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Judge Faith - Rock N Roll Electric Bill; Credit Repair Fraud (Season 1: Episode #143) - YouTube
Channel: unknown
[1]
ANNOUNCER: TODAY ON "JUDGE
[2]
FAITH," SHE HAD BAD CREDIT. HE
[4]
WAS SUPPOSED TO MAKE IT BETTER.
[6]
>> I PUT MY TRUST IN HIM,
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AND I HAVE NOT RECEIVED ANYTHING
[9]
FROM HIM.
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>> YEAH, I--I DON'T UNDERSTAND
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WHY SHE DIDN'T GET ANY
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OF THE INFORMATION--
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>> BECAUSE YOU DIDN'T DO
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ANYTHING.
[14]
ANNOUNCER: BUT INSTEAD OF FIXING
[15]
HER CREDIT SCORE, HE SCORED BIG
[17]
BY KEEPING HER MONEY.
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JUDGE: WHAT'S SHE SAYING, SIR,
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IS YOU KEPT THE MONEY AND YOU
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DID NOT PAY THE BILL.
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>> OK.
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JUDGE: THAT IS FRAUD, AND THAT'S
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WHY SHE WENT TO THE BETTER
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BUSINESS BUREAU. I WOULD HAVE
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DONE THE SAME THING.
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ANNOUNCER: FAITH JENKINS.
[34]
HER DISTINGUISHED LEGAL CAREER
[35]
BEGAN WHEN SHE GRADUATED FIRST
[37]
IN HER LAW SCHOOL CLASS.
[39]
SHE QUICKLY BECAME A TOUGH
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NEW YORK CITY PROSECUTOR AND
[42]
THEN A PREEMINENT LEGAL ANALYST
[44]
ON CABLE NEWS, AND NOW SHE'S
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THE JUDGE IN HER OWN COURTROOM.
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HER CASES ARE REAL AND HER
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RULINGS ARE FINAL.
[52]
SHE IS JUDGE FAITH.
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PLAINTIFF TANIKA ROSS SAYS SHE
[56]
PAID THE DEFENDANT TO IMPROVE
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HER CREDIT SCORE SO SHE COULD
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PURCHASE A HOUSE, BUT THE
[61]
DEFENDANT TOOK HER MONEY AND
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NEVER PERFORMED THE SERVICES HE
[64]
PROMISED. SHE'S SUING FOR A
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REFUND OF $1,027 FOR SERVICES
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NOT RENDERED. DEFENDANT KEVIN
[70]
FISHER SAYS HE WAS NEGOTIATING
[72]
WITH THE PLAINTIFF'S CREDITORS
[74]
ALL ALONG, BUT WHEN THE
[75]
PLAINTIFF MOVED AND CHANGED HER
[76]
ADDRESS, THE WHOLE PROCESS GOT
[78]
MESSED UP. HE'S COUNTERSUING
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FOR $1,000 FOR DEFAMATION
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OF CHARACTER.
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BARBARA: REMAIN SEATED AND COME
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TO ORDER. COURT IS NOW
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IN SESSION, THE HONORABLE JUDGE
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FAITH JENKINS PRESIDING.
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YOUR HONOR, THIS CASE IS
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ROSS VERSUS FISHER.
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JUDGE: THANK YOU, BARBARA.
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BARBARA: MM-HMM.
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JUDGE: TANIKA ROSS, YOU ARE
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SUING THE DEFENDANT, KEVIN
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FISHER, FOR $1,027 FOR A REFUND
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FOR HIS CREDIT RESTORATION
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SERVICES?
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ROSS: THAT'S CORRECT.
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JUDGE: AND YOU ARE COUNTERSUING,
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SIR, FOR $1,000 FOR DEFAMATION
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OF CHARACTER?
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FISHER: YES, THAT'S CORRECT.
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JUDGE: OK, WE'LL START WITH YOU,
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MS. ROSS. TELL ME WHAT'S
[112]
GOING ON HERE.
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ROSS: WELL, IN NOVEMBER OF 2013,
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I MET MR. FISHER THROUGH
[117]
A MUTUAL FRIEND. I HAD AN ISSUE
[120]
OF MY CREDIT, WHERE I WAS IN THE
[122]
PROCESS OF PURCHASING A--A HOME,
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AND I CONTACTED MR. FISHER,
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EXPLAINING TO HIM THAT I WAS
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TRYING TO GET PRE-APPROVED FOR
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THE PURCHASING OF A HOME.
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MR. FISHER AND I MET, UM,
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PROBABLY A FEW DAYS AFTER THAT--
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JUDGE: HOW WAS HE GOING
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TO HELP YOU IN THAT AREA?
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ROSS: UM, HE WAS GOING TO REMOVE
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SOME DEROGATORY INFORMATION
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THAT WAS ON THE CREDIT.
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JUDGE: WHAT DO YOU DO
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FOR A LIVING, SIR?
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FISHER: I'M A--CREDIT
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CONSULTING.
[144]
JUDGE: CREDIT CONSULTING?
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FISHER: YEAH.
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JUDGE: AND WHAT EXACTLY DOES
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THAT ENTAIL?
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FISHER: UM, THAT, UH, ENTAILS,
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UH, REMOVING THINGS FROM YOUR
[149]
CREDIT AND, UM, HELPING BOOST UP
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YOUR SCORES, UM, ADVISING THEM
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ON WHAT CREDIT CARDS TO GET,
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AND, UM, HOW TO KEEP THEIR
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BALANCES AND THINGS LIKE THAT.
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I'VE BEEN DOING IT FOR ABOUT
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10 YEARS NOW.
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JUDGE: OK, AND SO YOU MET WITH
[160]
HIM AND HAD A CONVERSATION
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BECAUSE YOU WANTED YOUR CREDIT
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SCORES TO BE IMPROVED?
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ROSS: THAT'S CORRECT.
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JUDGE: AND YOU THOUGHT
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HE COULD HELP YOU?
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ROSS: THAT'S CORRECT.
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JUDGE: OK.
