Judge Judy] Okay.

250
00:08:58,567 --> 00:09:01,633
So first she gave you 600, right?

251
00:09:01,700 --> 00:09:02,533
Correct.

252
00:09:02,600 --> 00:09:04,266
[Judge Judy] And you have records
of each of her payments?

253
00:09:04,333 --> 00:09:05,166
Correct.

254
00:09:05,233 --> 00:09:06,700
So you paid her for your few note.

255
00:09:06,767 --> 00:09:10,967
Uh, no. That--the note has 22% interest.

256
00:09:11,033 --> 00:09:13,100
It's a bank note, I pay interest.

257
00:09:13,166 --> 00:09:14,967
So, she's taking over payments

258
00:09:15,033 --> 00:09:18,500
until the bank note's paid
which is roughly two years.

259
00:09:18,567 --> 00:09:19,667
She knew it was two years,

260
00:09:19,734 --> 00:09:21,834
it says so two years
on the document she signed.

261
00:09:21,900 --> 00:09:23,300
Oh, I'd like to see that.

262
00:09:23,367 --> 00:09:24,300
- And...
- [Judge Judy] Just a second.

263
00:09:24,367 --> 00:09:25,600
I'd like to see the document she signed.

264
00:09:25,667 --> 00:09:26,700
Yes, ma'am.

265
00:09:26,767 --> 00:09:28,100
Okay. There you go.

266
00:09:28,166 --> 00:09:31,000
Ms. Zavala, did you have insurance

267
00:09:31,066 --> 00:09:32,700
- or did he pay the...
- He provided insurance.

268
00:09:32,767 --> 00:09:34,900
- [Judge Judy] He--so in addition...
- It was full coverage.

269
00:09:34,967 --> 00:09:35,800
Just a second.

270
00:09:35,867 --> 00:09:38,967
So, the payments that you made to him

271
00:09:39,033 --> 00:09:40,767
also included car insurance?

272
00:09:40,834 --> 00:09:42,100
- Yes, Your Honor.
- [Judge Judy] Okay.

273
00:09:42,165 --> 00:09:45,333
All right. And this is dated 07/10/2020.

274
00:09:45,400 --> 00:09:49,367
Loan principle approximately 4,127.

275
00:09:49,433 --> 00:09:53,734
You're supposed to make
a down payment of $3,000, as agreed

276
00:09:53,800 --> 00:09:57,200
which you didn't make,
monthly payments of 245.

277
00:09:57,266 --> 00:09:59,533
Lessor forwards payments directly,

278
00:09:59,600 --> 00:10:02,867
that's you, to Auto Lender Westlake

279
00:10:02,934 --> 00:10:04,667
from July 20th,

280
00:10:04,734 --> 00:10:06,233
approximately two years

281
00:10:06,300 --> 00:10:09,734
or until the vehicle is paid off.

282
00:10:09,800 --> 00:10:13,100
Okay. If lessor fails-- fall behind 45
days,

283
00:10:13,166 --> 00:10:15,700
she will surrender the vehicle back

284
00:10:15,767 --> 00:10:17,500
which you did fall behind.

285
00:10:17,567 --> 00:10:19,533
You didn't pay the 245

286
00:10:19,600 --> 00:10:21,800
in monthly payments all the time.

287
00:10:21,867 --> 00:10:24,066
So, he came, took the car back,

288
00:10:24,133 --> 00:10:26,500
he came, he took the car once
when your daughter

289
00:10:26,567 --> 00:10:29,900
was working which is your counterclaim
'cause it upset her.

290
00:10:30,467 --> 00:10:32,233
That's your counterclaim, right?

291
00:10:32,300 --> 00:10:33,633
- Yeah, he humiliated her at work.
- [Judge Judy] Well, that that's--

292
00:10:33,700 --> 00:10:34,600
that's dismissed.

293
00:10:34,667 --> 00:10:38,500
Lessee is fully responsible
for any damages, that's you,

294
00:10:38,967 --> 00:10:41,066
there were little damages,
you had a little car accident?

295
00:10:41,133 --> 00:10:42,000
Yeah.

296
00:10:42,066 --> 00:10:43,600
- Yeah, that would be a yes?
- Yes.

297
00:10:43,667 --> 00:10:44,767
Where was the damage?

298
00:10:44,834 --> 00:10:46,300
It was on the side of the car,

299
00:10:46,367 --> 00:10:47,800
uh, on the passenger side.

