>> But if I wasn't current,
then they wouldn't
have released the car to me.
And I have on my statement
where I paid the amount for them
to release the car to me,
because in order for them
to give me the car back,
I had to be up-to-date
and up to the month.
>> Judge Judy: I don't know.
It just says, "other fees" here.
She didn't write this in.
Did you see this?
>> No, because she didn't
give me anything.
>> Judge Judy: On what date
did you have the car towed
back to the bank?
>> Oh, when I had it towed
back to the bank
was after January 10th.
>> Judge Judy: Okay,
is that correct, Miss Marshall?
>> I'm not sure, because she
never told me
when she was gonna get it.
>> Judge Judy: Well, did you use
the car in December?
>> Maybe the first week, because
that's when
she had came and got the car.
>> Judge Judy: Sorry.
>> So it was the first week
of December that I had the car.
>> Judge Judy: This
statement date is 12/21.
So, all I want to know is
whether you had good cause to
have this car repossessed in
January, after having received
this notice that she was,
in fact, delinquent.
So, what date did you have
the car towed back
to the finance company?
>> It was approximately
January 12th,
after the police report.
>> Judge Judy: Well, can I see
the police report?
>> I also have...
>> Judge Judy: Don't say
anything to me.
>> Okay, sorry.
>> Judge Judy: Well,
the date of this police report
is January 10, 2018,
and this was a civil dispute.
Persons involved
were the two of you.
That was January 10th,
and that is after she received
the notice of your delinquency.
>> Right.
>> Judge Judy: So I want you to
be -- Listen to me carefully.
The first thing that you did
was get very far behind
so that they repossessed
your car in November.
That's annoying for her credit.
You get the car out,
and she said,
"Okay, got the car out."
You became current.
She had to be there because
the car is in her name.
You took the car.
The next statement she gets
is December 21st,
which indicates that you are now
$982.72 total due.
You told me that your payments
were $289 a month.
Added into that figure were $390
for other fees.
I don't know what that is,
but based upon the number,
you were past due $296,
and the current month was $296.
So, whether or not
this is accurate...
>> Right.
>> Judge Judy: And you're going
to tell me it's not accurate,
but that's up to you to clarify
with the bank, not with her.
This is what she got.
She was burned once.
Shame on you.
Burned twice, shame on her.
She had an absolute right
to have the car repossessed.
She did.
Police had to be called
because you wouldn't relinquish
the keys.
She brought it back to the bank.
They sold it two times,
based upon this.
She doesn't even need
the second time.
The first time
would have been enough.
You created a situation where
her good deed went punished.
You stopped making payments
on the car -- October,
September -- because in
November, you owed them $1,400.
Your payments are only $300
a month, which means
that you were at least 3 months
behind in your payments.
She has an absolute
right, at that point,
to take the car back
and to make it so that her
credit isn't further damaged.
>> Can I...
>> Judge Judy: You can,
but I'm telling you
that that's the rule.
>> Right, but the reason
why she has a second one
is because that's when
she took the car to them.
So, when the car was released
is when I was supposed
to make the payment.
>> Judge Judy: Just a second.
>> And she had taken the car.
When that late payment that
you're talking about is when
she already had taken the car.
But when she took the car,
it was up-to-date,
and it was only a week
after I got it back.
She texted me and she asked me
did I want to keep the car.
And the whole thing came down
to me asking her
if she can change the insurance.
She didn't like the argument
that we had,
and that's when she said, "Okay,
I'm going to take the car."
>> Judge Judy: Did you have
the car insured September,
October, and November?
>> I had the car -- Yes, yes.
>> Judge Judy: Just a sec.
You didn't pay for the car,
but you paid for the insurance.
Is that what you're telling me?
>> Yes, yes.
>> Judge Judy: You have proof of
that?
>> Actually, I do have
the proof, and she had the app.
I can't get all of the proof,
because
she locked me out of the app.
>> Judge Judy: Well, she says
in her complaint
that you didn't pay
for the insurance.
>> No, I circled
where I paid...
It all comes out of my card.
I have both. It's 11/3.
>> Judge Judy: Was the car
insured September, October,
and November?
>> Yes, she did not pay
in December.
She asked me to get an extension
on the payment, so there was
a balance in December.