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ROSS: AND THE REASON BEING WAS
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BECAUSE THIS--THE MUTUAL FRIEND
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HAD ALSO USED HIS SERVICES. UM,
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SHE HAD REFERRED OTHER FRIENDS
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AND FAMILY MEMBERS TO HIM, SO HE
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HAD A PRETTY GOOD SUCCESS RATE
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IN REGARDS TO REPAIRING CREDIT
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AND REBUILDING CREDIT WITH THAT.
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SO I PROVIDED HIM WITH WHAT HIS
[182]
FEE WAS, WHICH WAS $350.
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HE PROMISED TO ME THAT, WITHIN
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A CERTAIN DURATION OF TIME, THAT
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MY CREDIT SCORES WOULD IMPROVE.
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JUDGE: HOW MUCH, UM, WOULD--
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DID HE PROMISE YOU
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THEY WOULD IMPROVE?
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ROSS: HE STATED THAT IT WOULD
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BE IMPROVED PROBABLY ABOUT
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50 TO 60 POINTS.
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JUDGE: OVER WHAT PERIOD OF TIME?
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ROSS: HE TOLD ME TO GIVE HIM
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UNTIL MARCH.
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JUDGE: WHEN--WHEN DID YOU MEET
[205]
WITH HIM?
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ROSS: THIS WAS IN NOVEMBER OF
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2013. HOWEVER, I BEGAN TO NOT
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RECEIVE ANYTHING FROM ANY TYPE
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OF CREDIT BUREAU.
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JUDGE: OK, SO LET ME SEE
[214]
A COPY--I UNDERSTAND YOU ENTERED
[215]
INTO A WRITTEN CONTRACT...
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ROSS: CORRECT.
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JUDGE: RIGHT? WHO DRAFTED
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THE CONTRACT? YOU, SIR?
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FISHER: UH, YES, I DID. THIS IS
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MY STANDARD CONTRACT.
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JUDGE: OK. MAY I SEE A COPY OF
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IT? AND SO WHAT'S THE PROCESS?
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SO SOMEONE SIGNS UP TO USE
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YOUR SERVICES--AND THIS IS
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A BUSINESS?
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FISHER: ABSOLUTELY, YES.
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JUDGE: OK, AND YOU HAVE OTHER
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PEOPLE WHO WORK FOR YOU?
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FISHER: UM, WELL, YEAH, I HAVE
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ONE ASSISTANT THAT WORKS FOR ME.
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JUDGE: OK, SO HOW DOES THIS
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WORK? THEY HIRE YOU, SHE PAYS
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YOU A RETAINER, $350...
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FISHER: RIGHT.
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JUDGE: AND WHAT'S THE PROCESS?
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WHAT DO YOU DO?
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FISHER: OK, WHAT THE PROCESS IS
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IS WE--PRIOR TO US MEETING, WE
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PULL A CREDIT REPORT, OK, THEN
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WE, UM, UH, WHEN WE MEET, WE
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ACTUALLY, UM, UH, GO OVER WHAT
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WE'RE GONNA DO, HOW WE'RE GONNA
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DO THINGS. SO WE'RE GONNA GO
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OVER--WE'RE GONNA GET THINGS
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REMOVED OFF HER CREDIT. SHE HAS
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TO DO CERTAIN THINGS, TOO.
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SHE HAS OPENED UP POSITIVE
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CREDIT, AND WE SHOW HER HOW TO
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MAINTAIN THE POSITIVE CREDIT,
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OK? OUR JOB IS TO TRY TO REMOVE
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THE NEGATIVE, TRY TO GET IT
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DELETED, TRY TO NEGOTIATE
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SETTLEMENTS, THINGS LIKE THAT,
[265]
TO TRY TO GET THINGS REMOVED
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IN ORDER TO BUMP THE SCORES,
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WHILE AT THE SAME TIME ADVISING
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HER ON WHAT TO DO WITH HER
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POSITIVE CREDIT.
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JUDGE: OK. NOW, DID YOU RUN
[272]
HER CREDIT REPORT BEFORE
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YOU MET WITH HER?
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FISHER: YEAH, ABSOLUTELY.
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JUDGE: MAY I SEE THAT FIRST
[278]
CREDIT REPORT THAT YOU RAN?
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FISHER: OK.
[280]
JUDGE: I WANT TO SEE WHAT HER
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CREDIT SCORES LOOKED LIKE THEN.
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ROSS: AND ACTUALLY, YOUR HONOR,
[283]
I HAVE A COPY AS WELL, WHICH I
[284]
MADE MY NOTES AND DOCUMENTATION
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OF WHAT THE CREDIT SCORES
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WOULD BE IMPROVED BY.
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FISHER: YEAH, AND THEY'RE
[290]
ACTUALLY ON THAT CREDIT REPORT
[291]
RIGHT THERE, SO YOU CAN SEE THEM
[292]
THERE, AND THEN WE CIRCLED WHERE
[294]
WE WERE SUPPOSED TO PULL THE
[295]
CREDIT AGAIN IN 4 MONTHS, WHICH
[296]
WAS ACTUALLY MARCH 5, AND WE
[298]
PULLED IT 4 MONTHS TO THE DAY...
[300]
JUDGE: OK. GOT IT. I UNDERSTAND.
[302]
SO I SEE HERE YOU SUBMITTED THE
[304]
BEFORE CREDIT REPORT WHEN YOU
[306]
FIRST PULLED HER CREDIT, AND
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THEN YOU SUBMITTED ONE
[309]
FOR MARCH...
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FISHER: YEAH, ABSOLUTELY.
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JUDGE: WHICH IS THE AGREEMENT.
[312]
ROSS: BUT THE ISSUE IS,
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YOUR HONOR...
[314]
JUDGE: MM-HMM.
[315]
ROSS: IS THE FACT THAT WHEN YOU
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HAVE CREDIT REPAIR, YOU SHOULD
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BE RECEIVING SOMETHING
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FROM THE CREDIT BUREAU.