300
00:10:47,867 --> 00:10:48,700
Did you have it fixed?

301
00:10:48,767 --> 00:10:49,867
Yeah.

302
00:10:49,934 --> 00:10:51,200
- [Judge Judy] You had it fixed?
- Uh-hmm.

303
00:10:51,266 --> 00:10:52,834
[Judge Judy] Okay. Not insurance?

304
00:10:52,900 --> 00:10:53,967
- No.
- [Judge Judy] You paid to have it fixed?

305
00:10:54,033 --> 00:10:54,867
Yeah.

306
00:10:54,934 --> 00:10:57,233
So, I wanna see what's left on the car.

307
00:10:57,300 --> 00:10:58,967
I have the bank statement--
or the statement.

308
00:10:59,033 --> 00:11:00,433
Well then show it to me.

309
00:11:00,500 --> 00:11:01,467
Yes, Your Honor.

310
00:11:04,367 --> 00:11:05,900
And here was the one for May.

311
00:11:05,967 --> 00:11:06,800
So I have today...

312
00:11:06,867 --> 00:11:08,600
Oh, not--I just want...

313
00:11:08,667 --> 00:11:10,767
- [Jeffrey] No...
- All I want--you have the car, right?

314
00:11:11,033 --> 00:11:11,900
Yes, Your Honor.

315
00:11:11,967 --> 00:11:12,800
[Judge Judy] Great.

316
00:11:12,867 --> 00:11:17,033
All I wanna see is what's due on the car.

317
00:11:17,100 --> 00:11:20,400
Actually, there's nothing much past due.

318
00:11:20,467 --> 00:11:24,500
Your account is past due,
amount due $603.

319
00:11:24,567 --> 00:11:27,967
But amount left to pay is $2,800,

320
00:11:28,033 --> 00:11:29,500
according to this.

321
00:11:29,567 --> 00:11:31,200
It's forecasted with interest.

322
00:11:31,266 --> 00:11:35,333
What is left on the car is $2,800,

323
00:11:35,400 --> 00:11:37,000
that would be with interest?

324
00:11:37,066 --> 00:11:38,200
If it went a whole year, yes.

325
00:11:38,266 --> 00:11:40,066
[Judge Judy] If it went a whole year?

326
00:11:40,133 --> 00:11:41,533
But if it was cast today or...

327
00:11:41,600 --> 00:11:44,767
for example,
it would be only the 22,000 or 2,100.

328
00:11:44,834 --> 00:11:45,767
It would be what?

329
00:11:45,834 --> 00:11:47,600
Whatever the balance says
on the statement.

330
00:11:47,667 --> 00:11:49,900
The balance that's left on the statement?

331
00:11:49,967 --> 00:11:51,233
- Yes. Oh, it's...
- [Judge Judy] You have...

332
00:11:51,300 --> 00:11:53,433
It's a tiny box in the middle left,

333
00:11:53,500 --> 00:11:54,333
far left,

334
00:11:54,400 --> 00:11:56,900
under the payoff progress

335
00:11:56,967 --> 00:11:57,934
it says, it's hard to see.

336
00:11:58,000 --> 00:11:59,100
[Judge Judy] Amount left to pay,

337
00:11:59,165 --> 00:12:03,400
$2,879.03.

338
00:12:03,467 --> 00:12:04,500
Okay.

339
00:12:04,567 --> 00:12:06,266
- That's what it says is left.
- [Jeffrey] Okay.

340
00:12:06,333 --> 00:12:07,567
- [Judge Judy] Right?
- Correct.

341
00:12:07,633 --> 00:12:08,500
[Judge Judy] Okay.

342
00:12:08,567 --> 00:12:10,166
You signed this agreement?

343
00:12:10,233 --> 00:12:11,200
May I look at it closer?

344
00:12:11,266 --> 00:12:12,767
[Judge Judy] Absolutely.

345
00:12:12,834 --> 00:12:13,700
Thank you.

346
00:12:24,066 --> 00:12:25,200
Yeah, I did sign that.

347
00:12:25,266 --> 00:12:26,100
[Judge Judy] Very good.

348
00:12:26,166 --> 00:12:29,433
So what you agreed to do
is pay the car out,

349
00:12:29,500 --> 00:12:33,667
and if you want the car,
in your name, who has the title?

