>> Judge Judy: Miss Mingo,
the defendant is your niece.
She needed a car.
She had no credit.
You decided to do what I always
consider a very silly thing.
You decided to purchase a car,
and she promised you she would
make payments on the loan
that you took out on the car.
And for a while, she was
making payments directly.
She made payments to the bank.
Is that right?
>> Yes.
>> Judge Judy: And then
you fell behind in the payments?
>> Yes.
>> Judge Judy: And you fell
behind in the payments,
and the car was towed.
>> Yes.
>> Judge Judy: And you knew
that the car was towed.
>> She informed me
that the car was towed.
>> Judge Judy: In order to get
the car out, you had to make up
your past payments.
>> Right, correct.
>> Judge Judy: And when was the
car towed -- month and year?
>> November of 2017.
>> Judge Judy: And you paid
them, at that time, how much?
>> It was a total of, like,
$1,400 -- a little over $1,400.
>> Judge Judy: Okay, and how
much were the monthly payments?
>> $289.93 -- about $290
a month.
>> Judge Judy: Do you work?
>> Yes, I do.
>> Judge Judy: Okay, so, now
the car, in November, is towed.
Miss Marshall,
whose responsibility
it was to make the payments,
made the payments,
got the car out.
>> Correct.
>> Judge Judy: And then
you missed the next month.
>> No, what happened was,
I got the car back.
I was late on the payments
because I was on bed rest.
>> Judge Judy: Listen to me:
It matters not to her why
you were late on the payments.
It affects her credit.
>> Correct.
>> Judge Judy: When you're late,
it doesn't affect your credit.
When you don't make the
payments, when the car is towed,
it doesn't affect your credit.
It affects hers.
>> Correct.
>> Judge Judy: Right,
and the bank doesn't care
whether you were on bed rest
or whether you broke a toe
or whether you lost your job.
They don't care.
They care about
getting their money for the car.
That's all they care about.
And what I want to know from you
is, after you took the car
out of impound
and paid the $1,400,
did you miss another payment?
>> No. When I was going to
make the payment is when she
took the car.
>> Judge Judy: On what day
of the month were you going
to make a payment?
>> It wasn't due
until the following month.
It wasn't due in November,
because when I got the car
back in November,
they added the November bill.
So when the next one was due
is when
she had already taken the car.
>> Judge Judy: In December?
>> Right, correct, is when
she already had taken the car.
>> Judge Judy: Okay.
>> And also I wasn't able
to pay it, because she changed
the passwords to everything.
>> Judge Judy: No, no, no.
What I want to know is,
Miss Mingo is going to show me,
I assume -- because her reason
for towing the car
and having the car towed
back to the bank,
because that's what this case
is about --
she had the car picked up,
towed back to the bank.
They sold it at a shortfall,
and she's now in the hole
for about $9,000.
So, after November of 2017,
did you receive a notice
from the bank
that the payment was delinquent?
>> I have a statement in
December
that she had a past-due payment
and a current payment,
and she owed them $982.
>> Judge Judy: May I see that,
please?
>> Can I add, I never got that,
because she had locked me
out of the account,
so I couldn't see if anything
was due or past due.
It should never have been
past due, because
I had paid for the November,
so the month that I was supposed
to be paying was December,
when she had took the car.
>> Judge Judy: Past-due
payments, $296.
Total unpaid other fees, $390.
What was the other fees for?
>> The fee for the $300
is for the towing.
>> I have a payment here
where I paid them $140 at
the Long Island Auto Recovery.
I had paid them $140,
and I have the receipt here.
>> Judge Judy: Can I see it?
What was the total bill?
>> They charged me $140.
It's in her name,
but the receipt came to me
because I had paid it.
Also --
>> Judge Judy: Shh, shh.
Shhhhh.
No, it says total due, 235.
>> Right, and it's crossed off
because of the bank.
>> Judge Judy: Well I don't know
who crossed it off.
>> No, no, it's crossed off
because...
And I paid the $135,
because with that
towing company, they have...
And she was there
when I got the car,
because she had to be there.
And they told her that it's $140
because of the payment plan
that the bank and they have
together, so that's why they
took off money.
>> Judge Judy: Is that right?
>> I'd like to explain
that they give a discount
for Capital One.
>> Judge Judy: Okay, so she's
correct, she paid what she owed
for the towing.
So, what are these other unpaid
fees?
>> She was a month behind,
and she wasn't current.