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FISHER: YEAH, BUT THE PROBLEM
[321]
IS--
[322]
JUDGE: HOLD ON A SECOND.
[323]
GO AHEAD.
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ROSS: I DID NOT RECEIVE ANYTHING
[325]
FROM ANY OF THE CREDIT
[327]
BUREAUS...
[328]
FISHER: MM-HMM.
[328]
ROSS: THROUGH THIS WHOLE
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DURATION. EVEN UP UNTIL THIS
[331]
DAY, I HAVE NOT RECEIVED
[332]
ANYTHING THAT HE STATED
[334]
THAT HE WOULD DO.
[335]
JUDGE: OK, AND WHY IS THAT?
[336]
FISHER: WELL, I THINK THE
[337]
PROBLEM CAME INTO PLAY IS
[339]
BECAUSE SHE SWITCHED ADDRESSES.
[340]
CREDIT BUREAUS ARE VERY
[341]
PARTICULAR ABOUT THE ADDRESS
[342]
THAT THINGS ARE SENT TO, SO EVEN
[343]
IF SHE DID FORWARDING OF AN
[345]
ADDRESS, THEY SOMETIME--THEY
[346]
DON'T WANT TO SEND THINGS
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TO OTHER ADDRESSES.
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ROSS: BUT I'M ACTUALLY WORKING
[349]
WITH SOMEONE RIGHT NOW, AND I'D
[350]
BEGIN THE PROCESS; WITHIN A
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WEEK, I HAVE RECEIVED SOMETHING
[354]
WHICH INDICATED THAT I NEED THE
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VERIFICATION OF MY ADDRESS,
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WHICH HE'S ABSOLUTELY CORRECT.
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HOWEVER, I HAVE NOT RECEIVED
[360]
ANYTHING FROM HIM.
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ANNOUNCER: COMING UP ON "JUDGE
[363]
FAITH," THE PLAINTIFF'S MONEY
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SEEMS TO VANISH INTO THIN AIR.
[367]
FISHER: WELL--SEE, THE THING
[368]
ABOUT IT IS I DON'T KNOW WHAT
[369]
HAPPENED TO IT. ALL I KNOW IS I
[370]
SENT OUT A--A CHECK, AND I'VE
[372]
BEEN TRYING TO GET A COPY OF THE
[373]
CANCELED CHECK FOR THE $204
[375]
FROM MY--
[376]
JUDGE: SO YOU DON'T HAVE A COPY
[377]
OF THE CANCELED CHECK YOU SAY
[379]
YOU SENT ON YOUR ACCOUNT.
[379]
FISHER: NO, I DON'T HAVE
[380]
A COPY--
[381]
JUDGE: YOU HAVE A BANK
[381]
STATEMENT, SIR, SHOWING THAT
[382]
THAT MONEY WAS REMOVED
[383]
FROM YOUR--
[383]
FISHER: NO, I DON'T.
[384]
NO, I DON'T.
[385]
JUDGE: SO YOU DON'T HAVE ANY
[385]
EVIDENCE THAT MONEY WAS PAID?
[386]
FISHER: NO, I DO NOT, BUT I DID
[387]
PAY IT, THOUGH.
[390]
ANNOUNCER: PLAINTIFF TANIKA ROSS
[392]
SAYS SHE PAID THE DEFENDANT TO
[393]
IMPROVE HER CREDIT SCORE, BUT
[395]
ALL SHE GOT WAS EXCUSES. SHE'S
[397]
SUING FOR A REFUND. DEFENDANT
[399]
KEVIN FISHER SAYS HE DID HIS
[401]
JOB, AND THE PROBLEM CAME ABOUT
[402]
BECAUSE THE PLAINTIFF MOVED AND
[404]
ALL THE PAPERWORK GOT MIXED UP.
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HE'S COUNTERSUING FOR DEFAMATION
[407]
OF CHARACTER.
[409]
ROSS: I SHOULD HAVE RECEIVED
[411]
SOMETHING FROM THESE CREDIT
[412]
BUREAUS WHICH INDICATED THAT HE
[414]
HAD BEGIN SOME FORM OF PROCESS.
[416]
JUDGE: WHEN DID YOU MOVE? SO YOU
[417]
MET WITH HIM IN NOVEMBER OF
[418]
2013. WHEN DID YOU CHANGE--
[420]
ROSS: CORRECT. DECEMBER,
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I MOVED.
[421]
JUDGE: LET ME FINISH
[422]
MY QUESTION.
[423]
ROSS: OK.
[424]
JUDGE: SO YOU MET WITH HIM
[424]
IN NOVEMBER OF 2013.
[425]
WHEN DID YOU MOVE?
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ROSS: I MOVED DECEMBER.
[427]
JUDGE: DECEMBER OF 2013?
[428]
ROSS: OF 2013, CORRECT.
[429]
JUDGE: OK, SO JUST
[429]
A MONTH LATER.
[430]
ROSS: CORRECT.
[431]
JUDGE: AND AFTER YOU MOVED,
[432]
YOU HAD YOUR MAIL FORWARDED
[433]
TO A NEW ADDRESS?
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ROSS: THAT'S CORRECT.
[434]
ABSOLUTELY.
[435]
JUDGE: SO I DON'T UNDERSTAND.
[436]
IF--IF THE CREDIT UNIONS--
[437]
EVEN IF THEY ARE SENDING
[438]
CORRESPONDENCE TO HER
[440]
OLD ADDRESS...
[440]
FISHER: MM-HMM.
[441]
JUDGE: THAT MAIL SHOULD BE
[442]
FORWARDED TO HER NEW ADDRESS.
[443]
FISHER: WELL, BUT BECAUSE OF
[444]
THE--AND THIS IS THE ONLY REASON
[447]
WHY I CAN THINK OF THAT THE
[448]
PROBLEM COULD HAVE OCCURRED
[449]
BECAUSE THIS HAS HAPPENED BEFORE
[450]
IN THE 10 YEARS. WHEN SOMEONE
[451]
HAS SWITCHED ADDRESSES, IT HAS
[453]
ALWAYS CAUSED A PROBLEM WITH THE
[455]
PERSON, UM, GETTING THEIR STUFF
[458]
BACK, YOU KNOW. IT'S BECAUSE OF
[459]
THE TWO CONFLICTING ADDRESSES.