350
00:12:33,734 --> 00:12:35,300
I do.

351
00:12:35,367 --> 00:12:36,333
[Judge Judy] I'd like to see it.

352
00:12:36,400 --> 00:12:38,266
Oh, uh, the bank holds the title.

353
00:12:38,333 --> 00:12:42,467
Yeah, but you have the title with--
as a--the bank with the lienholder?

354
00:12:42,533 --> 00:12:43,400
Correct.

355
00:12:43,467 --> 00:12:44,333
[Judge Judy] Correct.

356
00:12:44,400 --> 00:12:47,767
So that once a payment is made

357
00:12:47,834 --> 00:12:52,533
to the bank,
in the amount of 2,000 to Westlake,

358
00:12:52,600 --> 00:12:55,333
2879.03

359
00:12:55,400 --> 00:12:57,000
as of November,

360
00:12:57,066 --> 00:12:58,800
the car is fully paid off.

361
00:12:58,867 --> 00:13:00,834
So you have the title?

362
00:13:00,900 --> 00:13:03,133
- No, the car is not paid off.
- [Judge Judy] They have it? No.

363
00:13:03,200 --> 00:13:04,166
I still have one year left with Westlake.

364
00:13:04,233 --> 00:13:05,133
[Judge Judy] No, no, no, no.

365
00:13:05,200 --> 00:13:08,200
- If the car is paid off today...
- [Jeffrey] Okay. Sorry. My apologies.

366
00:13:08,266 --> 00:13:09,800
...$2,800,

367
00:13:09,867 --> 00:13:12,066
then the car is paid off,
then her contract...

368
00:13:12,133 --> 00:13:13,000
The balance...

369
00:13:13,066 --> 00:13:14,633
...with you is fulfilled.

370
00:13:14,700 --> 00:13:17,567
Partially, um, Ms. Grey

371
00:13:17,633 --> 00:13:19,500
crashed the car and it was not fixed.

372
00:13:19,567 --> 00:13:20,667
I--just a second.

373
00:13:20,734 --> 00:13:21,734
I don't care.

374
00:13:21,800 --> 00:13:22,667
[Jeffrey] Okay.

375
00:13:22,734 --> 00:13:23,700
What difference does that make?

376
00:13:23,767 --> 00:13:26,600
She pays $2,800 today,
it's gonna be her car.

377
00:13:26,667 --> 00:13:29,233
Oh, the car broke, um, it didn't break.

378
00:13:29,300 --> 00:13:30,433
It needed maintenance,

379
00:13:30,500 --> 00:13:31,767
a hundred-thousand-mile car.

380
00:13:31,834 --> 00:13:34,066
She said, um, roughly around December

381
00:13:34,133 --> 00:13:36,900
that she couldn't afford
to do the maintenance,

382
00:13:36,967 --> 00:13:39,633
I said, "I'll help you out
'cause your daughter was..."

383
00:13:39,700 --> 00:13:42,467
[Judge Judy] Mr. Coley,
let's understand something, sir,

384
00:13:42,533 --> 00:13:44,033
does this face look stupid?

385
00:13:44,100 --> 00:13:47,567
You think they kept me around here
25 years, 26 years 'cause I'm stupid?

386
00:13:47,633 --> 00:13:49,467
The document that you gave me,

387
00:13:49,533 --> 00:13:52,367
that you told me to look
in the left-hand corner says,

388
00:13:52,433 --> 00:13:53,934
"Amount left to pay."

389
00:13:54,000 --> 00:13:55,000
[Jeffrey] That's correct. We've agreed...

390
00:13:55,066 --> 00:13:57,600
$2,879.

391
00:13:57,667 --> 00:13:59,333
- Yes, Your Honor.
- [Judge Judy] So if the company

392
00:13:59,400 --> 00:14:00,400
is paid...

393
00:14:00,467 --> 00:14:01,467
[Jeffrey]
The car is paid but there's two loans...

394
00:14:01,533 --> 00:14:02,433
The car is paid for...

395
00:14:02,500 --> 00:14:03,834
- ...on the car...
- [Judge Judy] ...and then

396
00:14:03,900 --> 00:14:07,500
her contract with you is fulfilled,

397
00:14:07,567 --> 00:14:10,033
she says, according to this,

398
00:14:10,100 --> 00:14:15,000
"Approximately two years
or until the vehicle is paid off."

