Here are 17 things I’ve learned from watching Judge Judy, and if more people knew them, the show might have to go off the air because the number of cases would plummet. And if you are going on Judge Judy, or going before any judge, knowing these things could help you win your case:
- You may not withhold rent because of lack of plumbing, your stove doesn't work, there are bugs, etc. and think you won't have to pay that money ever. If you live in an apartment, you have to pay rent. If you pay rent for an entire month and move early because of severe issues, you can sue for the return of your rent - though you may not be successful. It's the "steak" rule - if you take one or two bites of the steak and don't like it, you can send it back and won't be asked to pay for it. But if you eat the steak and then complain, tough luck.
- Cleaning a house is not the same as paying rent, making a car payment or making a payment on a loan, nor is babysitting for free, cooking, picking up dinner out, fixing a car or doing yard work. Unless you have a written agreement saying that you can do these things and get a break on rent, or not pay rent at all, or in lieu of making a payment, none of this work can be considered as a substitution.
- When you lend money to someone who already owes you money from another loan, and then you try to sue them for all those loans, the court may determine that you had no expectation of repayment. If you keep lending someone money and they don't pay you back, it will be very difficult to successfully sue for that money without a written agreement, signed by the borrower, saying he or she will pay you back.
- If you are going to loan a big amount of cash for anyone, no matter your relationship with them (girlfriend, boyfriend, daughter, son, parent, grandchild) - for a car, for tuition, for bail, for a motorcycle, for an entire new wardrobe, etc. - get it in writing that it’s a loan and that the lender agrees to pay you back. This written agreement should also say they will pay you back by a certain date or per a certain event happening, like the settlement of a court case or an inheritance, or that they will pay at least a certain amount every month. The agreement should NOT be that they will pay it back whenever they might be able to. Otherwise, if you try to sue for this money, the court may say these loans were gifts, or say that someone agreeing to pay you back “whenever they might be able to” could be 50 years from now or never.
- When you make a payment to someone, get a receipt or a copy of your canceled check. Do not rely on a bank statement that has money withdrawn from your account. No documentation of providing a payment? Then as far as the court is concerned, there have been no payments.
- You will not successfully sue an ex-boyfriend, an ex-girlfriend, an ex-roommate, etc., nor your child, nor your parent, for the meals, grocery, clothes, furniture, dishwater, appliances or other items you have paid for, even gas for their car, because these are interpreted by the courts as gifts.
- Never co-sign a car loan. Never co-sign a car loan. Never co-sign a car loan.
- Never loan your credit card to anyone. Never loan your credit card to anyone. Never loan your credit card to anyone.
- Saying online anywhere that a business didn't give you what you paid them for or that you are dissatisfied with their product or service is perfectly legal IF that business really didn't give you what you paid for or you were dissatisfied. Using insulting descriptions of a business, like saying they are "crooks" or “stupid”, *may* be considered libel. Stick with the facts - they did this, they did not do this, they said this, they did not call me, etc. - don't express opinions or engage in name-calling.
- You may be sued if you get a flatmate or housemate removed from your home, even if it's a family member, via a restraining order rather than eviction. If someone lives in your house, even if they stop paying rent, you can’t just pack them up and move them out - you have to go to court for an eviction notice.
- Landlords should take photos of an apartment before any tenants move in. Without that, photos showing damage AFTER someone moves in, even after they move out, are meaningless.
- You are an idiot if you don’t have home owner’s insurance or renter’s insurance.
- Dates are everything. Know the date the loan was discussed, the date the loan was made, the date a person was arrested, the date a car was purchased, the date you moved in, the date he moved out, the date of the dog attack, whatever.
- When you are asked, "Do you work," have a definite answer. If you aren't working, be able to say how you support yourself (where the money comes from to pay for your rent, utilities, food, etc.).
- Your dog and anything it does is your responsibility. If your bites someone or another dog and your dog is not on a leash or isn’t in your yard or in your house at the time, no matter the circumstances, it’s your responsibility to pay for any damages, like medical bills. No matter how much the other dog was jumping or yapping, no matter how hysterical the person was being, unless the dog was on your property and the person or dog came onto your property uninvited, you are going to have to pay for damages.
- If your dog sticks its head through the neighbor’s fence and your neighbor’s dog bites your dog, your neighbor is NOT responsible - your dog went onto someone else’s property.
- Dress for her court the way you would dress for a job interview for a high-paying position in a lawyer's office. Don't dress for a glamor photo session or the beach.