[460]
JUDGE: DID YOU NOT KNOW
[461]
THAT SHE WAS MOVING?
[462]
FISHER: WELL, YEAH, I DO--I DID
[463]
KNOW THAT SHE WAS MOVING BECAUSE
[464]
I WAS HELPING HER, UH, IN TERMS
[466]
OF--AND I TOLD HER THAT THAT
[468]
COULD BE A PROBLEM WHEN WE FIRST
[469]
MET, THAT THEY MAY...
[471]
JUDGE: DID HE TELL YOU THAT?
[472]
FISHER: YOU KNOW, TO DO
[472]
A FORWARDING OF ADDRESS...
[473]
ROSS: CORRECT, AND...
[474]
FISHER: SO IT MAY BE SOMEWHAT
[475]
OF AN ISSUE.
[476]
ROSS: AND WHAT WE DID WAS I
[477]
PRESENTED HIM WITH PROOF OF MY
[479]
NEW ADDRESS, WHICH IS WHAT THE
[481]
CREDIT BUREAUS REQUEST.
[482]
JUDGE: OK.
[483]
ROSS: THAT YOU PROVIDE THEM WITH
[484]
SOME PROOF, OF A UTILITY BILL
[485]
OR SOMETHING OF THAT SORT.
[487]
JUDGE: OK. AND SO WHAT DID YOU
[488]
DO WHEN SHE SUBMITTED THAT PROOF
[489]
TO YOU? DID YOU TURN THAT OVER?
[490]
DID YOU TURN THAT OVER TO THE
[491]
CREDIT UNION?
[492]
FISHER: WELL, WHAT I DID WAS I
[493]
REDID THE PAPERWORK AGAIN.
[494]
I DON'T KNOW WHAT HAPPENED, WHY
[496]
SHE NEVER RECEIVED ANYTHING FROM
[497]
THAT POINT ON.
[498]
JUDGE: OK, BUT I'M--I'M ASKING
[499]
YOU THIS, SIR, BECAUSE
[500]
YOU'RE THE EXPERT.
[501]
FISHER: OK.
[501]
JUDGE: YOU'RE THE PERSON THAT
[502]
SHE HAS HIRED...
[503]
FISHER: RIGHT.
[504]
JUDGE: TO FIX THIS PROBLEM, AND
[504]
YOU ARE NOW AWARE THAT SHE'S NOT
[506]
RECEIVING ANY INFORMATION FROM
[507]
THE CREDIT UNIONS.
[508]
FISHER: RIGHT.
[509]
JUDGE: SO I WANT TO KNOW,
[510]
BESIDES DOING THE CHANGE OF
[512]
ADDRESS OR WHATEVER YOU DID WITH
[513]
THE UNIONS, DID YOU FOLLOW UP
[515]
WITH THEM TO MAKE SURE SHE WAS
[516]
RECEIVING WHAT SHE NEEDS
[517]
TO RECEIVE?
[518]
ROSS: NO.
[519]
FISHER: WELL, ACTUALLY, I TRIED
[520]
TO FOLLOW UP WITH HER,
[521]
BUT BECAUSE OF THE--
[522]
JUDGE: NOT WITH HER,
[522]
WITH THE CREDIT UNION.
[523]
FISHER: WELL, I RE-SENT THE
[524]
INFORMATION IN JAN--IN JANUARY
[525]
AGAIN, SO BUT O-OBVIOUSLY SHE
[527]
NEVER RECEIVED ANYTHING
[528]
BECAUSE I CAN TELL--
[529]
JUDGE: OK, BUT ISN'T THAT
[530]
YOUR JOB? ISN'T THAT YOUR JOB?
[532]
FISHER: I-I-IT IS MY JOB, BUT--
[533]
BUT THE CLIENT HAS TO BE IN
[535]
COMPLIANCE WITH OTHER ISSUES,
[537]
TOO, AS WELL. SO DURING THE TIME
[539]
OF MY CONTRACT, IT SPECIFICALLY
[540]
STATES THAT YOU'RE NOT SUPPOSED
[542]
TO INCUR ANY MORE INQUIRIES.
[543]
JUDGE: I'M NOT TALKING ABOUT
[544]
THAT. I'M NOT TALKING ABOUT--I'M
[545]
STILL TALKING ABOUT WHY SHE
[547]
ISN'T GETTING THE INFORMATION
[548]
FROM THE CREDIT BUREAUS.
[549]
FISHER: OK. YEAH. I DON'T--YEAH,
[549]
I DON'T UNDERSTAND WHY SHE
[551]
DIDN'T GET ANY OF THE
[552]
INFORMATION.
[552]
ROSS: BECAUSE YOU DIDN'T
[553]
DO ANYTHING.
[554]
FISHER: I PROPERLY DID THE
[555]
PAPERWORK AND I SENT THE
[556]
PAPERWORK OFF TO ALL THE
[557]
BUREAUS. I EVEN DID IT TWICE.
[558]
JUDGE: OK, BUT I'M JUST
[559]
EXPLAINING TO YOU IS YOU SAYING,
[560]
"I SENT PAPERWORK" IS NOT GOOD
[562]
ENOUGH WHEN YOU KNOW A CLIENT
[564]
ISN'T RECEIVING WHAT THEY'RE
[566]
SUPPOSED TO RECEIVE FROM THE
[567]
CREDIT BUREAU.
[568]
FISHER: RIGHT.
[568]
JUDGE: IT'S YOUR JOB TO FOLLOW
[569]
UP, TO MAKE SURE SHE'S
[570]
RECEIVING--BECAUSE WHY DO YOU--
[571]
WHY ARE WE HERE TODAY? WHAT--
[572]
WHAT DO YOU SAY HAPPENED?