399
00:14:15,066 --> 00:14:15,900
[Jeffrey] Correct.

400
00:14:15,967 --> 00:14:17,266
At which time,

401
00:14:17,333 --> 00:14:20,767
the vehicle title
will be transferred to the lessee.

402
00:14:20,834 --> 00:14:22,400
- Correct.
- Perfect.

403
00:14:24,600 --> 00:14:28,066
I just asked you what parts
and labor not performed 570...

404
00:14:28,133 --> 00:14:29,433
I'm, I'm trying to explain.

405
00:14:29,500 --> 00:14:31,934
She refused to go, the second day,

406
00:14:32,000 --> 00:14:35,066
so the parts I paid for went to waste.

407
00:14:39,800 --> 00:14:42,867
[theme music playing]

408
00:14:46,467 --> 00:14:50,100
[announcer] Jeffrey Coley
is accusing his former friend,

409
00:14:50,165 --> 00:14:54,433
Melissa Zavala of not completing
the payments on a car loan.

410
00:14:54,500 --> 00:14:58,600
Melissa says she's already paid more
than the car is worth.

411
00:14:58,667 --> 00:15:01,200
She says, according to this,

412
00:15:01,266 --> 00:15:03,467
"Approximately two years

413
00:15:03,533 --> 00:15:06,200
or until the vehicle is paid off."

414
00:15:06,266 --> 00:15:07,100
Correct.

415
00:15:07,166 --> 00:15:09,600
[Judge Judy]
At which time the vehicle title

416
00:15:09,667 --> 00:15:12,166
will be transferred to the lessee.

417
00:15:12,233 --> 00:15:13,967
- Correct.
- [Judge Judy] Perfect.

418
00:15:14,033 --> 00:15:18,734
I'm entering a judgment for $2,879.

419
00:15:18,800 --> 00:15:22,333
The check will be made payable directly

420
00:15:22,400 --> 00:15:24,567
to Westlake Finance...

421
00:15:24,633 --> 00:15:26,600
- But there's more damage, Your Honor.
- [Judge Judy] ...with a direction--

422
00:15:26,667 --> 00:15:30,233
and with a direction
to the Department of Motor Vehicles,

423
00:15:30,300 --> 00:15:31,700
that the Department of Motor Vehicles

424
00:15:31,767 --> 00:15:35,667
is to issue a clean title
in the name of Ms. Zavala.

425
00:15:35,734 --> 00:15:39,300
But Your Honor,
the damage is not fixed, she lied to you.

426
00:15:39,367 --> 00:15:41,266
What difference does that make to you?

427
00:15:41,333 --> 00:15:43,266
Because I...

428
00:15:43,333 --> 00:15:44,967
oh, if this loan's paid off,

429
00:15:45,033 --> 00:15:47,500
I understand they're keeping the car
and--there's different ways.

430
00:15:47,567 --> 00:15:49,834
- But see...
- No, there's my way and...

431
00:15:49,900 --> 00:15:51,867
(chuckles) No, no, I mean
she could get the car back...

432
00:15:51,934 --> 00:15:52,767
- [Judge Judy] She's not...
- ...and I could sell it...

433
00:15:52,834 --> 00:15:53,667
- [Judge Judy] No.
- ...or she can keep it.

434
00:15:53,734 --> 00:15:55,200
- [Judge Judy] She's not--she...
- That's what I meant.

435
00:15:56,100 --> 00:15:57,600
- What I mean is...
- [Jeffrey] That's what...

436
00:15:57,667 --> 00:16:01,967
...there's gonna be a check cut
to Westlake Finance.

437
00:16:02,033 --> 00:16:02,867
I understand.

438
00:16:02,934 --> 00:16:07,867
For $2,879.03

439
00:16:07,934 --> 00:16:09,467
as of November.

440
00:16:09,533 --> 00:16:12,934
With a direction
that the loan is fully paid,

441
00:16:13,000 --> 00:16:15,066
prepaid, done,

442
00:16:15,133 --> 00:16:17,567
and then I'm going to issue an order

443
00:16:17,633 --> 00:16:19,100
to the Department of Motor Vehicles

444
00:16:19,166 --> 00:16:22,200
to issue a new title in Ms. Zavala's name

445
00:16:22,266 --> 00:16:24,734
and her contract with you

446
00:16:24,800 --> 00:16:27,400
has been fulfilled
according to her contract.

