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>> Four and a half years ago, I was with
this guy and um I took out loans for him
because he didn't have good credit. So,
I took out I know.
>> Yeah.
>> So, I took out I took out a business
credit card um which was one loan and
then I took out a personal loan which he
used to um buy like vehicles for his
business. And then I also took out a
golf cart loan.
>> Okay.
>> So, fast forward and then two year two
he was paying everything at the time
when we were together, but it was always
minimum payments. So, in reality, it
probably didn't really pay that much.
>> Sure.
>> So, then so then two years ago, we split
up and he promised me like he would pay
pay me monthly. Well, he got a new um
girlfriend and then of course, you know,
he stopped paying me. Oh, so when I left
him, it was at like it was between 50 to
$60,000 that I owed
>> and I it down to 20,000.
>> Oh, good for you.
>> Jeez.
>> Thanks. Thanks. I So I I sacrificed by
moving back home like in with my parents
and then I just worked a lot. I'm a
nurse, so I'm kind of lucky there I can
find a good job.
>> Yeah.
>> Um so I was always stuck between like
filing bankruptcy or paying it off. So,
>> obviously bankruptcy is not an option.
But, um, I always just wonder like if I
should try to go back and sue him to get
the money. People always tell me to, but
when I've looked into it, it's kind of
like a gray area because
>> if your if your name's on it,
>> I'm sorry.
>> Cuz if your name's on the loan.
>> Yeah.
>> There's kind a little bit of a dead end
unless there was some kind of contract
that you guys had. Any type of legal
documents? Did he
>> No. No, there was no legal documents.
the only like I have text messages of
course where he'll be like, "Oh, I'm
going to pay you stuff like that, but
nothing legal documents.
>> I mean, you could get a consultation to
see, you know, but I really think that
for you, you're so close to being done.
You've got 20,000 to go and you could
just wash your hands of this entire
situation."
>> The cars that he bought with the loan,
were they were the cars under his name?
Yeah, they were under his name and the
and the golf cart. It was really
>> And he has all of it.
>> Whoever's listening to this, don't make
the mistake. I'm sorry.
>> Does he have Does he have everything? He
has the golf cart. He has cars.
>> He has the cars. Um the the the cars he
bought with like cash. They were like
they were like vans for his trucking
company.
>> Uhhuh.
>> And they ended up wrecked.
>> Fine. Um the this is a disaster. The
golf cart. Well, luckily. And then the
golf cart, the golf cart um is his is in
his name also. So I tried to call the
bank because the loan's in my name, but
and this all happened in Florida. In the
state of Florida, whoever's name is in
the title, it doesn't matter who the
loan is, the person in the title owns
it.
>> That's right. That's right. Um
>> Yeah. I mean, there it seems like
there's nothing to even try to seize. If
you wanted to ask him and say, "Hey, I
buy I I bought these cars. The least you
could do is send me one so I can sell it
and get some of this money. Right. But I
I just
It sounds like that's not even a thing.
>> Right. I mean, he's he's he's awall,
right?
>> Yeah.
>> Yeah.
>> Is he worth anything? Like, if like,
let's just say, perfect world, you find
um an attorney and they're like, "Oh,
yeah. If you have text messages, we can
prove this and take this to court and
you can get your money back." Let's say
they could. Could does he have any
money? I mean,
>> so that's the other thing is like cuz I
was looking into it. I'm like I I mean
I'm sure I'm sure he has money but I
don't know if like he would actually pay
me because when I look at online when
they go to court
like if they don't pay you they don't
pay you. It's not I don't know
>> I think this guy is using women and I
don't think he has
>> and a part of me too Jocelyn would say
even if you even if that did happen and
he did say I'll make you monthly
payments he may be attached to you for
the next eight years. You know what I
mean? I mean, there's a part of the
freedom of like
>> you just want it's a reminder every
month that even if you're getting money
from them, it's still like I'm a nurse
and I can take care of myself and like
>> I don't even want to be attached to this
anymore. And so,
>> um, yeah, we kind of just
>> they coined the phrase stupid tax here
on the show of just things that we do,
all of us do it, right? maybe at
different dollar amounts and everything
in different situations where you look
back and you think that was so stupid
and now I'm paying for it and
>> um and I think yeah I think that's the
situation. I mean, that's what so hard
Joselyn is. Now, if he was a good guy,
he could say, "Hey, let's refinance and
I'll put my name on the loans and get
your name off of it, all of it." But
>> he's just like disappeared into the
wind. I mean, it's unbelievable.
>> Jocelyn, I hope that you I really hope
that you allow this like don't
>> as this lives in your mind, make sure
you write the right story about it.
Like, I don't want you to look at this
and be like, "Oh my gosh, I can't
believe I did this terrible thing. I was
so stupid. So, I hope that you write
this in your brain as this guy tried to
break me, but I paid off every dime of
this because I'm awesome and
>> flip the narrative.
>> Yes, please do. Because so many people
would have just,
>> I don't know, let that debt follow them
for the rest of their life. Never fix
it. Wait on someone else to come fix it
for them. And the fact that you paid off
30,000
>> Yeah.
>> so quickly and that you're like,
"Listen, I'll just do the rest of it." I
think that that's incredible. So, keep
going.
>> Thank you.
>> Please. Thank you.
>> Yeah. Oh, well, and I think like you
said, Jocelyn, for everyone out there,
>> um it's a good it's a good learning,
right? Because you do you get sucked
into a situation and you think and and
they're believable. That's the other
thing. It's like, you know, you're not
stupid, Joselyn. Obviously, you're a
very smart woman
>> and you know, you get caught in a
certain situation with a certain
>> guy who persuades you in a certain way
and you think, well, sure, you know, I
mean, like,
>> it is what it is. So, um but yeah, I'm
I'm proud of you for
>> Yeah. paying it off and and going
forward with it. Just like Jade said,
>> y
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