[573]
ROSS: WHAT I SAY HAPPENED WAS HE
[575]
DIDN'T DO ANYTHING. HE TOOK MY
[577]
$350. I ALSO PROVIDED HIM WITH
[580]
AN ADDITIONAL $205, WHICH HE WAS
[583]
TO SETTLE ONE OF THE DEBTS.
[585]
SO I--
[586]
JUDGE: TELL ME ABOUT THE $205
[587]
DEBT SETTLEMENT.
[588]
ROSS: WELL, 204.
[589]
JUDGE: 204?
[589]
ROSS: I PAID HIM $204 TO SETTLE
[591]
ONE OF THE DEBTS.
[592]
JUDGE: WHICH DEBT?
[593]
ROSS: THIS WAS FOR TARGET.
[594]
JUDGE: OK, TELL ME ABOUT THAT.
[595]
ROSS: TO SETTLE THE TARGET
[597]
ACCOUNT, I DEPOSITED THAT MONEY
[599]
INTO HIS ACCOUNT. I HAVE A
[600]
LETTER HERE WHICH STATES THAT HE
[602]
WAS GOING TO SETTLE. IT WAS
[603]
ONE AMOUNT; HE SETTLED FOR
[605]
A CERTAIN AMOUNT.
[606]
JUDGE: LET ME SEE THE SETTLEMENT
[606]
LETTER FROM TARGET. SO LET ME
[607]
JUST MAKE SURE I UNDERSTAND
[609]
THIS. SO YOU APPROACHED HER
[610]
CREDITORS--
[611]
FISHER: IT--TO NEGOTIATE
[612]
A SETTLEMENT.
[613]
JUDGE: FOR--ONE, FOR EXAMPLE,
[614]
BEING TARGET.
[615]
FISHER: EXACTLY.
[616]
JUDGE: AND SHE OWES A CERTAIN
[616]
AMOUNT OF MONEY TO TARGET.
[617]
FISHER: RIGHT.
[618]
JUDGE: IT WAS OVER $1,100,
[619]
RIGHT?
[620]
FISHER: WELL, IT WAS 1,077.
[621]
JUDGE: OK.
[621]
FISHER: MM-HMM.
[622]
JUDGE: SO THEN YOU
[623]
APPROACH THEM...
[624]
FISHER: MM-HMM.
[624]
JUDGE: AND I'M ASSUMING THIS
[625]
LETTER TO THE CREDITOR IS
[626]
FROM YOU?
[627]
FISHER: IT'S--IT'S FROM ME, YES.
[628]
JUDGE: OK, AND YOU APPROACH THEM
[629]
AND YOU MAKE A SETTLEMENT OFFER
[630]
TO RESOLVE THIS DEBT. IN TOTAL,
[632]
YOU OFFER THEM $204.
[634]
FISHER: ABSOLUTELY.
[635]
JUDGE: AND DID THEY ACCEPT
[636]
THAT OFFER FROM YOU?
[637]
FISHER: THEY DID VERBALLY
[638]
ACCEPT IT...
[639]
JUDGE: OK.
[639]
FISHER: BUT WHEN I--
[640]
JUDGE: SO LET ME--LET ME--AND SO
[641]
THEY VERBALLY ACCEPTED THE
[642]
OFFER, YOU COMMUNICATE THAT
[643]
TO HER...
[644]
FISHER: YEAH, ABSOLUTELY.
[645]
JUDGE: AND SHE THEN DEPOSITS
[646]
$204 INTO YOUR ACCOUNT?
[648]
FISHER: RIGHT.
[648]
JUDGE: WHAT DO YOU THEN DO
[649]
WITH THAT $204?
[650]
FISHER: SEND IT IN TO
[651]
THE COMPANY.
[652]
JUDGE: OK, DO YOU HAVE PROOF
[653]
THAT YOU SENT THAT IN
[653]
TO THE COMPANY?
[654]
ROSS: NO.
[655]
FISHER: YOU KNOW WHAT? I DON'T
[655]
HAVE THE PROOF THAT I SENT IT
[656]
IN, BUT I DID SEND THE PROOF IN
[658]
TO THEM.
[658]
JUDGE: OK, AND SO, AGAIN,
[659]
THOUGH, YOU'RE--YOU'RE THE
[660]
BUSINESSPERSON HERE.
[661]
FISHER: RIGHT.
[662]
JUDGE: BECAUSE SHE'S SAYING SHE
[663]
RECEIVED ANOTHER LETTER FROM
[664]
TARGET. MAY I SEE THAT LETTER?
[665]
ROSS: SURE. DATED OCTOBER 14
[666]
OF 2014, WHICH STATES THAT THE
[669]
DEBT IS STILL OUT--OUTSTANDING.
[673]
JUDGE: AS SHE STATED, FROM
[675]
OCTOBER, AND YOU OFFERED--
[677]
YOU MADE THIS OFFER TO SETTLE
[678]
NOVEMBER OF 2013, SHORTLY AFTER
[680]
SHE HIRED YOU.
[681]
FISHER: RIGHT.
[681]
JUDGE: AND NOW I HAVE A LETTER
[682]
FROM OCTOBER WHICH STATES--FROM
[685]
TARGET--THEY ARE STILL TRYING TO
[686]
COLLECT THIS DEBT THAT YOU SAY
[688]
YOU PAID $204 TO SETTLE.
[691]
FISHER: RIGHT.
[692]
JUDGE: CAN YOU EXPLAIN THAT
[693]
TO ME, SIR?
[694]
FISHER: WELL, THAT WAS AT THE
[695]
TIME THAT I WAS TRYING TO DO
[696]
THESE SETTLEMENTS. I HAD
[696]
SWITCHED OVER ACCOUNTS BECAUSE
[698]
WE PAY IT OUT OF OUR TRUST
[699]
SOMETIMES AND I HAD SWITCHED
[700]
OVER ACCOUNTS. SO THERE ARE SOME
[701]
TIMES WHEN--
[702]
JUDGE: KIND OF LIKE
[703]
WHEN SHE MOVED?