447
00:16:27,467 --> 00:16:29,100
- Yes.
- [Judge Judy] You wanna read it?

448
00:16:29,166 --> 00:16:30,700
No, I understand Your Honor,
uh, would I...

449
00:16:30,767 --> 00:16:32,333
may I speak to the court, please?

450
00:16:32,400 --> 00:16:33,233
About what?

451
00:16:33,300 --> 00:16:35,800
Ms. Zavala called me in December and said,

452
00:16:35,867 --> 00:16:38,367
"I would like to have you do some repairs

453
00:16:38,433 --> 00:16:41,000
and pay the car registration,
and get new tires,

454
00:16:41,066 --> 00:16:42,133
and change the oil."

455
00:16:42,200 --> 00:16:44,633
And I said,
"Whoa, whoa, whoa, you own the car,

456
00:16:44,700 --> 00:16:47,400
it's not right for me to have
to pay all your expenses."

457
00:16:47,467 --> 00:16:51,165
So she hasn't paid registration
since December, the police...

458
00:16:51,233 --> 00:16:52,133
Show me that.

459
00:16:52,200 --> 00:16:53,300
- Show me where that is.
- [Jeffrey] The police were...

460
00:16:53,367 --> 00:16:55,333
Show me where that is
in your complaint, sir.

461
00:16:55,400 --> 00:16:56,233
Show me where that...

462
00:16:56,300 --> 00:16:57,133
Oh, they only gave us two lines
to fill in the complaint.

463
00:16:57,200 --> 00:16:58,033
No, no, no.

464
00:16:58,100 --> 00:16:59,700
Show, show, show, show me,

465
00:16:59,767 --> 00:17:01,633
show me where that is,
there's not two lines.

466
00:17:01,700 --> 00:17:02,667
Show me where that is in your complaint...

467
00:17:02,734 --> 00:17:05,000
Okay. The original court papers
was two lines, yes.

468
00:17:05,066 --> 00:17:06,367
- Um...
- [Judge Judy] Nowhere?

469
00:17:06,433 --> 00:17:09,333
The original court papers
may have been two lines

470
00:17:09,400 --> 00:17:10,700
- but this is not two lines.
- I believe it mentions

471
00:17:10,767 --> 00:17:13,400
there's, uh, a loan...
a repair loan in there I believe.

472
00:17:13,467 --> 00:17:14,300
Oh. Just show me...

473
00:17:14,367 --> 00:17:15,200
[Jeffrey] I don't have it in front of me.

474
00:17:15,266 --> 00:17:17,099
Show me please. I may not...

475
00:17:17,165 --> 00:17:18,133
[Jeffrey]
Yeah, there's a repair loan on there...

476
00:17:18,200 --> 00:17:20,032
Just show me--just, just show me.

477
00:17:20,099 --> 00:17:21,599
- [Jeffrey] Okay.
- Just make a--just make a circle.

478
00:17:21,666 --> 00:17:23,099
- I may have read it.
- Well, that's what I was trying to...

479
00:17:23,165 --> 00:17:25,433
[Judge Judy] I may have misread it,
just show me where it is.

480
00:17:25,500 --> 00:17:28,633
[Jeffrey] Oh, my auto loan
and vehicle repair loan, yes.

481
00:17:28,700 --> 00:17:30,934
It's at the very, very bottom.

482
00:17:32,300 --> 00:17:33,166
Oh.

483
00:17:34,333 --> 00:17:37,200
As a result of Melissa's late payments,

484
00:17:37,266 --> 00:17:41,367
I incurred fees late on my credit report,

485
00:17:41,433 --> 00:17:43,100
and one from yesterday,

486
00:17:43,166 --> 00:17:45,033
there's two lates now

487
00:17:45,100 --> 00:17:48,900
from an auto loan
and a vehicle repair loan

488
00:17:48,967 --> 00:17:51,500
that she asked me to repair for her

489
00:17:51,567 --> 00:17:53,066
and it killed my credit score.

490
00:17:53,133 --> 00:17:55,233
Let me give you the copy of the, uh,

491
00:17:55,300 --> 00:17:57,166
just one more document to go with that.

492
00:17:58,600 --> 00:18:01,767
Let's see, um, here's the repairs.

493
00:18:01,834 --> 00:18:02,834
- Sorry.
- [Judge Judy] Mr. Coley,

494
00:18:02,900 --> 00:18:05,333
I want you to show me a paid bill

495
00:18:05,400 --> 00:18:07,500
for repairs on the car.

496
00:18:07,567 --> 00:18:09,100
Show me a paid bill

497
00:18:09,166 --> 00:18:12,400
for the repairs on the car that first,

498
00:18:12,467 --> 00:18:14,567
while it was in Ms. Zavala's possession.

499
00:18:14,633 --> 00:18:16,500
A paid repair bill
and then give me back the copy...

500
00:18:16,567 --> 00:18:19,166
Yes, balance due, 0,
this is paid, Your Honor.

501
00:18:19,233 --> 00:18:21,266
[Judge Judy] Okay. Great.
I'd like to take a look at it.

502
00:18:27,867 --> 00:18:28,700
Okay.

503
00:18:28,767 --> 00:18:31,767
This was in December...

504
00:18:31,834 --> 00:18:32,667
Correct.

505
00:18:32,734 --> 00:18:37,033
[Judge Judy] ...of 20-- total parts
and labor not performed,

506
00:18:37,100 --> 00:18:39,433
$573.

507
00:18:39,500 --> 00:18:40,333
What is that?

508
00:18:40,400 --> 00:18:43,433
What happened is Mrs. Zavala
was not--was difficult to work with.

509
00:18:43,500 --> 00:18:44,600
- So...
- [Judge Judy] Just. Just.

510
00:18:44,667 --> 00:18:46,700
I wanna know what that means.

511
00:18:46,767 --> 00:18:50,233
- [Jeffrey] I, I...
- Total parts and labor not performed...

512
00:18:50,300 --> 00:18:53,700
It means it took two trips
to the auto mechanic,

513
00:18:53,767 --> 00:18:55,100
I made the first trip.

514
00:18:55,166 --> 00:18:57,200
During that trip,

515
00:18:57,266 --> 00:18:59,433
I went to Ms. Zavala's residence,

516
00:18:59,500 --> 00:19:01,200
did her a favor and picked up the car

517
00:19:01,266 --> 00:19:04,133
because she was watching a little child
and couldn't get away.

518
00:19:04,200 --> 00:19:06,166
I dropped my day, what I was doing...

519
00:19:06,233 --> 00:19:07,266
- [Judge Judy] Just a second.
- Took her...

520
00:19:07,333 --> 00:19:11,100
I just asked you what parts and labor
not performed 570...

521
00:19:11,166 --> 00:19:12,967
- I'm, I'm trying to explain. The first...
- Nothing was done to the car.

522
00:19:13,033 --> 00:19:15,400
...day I went, they do half the work.

523
00:19:15,467 --> 00:19:17,567
So Zavala meets, um,

524
00:19:17,633 --> 00:19:19,900
the second day I, you know,

525
00:19:19,967 --> 00:19:21,633
had to come back the second day so I said,

526
00:19:21,700 --> 00:19:23,900
"Ms. Zavala, you owe the second day."

527
00:19:23,967 --> 00:19:26,467
She refused to go the second day

528
00:19:26,533 --> 00:19:29,667
so the parts I paid for went to waste.

529
00:19:29,734 --> 00:19:30,600
So...

530
00:19:31,133 --> 00:19:32,166
Listen, sir.

531
00:19:32,233 --> 00:19:35,800
I don't know what your thing is,
$2,879.03.

532
00:19:35,867 --> 00:19:37,900
That is gonna be paid directly to Westlake

533
00:19:37,967 --> 00:19:40,934
with an order from me
that the car is to be put in her name.

534
00:19:41,000 --> 00:19:41,867
Goodbye, we're done here.

535
00:19:41,934 --> 00:19:42,800
- Thank you, Your Honor.
- [Faith] Thank you.

536
00:19:42,867 --> 00:19:43,734
[Kevin] Court is adjourned.

537
00:19:46,033 --> 00:19:48,100
We love Judge Judy, obviously.

538
00:19:48,166 --> 00:19:49,934
I'm very happy with the Judge's decision.

539
00:19:50,000 --> 00:19:52,166
Yeah. Well the defendant
was slow in paying,

540
00:19:52,233 --> 00:19:53,266
she ruined my credit.

541
00:19:53,333 --> 00:19:54,834
I didn't want it to end up like this.

542
00:19:54,900 --> 00:19:58,333
I, I have nothing against him
but I just felt, uh, after $7,000,

543
00:19:58,400 --> 00:20:01,934
I felt like I was being taken advantage of
at that point and I had to stop.