[704]
FISHER: R-RIGHT.
[705]
JUDGE: AND THEN THEY WEREN'T
[706]
ABLE TO REA--THE CREDIT BUREAUS
[706]
WEREN'T ABLE TO REACH HER AND
[707]
NOW YOU'RE SWITCHING OVER
[708]
ACCOUNTS, AND SO THE MONEY MAY
[710]
BE IN BETWEEN ACCOUNTS?
[711]
FISHER: WELL, SEE, THE THING
[712]
ABOUT IT IS I DON'T KNOW WHAT
[713]
HAPPENED TO IT. ALL I KNOW IS I
[714]
SENT OUT A--A CHECK, AND I'VE
[716]
BEEN TRYING TO GET A COPY OF
[717]
THE CANCELED CHECK FOR THE $204
[719]
FROM MY--
[720]
JUDGE: SO YOU DON'T HAVE A COPY
[721]
OF THE CANCELED CHECK YOU SAY
[723]
YOU SENT FROM YOUR ACCOUNT.
[724]
FISHER: NO, I DON'T HAVE
[725]
A COPY--
[726]
JUDGE: DO YOU HAVE A BANK
[726]
STATEMENT, SIR, SHOWING...
[727]
FISHER: NO, I DON'T.
[728]
NO, I DON'T.
[729]
JUDGE: THAT THAT MONEY WAS
[729]
REMOVED FROM YOUR--
[730]
FISHER: NO, I DON'T.
[731]
NO, I DON'T.
[731]
JUDGE: SO YOU DON'T HAVE ANY
[732]
EVIDENCE THAT THAT MONEY
[733]
WAS PAID.
[734]
FISHER: NO, I DO NOT, BUT I DID
[734]
PAY IT, THOUGH.
[735]
ROSS: AND, YOUR HONOR, THIS IS
[736]
WHAT I HAVE BEEN DEALING WITH
[737]
FOR OVER A YEAR--
[737]
JUDGE: YOU'RE TELLING ME YOU
[738]
PAID IT, YOU WANT ME TO TAKE
[739]
YOUR WORD FOR IT, BUT I'M
[740]
TELLING YOU AS A
[740]
BUSINESSPERSON...
[741]
FISHER: RIGHT, EXACTLY.
[742]
JUDGE: YOU KEEP RECORDS.
[743]
I WANT TO SEE THE PROOF.
[743]
FISHER: YEAH. I DON'T HAVE IT.
[744]
JUDGE: BECAUSE HERE'S THE PROOF
[745]
THAT IT WASN'T PAID. THE PROOF
[746]
IS FROM TARGET SAYING THEY'RE
[747]
STILL TRYING TO COLLECT
[747]
THE DEBT...
[748]
FISHER: ABSOLUTELY.
[749]
JUDGE: THAT YOU SAY YOU PAID.
[749]
FISHER: OK.
[750]
JUDGE: OK. IT WASN'T PAID.
[751]
ANNOUNCER: NEXT ON
[752]
"JUDGE FAITH"...
[752]
ROSS: THE BOTTOM LINE IS, I HAVE
[753]
3 PIMPS, 2 KIDS, AND A DOG,
[755]
AND I NEED MY MONEY BACK.
[757]
JUDGE: WHAT DO YOU MEAN BY
[758]
"3 PIMPS"?
[759]
[LAUGHTER AND APPLAUSE]
[759]
I--HA HA!
[761]
WHAT DOES THAT MEAN?
[767]
ANNOUNCER: PLAINTIFF TANIKA ROSS
[768]
PAID THE DEFENDANT TO IMPROVE
[770]
HER CREDIT SO SHE COULD BUY A
[771]
HOME, BUT CLAIMS THE DEFENDANT
[773]
NEVER SHOWED HER ANY DOCUMENTS
[774]
THAT HE DID THE WORK. SHE'S
[776]
SUING FOR A REFUND FOR SERVICES
[777]
NOT RENDERED. DEFENDANT KEVIN
[779]
FISHER SAYS HE SETTLED WITH THE
[781]
PLAINTIFF'S CREDITORS AND EVEN
[782]
SENT THEM THE MONEY, SO HE
[784]
DOESN'T OWE THE PLAINTIFF
[785]
ANYTHING. HE'S COUNTERSUING
[786]
FOR DEFAMATION OF CHARACTER.
[788]
ROSS: SO I PAID HIM ADDITIONAL
[790]
$137 FOR ANOTHER DEBT. I PAID
[794]
THAT TO HIM IN PERSON BECAUSE I
[797]
ACTUALLY HAD REFERRED ANOTHER
[799]
SOMEONE TO HIM TO PROVIDE THE
[802]
SAME ASSISTANCE FOR HIM. SO I
[803]
PAID HIM IN CASH FOR THIS
[804]
PARTICULAR DEBT. THEY'RE STILL
[806]
CONTACTING ME, STATING
[807]
THAT HE WAS NOT PAID.
[808]
JUDGE: WHAT COMPANY WAS THAT?
[809]
ROSS: THIS WAS FOR ADVANCE
[810]
AMERICA.
[811]
JUDGE: WHAT--WHAT HAPPENED WITH
[812]
THE $137 TO ADVANCE AMERICA?
[814]
FISHER: O-OK. NOW, THE--THE $137
[817]
FOR ADVANCE AMERICA, UM, IT--
[821]
THEY WANTED 157.50. THEY CAME
[823]
BACK WITH A DIFFERENT AMOUNT,
[824]
AND THEY WOULD NOT CONFIRM THAT
[827]
THEY WOULD--THEY WOULD GO AHEAD
[830]
AND SETTLE IT AND REMOVE IT
[831]
WITH ADVANCE AMERICA BECAUSE--
[832]
JUDGE: SO WHERE'S THE $137
[834]
SHE GAVE YOU?
[835]
FISHER: SHE'S--UH, BASICALLY,
[836]
SHE--I AGREE THAT THAT $137 IS
[839]
STILL OUTSTANDING.
[839]
SHE STILL OWES THAT.
[840]
ROSS: YOUR HONOR, WE WERE
[841]
TALKING ON A REGULAR BASIS. HE
[842]
COULD HAVE CONTACTED ME AND
[843]
STATED TO ME THAT, "YOU KNOW
[844]
WHAT? THIS IS THE AMOUNT THAT
[846]
THEY'RE AGREEING TO." I COULD
[848]
HAVE SENT HIM $20.
[850]
FISHER: WELL, THAT'S WHAT THEY
[850]
AGREED TO, WAS THE 137.
[852]
ROSS: I COULD HAVE SENT YOU $20.
[853]
JUDGE: OK, SO--[AHEM]--PERHAPS
[856]
YOU DON'T REMEMBER WHAT YOU
[857]
WROTE IN TO THE COURT ABOUT THE
[858]
$137, SO--ARE YOU--ARE YOU OK?
[861]
FISHER: YES, I'M OK.
[861]
JUDGE: OK. SO I'M JUST GOING TO
[863]
REMIND YOU BECAUSE YOU WROTE TO
[864]
ME, "THE PLAINTIFF ALSO GAVE ME
[866]
MONEY TO PAY OFF ADVANCE AMERICA
[868]
PAYROLL, WHICH WAS $137."
[871]
FISHER: MM-HMM.
[871]
JUDGE: "THEY CAME BACK TO ME
[872]
WITH A DIFFERENT AMOUNT. IT WAS
[873]
NEVER CLEARED UP, BUT I DID
[875]
SEND THEM $137."
[877]
FISHER: OK, YEAH. THAT--OK, BUT
[879]
WHEN I CHECKED MY RECORDS, I
[881]
HADN'T SENT THEM $137 ONCE I WAS
[883]
GOING THROUGH THE--THE--
[884]
JUDGE: SO YOU HAVE RECORDS?
[885]
FISHER: YEAH. I--I--
[886]
JUDGE: GREAT. LET ME SEE THEM.
[887]
FISHER: NO, WHEN I CHECKED
[888]
MY EMAILS, ETC., I DIDN'T
[890]
HAVE IT, OK?
[891]
ROSS: THIS IS WHAT I'VE BEEN
[892]
DEALING WITH, YOUR HONOR,
[893]
FOR OVER A YEAR.
[894]
[LAUGHTER]
[895]
EVERY TIME, IT'S ALWAYS AN
[898]
EXCUSE OF WHY THIS WAS NOT DONE.
[900]
THE BOTTOM LINE IS, I HAVE
[902]
3 PIMPS, 2 KIDS, AND A DOG,
[904]
AND I NEED MY MONEY BACK.
[906]
JUDGE: WHAT DO YOU MEAN BY
[907]
"3 PIMPS"?
[908]
[LAUGHTER AND APPLAUSE]
[909]
I--HA HA!
[911]
WHAT DOES THAT MEAN?
[912]
ROSS: I'M A SINGLE MOTHER.
[914]
NO ASSISTANCE FINANCIALLY,
[916]
EMOTIONALLY FROM THE FATHERS.
[919]
THIS IS MY ONLY SOURCE OF
[920]
INCOME. I CAN'T GIVE ANOTHER
[922]
PIMP MY MONEY, MEANING--
[925]
FISHER: NO, I'M NOT A PIMP, YOUR
[926]
HONOR. I'M NOT A PIMP. I'VE BEEN
[928]
IN BUSINESS 10 YEARS--
[929]
ROSS: ANALOGY--ANALOGY MEANING
[931]
I CAN'T GIVE AWAY MONEY TO
[934]
SOMEBODY AND NOT RECEIVE
[935]
ANY FORM OF SERVICE--
[936]
JUDGE: SIR, WHAT IS YOUR, UH,
[938]
WHAT IS YOUR--WHAT IS YOUR
[939]
COUNTERCLAIM ABOUT FOR
[940]
DEFAMATION OF CHARACTER FOR
[941]
$1,000?
[942]
FISHER: WELL, UM, BECAUSE, UM,
[943]
SHE WENT TO THE BETTER BUSINESS
[944]
BUREAU ON MY--
[945]
ROSS: YOU'RE ABSOLUTELY CORRECT!
[946]
FISHER: AND SAID THAT, UM, AND I
[948]
DID SO MUCH WORK FOR HER
[949]
IN TERMS OF COMMUNICATING
[950]
WITH HER, UM--
[951]
JUDGE: SIR, YOU DIDN'T EVEN
[952]
REALIZE THAT YOU DIDN'T PAY $137
[956]
THAT YOU WROTE IN TO THE COURT.
[957]
FISHER: I UNDERSTAND.
[958]
JUDGE: YOU TOLD HER YOU PAID IT.
[959]
FISHER: MM-HMM.
[960]
JUDGE: YOU TOLD THE COURT YOU
[960]
PAID IT. THE FIRST TIME YOU
[961]
REALIZED, ACCORDING TO YOU, THAT
[963]
YOU DIDN'T PAY IT IS RIGHT NOW,
[964]
IN YOUR TESTIMONY.
[965]
FISHER: RIGHT, E-E-EXACTLY.
[966]
BUT O-OVER THE YEAR, I HAVE DONE
[969]
SEVERAL THINGS FOR HER
[971]
IN TERMS OF, UH--
[972]
ROSS: THAT'S THE LEAST YOU COULD
[972]
HAVE DONE, THOUGH.
[973]
FISHER: IN--IN--IN TERMS OF
[974]
COMMUNICATING WITH HER LANDLORD,
[976]
COMMUNICATING TO HAVE REPAIR
[977]
SERVICES DONE IN HER HOME OVER
[979]
THE COURSE OF THE YEAR,
[980]
BASICALLY SPEAKING BACK AND
[981]
FORTH, AND SO SHE CAN GET HER
[982]
AIR CONDITIONING UNIT REPAIRED,
[984]
UH, SO SHE CAN GET HER
[985]
DISHWASHER. THEY'RE STILL, UM,
[986]
THINKING I'M STILL, UM, WORKING
[988]
FOR HER TO THIS DAY AND STILL
[989]
CALLING ME ABOUT HER REPAIRS
[991]
TO THIS DAY.