544
00:20:02,000 --> 00:20:03,834
Well, it was $3,000 in damage.

545
00:20:03,900 --> 00:20:05,300
Actually, I'm not even gonna lie,
it was my fault.

546
00:20:05,367 --> 00:20:07,233
I was going into the lane
and, and I didn't see the car

547
00:20:07,300 --> 00:20:09,533
so we just...
went glided against each other.

548
00:20:09,600 --> 00:20:11,200
It's not even close to fixed.

549
00:20:11,266 --> 00:20:12,767
No, she did get into an accident.

550
00:20:12,834 --> 00:20:14,633
She paid to have it fixed
with her own money.

551
00:20:14,700 --> 00:20:15,533
To have it fixed.

552
00:20:15,600 --> 00:20:17,700
Well, I'm a fair guy, I say,
"Look, you're three months behind,

553
00:20:17,767 --> 00:20:18,967
I'm coming to get the car."

554
00:20:19,033 --> 00:20:19,867
He towed the car.

555
00:20:19,934 --> 00:20:21,033
I didn't even know he towed it,
he just took it.

556
00:20:21,100 --> 00:20:24,533
We all learn a lot when we do things
like this but, you know,

557
00:20:24,600 --> 00:20:26,900
a good deed and then multiple deeds,

558
00:20:26,967 --> 00:20:29,700
um, you know, those don't get counted.

559
00:20:29,767 --> 00:20:30,934
Too much drama.

560
00:20:32,233 --> 00:20:35,200
It seemed to me that there was, uh,
sort of different end game

561
00:20:35,266 --> 00:20:36,667
that plaintiff was after

562
00:20:36,734 --> 00:20:38,633
doing all those kind things,

563
00:20:38,700 --> 00:20:40,333
taking a car that he had already

564
00:20:40,400 --> 00:20:43,233
effectively sold to get repairs done,

565
00:20:43,300 --> 00:20:45,066
- and doing favors, and...
- [Judge Judy] Yeah.

566
00:20:45,133 --> 00:20:47,500
...I'm not sure, there's something off.

567
00:20:47,567 --> 00:20:49,333
[Judge Judy] That's probably true.

568
00:20:49,400 --> 00:20:51,500
'Cause if it doesn't make sense,
it's usually not true

569
00:20:51,567 --> 00:20:56,400
but there's something else
there, that just is so outrageous,

570
00:20:56,467 --> 00:20:58,934
that is when you have
an original loan and you,

571
00:20:59,000 --> 00:21:00,533
you know, you take it out,

572
00:21:00,600 --> 00:21:03,300
and you really don't appreciate the fact

573
00:21:03,367 --> 00:21:05,400
that when you pay back that loan,

574
00:21:05,467 --> 00:21:08,200
even if it's in a relatively
short period of time,

575
00:21:08,266 --> 00:21:10,633
you're paying back twice as much.

576
00:21:10,700 --> 00:21:12,467
- [Sarah] Sometimes even more.
- Just--yeah.

577
00:21:12,533 --> 00:21:15,567
I think that you're probably better off

578
00:21:15,633 --> 00:21:18,800
getting a cheaper car,

579
00:21:18,867 --> 00:21:20,133
as long as it runs,

580
00:21:20,200 --> 00:21:21,767
to get you around

581
00:21:21,834 --> 00:21:25,166
rather than obligating yourself
for a high credit loan.

582
00:21:25,233 --> 00:21:26,600
I would rather own something

583
00:21:26,667 --> 00:21:29,266
and build up my cash

584
00:21:29,333 --> 00:21:31,533
so that I could buy something
and not have to have

585
00:21:31,600 --> 00:21:35,100
a 25% interest loan.

586
00:21:35,166 --> 00:21:37,400
Even though I know that that's
what makes the world go around,

587
00:21:37,467 --> 00:21:39,233
it's what keeps people poor

588
00:21:39,300 --> 00:21:42,800
rather than allowing you
to move upwardly and forward.

589
00:21:42,867 --> 00:21:43,934
Move up, yeah.

590
00:21:45,667 --> 00:21:47,400
[announcer] Are you a victim of a scam?

591
00:21:47,467 --> 00:21:49,500
Go to JudyJustice.tv.

592
00:21:54,000 --> 00:21:57,000
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