[992]
ROSS: BUT THAT SHOULD BE PRO
[993]
BONO WORK. THAT'S THE LEAST THAT
[994]
YOU CAN DO BECAUSE YOU HAVEN'T
[995]
DONE ANYTHING ELSE, AND YOU HAVE
[997]
OVER $800 OF MY MONEY.
[999]
FISHER: YEAH, I--NO.
[1000]
JUDGE: OK. SO, UH, I'VE--I'VE
[1001]
HEARD ENOUGH. I'VE HEARD ENOUGH.
[1006]
ANNOUNCER: AND NOW,
[1007]
JUDGE FAITH RULES.
[1009]
JUDGE: WHEN YOU TELL SOMEONE,
[1011]
AND SOMEONE HIRES YOU TO HELP
[1014]
REPAIR THEIR CREDIT, AND YOU'VE
[1015]
TOLD THEM THAT YOU'VE PAID AND
[1017]
SETTLED TWO SEPARATE ACCOUNTS
[1020]
WITH TWO SEPARATE COMPANIES, AND
[1022]
SHE HAS PROOF THAT THAT HASN'T
[1024]
HAPPENED, WHAT SHE'S SAYING,
[1025]
SIR, IS YOU KEPT THE MONEY
[1028]
AND YOU DID NOT PAY THE BILL.
[1030]
FISHER: OK.
[1031]
JUDGE: THAT IS FRAUD.
[1032]
FISHER: MM-HMM.
[1033]
JUDGE: THAT'S WHAT SHE'S SAYING.
[1034]
FISHER: OK.
[1034]
JUDGE: AND THAT'S WHY SHE WENT
[1035]
TO THE BETTER BUSINESS BUREAU.
[1037]
I WOULD HAVE DONE THE SAME THING
[1038]
BECAUSE THE EVIDENCE IS HERE.
[1040]
YOU SAID YOU SETTLED WITH
[1041]
TARGET? THEY'RE STILL WRITING
[1042]
HER AS OF A MONTH AGO, ASKING...
[1045]
FISHER: RIGHT.
[1045]
JUDGE: FOR A PAYMENT BECAUSE YOU
[1047]
DIDN'T SETTLE WITH TARGET, LIKE
[1048]
YOU DIDN'T SETTLE WITH THE OTHER
[1050]
COMPANY, ADVANCE AMERICA. NOW, I
[1052]
DON'T KNOW WHAT KIND OF BUSINESS
[1053]
YOU'RE CONDUCTING, BUT I DON'T
[1054]
THINK IT'S A COINCIDENCE THAT
[1056]
YOU DON'T HAVE RECORDS. I THINK
[1057]
YOU DON'T HAVE RECORDS BECAUSE
[1058]
YOU DON'T HAVE PROOF THAT YOU
[1060]
DID THE WORK. YOU DON'T HAVE
[1061]
PROOF YOU DID THE WORK BECAUSE
[1062]
YOU DID NOT DO THE WORK. SIR, I
[1064]
NEED--THINK YOU NEED TO LOOK AT
[1065]
YOUR ETHICAL OBLIGATIONS IN YOUR
[1068]
JOB, IN TERMS OF WHAT YOU DO FOR
[1070]
A LIVING AND THE MONEY THAT YOU
[1072]
ARE TAKING FOR INDIVIDUALS AND
[1073]
WHERE THAT MONEY IS SUPPOSED TO
[1074]
GO TO. IT'S NOT SUPPOSED TO GO
[1076]
TO LINE YOUR POCKET.
[1077]
FISHER: RIGHT.
[1078]
JUDGE: AND THE ONLY ASSUMPTION I
[1079]
CAN MAKE FOR YOU KEEPING THIS
[1080]
WOMAN'S MONEY AND NOT MAKING THE
[1082]
PAYMENTS IS THAT THE MONEY IS
[1083]
LINING YOUR POCKETS, AND THAT'S
[1085]
A PROBLEM.
[1090]
I'M ORDERING YOU TO RETURN THE
[1093]
$350 SHE PAID YOU FOR YOUR
[1095]
SERVICES BECAUSE YOU DID NOT DO
[1098]
YOUR JOB. AND I'M ALSO ORDERING
[1100]
YOU TO PAY HER THE ADDITIONAL
[1101]
$137--BY THE WAY, WHY HAVEN'T
[1104]
YOU GIVEN HER THE MONEY BACK
[1105]
FROM ADVANCE AMERICA? YOU SAY
[1106]
YOU DIDN'T PAY IT.
[1107]
FISHER: WELL, I WAS GONNA--
[1108]
I WAS--UH, PRIOR TO THIS COMING
[1109]
UP, YEAH, I WAS GOING TO.
[1110]
JUDGE: YOU WERE GOING TO? OK,
[1111]
WELL, YOU'RE GOING TO DO THAT
[1112]
TODAY--$137. I'M ORDERING YOU TO
[1113]
REFUND HER THAT MONEY, AS WELL
[1115]
AS $204 FOR TARGET IN ADDITION
[1118]
TO HER COURT COSTS. JUDGMENT IN
[1119]
THIS CASE FOR THE PLAINTIFF--
[1120]
$691 PLUS COURT COSTS.
[1122]
GOOD LUCK.
[1123]
ROSS: THANK YOU.
[1124]
[APPLAUSE]
[1133]
ANNOUNCER: IF YOU OR SOMEONE YOU
[1134]
KNOW HAS A DISPUTE, DON'T TAKE
[1136]
THE LAW INTO YOUR OWN HANDS.
[1138]
LET JUDGE FAITH RULE ON IT
[1140]
FOR YOU. TO SUBMIT YOUR CASE,
[1141]
GO TO JUDGEFAITH.COM AND TELL US
[1143]
YOUR STORY. SEE YOU IN COURT.
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