Should I Take Someone to Small Claims Court Over This?

[@AH-up8zh]

Take her to court... Teach them a lesson... End of story

[@philosophicalharmonics3470]

Yeah, if you just let it go you're sending two messages: 1) that the kid can do bad things and get away with it, and 2) the parents can lie and cover up their kid's wrongdoing and get away with it. -- this is less about punishment and more about grooming people in your community to be upstanding neighbors.

[@akiram6609]

@@philosophicalharmonics3470 exactly. From the Biblical point of view why enable someone in their sin?

[@evanekstrand2124]

The vehicle was vandalized. Put it on the record and take her to court

[@rogerhoward7424]

U can bet they would take u to court but u could garnish her husband's wages I would

[@edb484]

@@rogerhoward7424 he can also file a lien against her house. I’ve seen it done before by a friend that got his damaged by a neighbor. The neighbor will have to pay before he could ever sell

[@Corkfish1]

His mistake was not getting the police involved at the scene.

[@davidhale4647]

Yes He should have filed a police report!!!!

[@too-da-loo]

It actually costs very little to file in small claims court. Also, finding out she has money is not retribution, it is investigation. Stuff like this is hard.. it is not about forgiveness because the woman is not asking for it.. it is about doing what is right, taking responsibility and ensuring it does not happen again. The money is minor. Knowing that the woman and her child might walk away from this having learned nothing and not done the right thing is hard to accept. Pay the $35 and take her to court.

[@KB5RYE]

Kindness to the cruel is cruelty to the kind. By not seeing the child pay for their crimes, he's ensuring the child learns this is OK and faces hard consequences later like prison.

[@midas617]

The child damaged your property, his parents are accountable. take them to small claims court, simple as that. don't make it more difficult than it is for yourself.

[@GolfDuff]

People have died because of the stuff this kid did. Take them to court just to put it straight.

[@anitaknight3915]

When I was young this happened to my family, we were driving and young boys were throwing rocks at cars. It was a warm day where the window was down and went straight through by the grace of God not hitting any of us in the head. This can severely injure people.

[@jeannegreen8586]

He is doing a dis service to her and her son if you dont allow them to feel the consequences. You can place a judgment against her if she has property. And unfollow her. In fact, quit Facebook all together.

[@KB5RYE]

Kindness to the cruel is cruelty to the kind. By not seeing the child pay for their crimes, he's ensuring the child learns this is OK and faces hard consequences later like prison.

[@jeannegreen8586]

@@KB5RYE the guys on the video were coming from a place of advising the guy its too much trouble to go through. But its worth the trouble to go through just so the kids gets the consequences. Just because its easier doesn't mean its right.

[@DeionSardines]

900 is basically 90% of your emergency fund so it’s kind of a big deal I guess🤷🏿‍♂️

[@zacharybohlman4069]

Your *starter* emergency fund. Your full emergency fund is 3-6 months of expenses.

[@DeionSardines]

Zachary Bohlman right,I just said $1000 because most people are not on baby step three.

[@MR3DDev]

Imagine having to use your emergency fund because of someone's little brat

[@SilentEire]

That is kinda the point of it though, right? Unexpected expenses

[@MR3DDev]

@@SilentEire not when someone else's kid is being stupid

[@justinc2633]

@@SilentEire emergency fund is for unpreventable emergency expenses.

[@HoopCityKID]

Nope , that’s not life happening. That’s an intentional act against his property.

[@zenFreq]

Terrible advice. The kid and the parent need to learn that there are consequences to destroying other people's property.

[@tolar9]

"Destroy". Really? Grow up, Karen.

[@deadpanhay]

@@tolar9 This wasn't even about the property damage for me. People have been killed from kids throwing rocks at fast moving cars. They need to learn consequences for this kind of action. And maybe not destroyed but damaged. It could have caused them to swerve and hit someone else. This is a serious move that kid did that needs to not happen again.

[@tolar9]

@@deadpanhay Watch the video again and notice what was said about when you move from being concerned with justice to being concerned with vengeance. This is the most important aspect of this issue for Christians, which the caller said he was.

[@JoseHernandez-xy8mj]

42 people agree with him so Semas humble down

[@tolar9]

@@JoseHernandez-xy8mj What has the number of people agreeing with the sentiment got to do with the soundness of the sentiment? Nothing was "destroyed" - that kind of language is unreasonably hysterical. You need to learn how to think critically, instead of emoting like a woman.

[@nobuenotaco]

I think this is really bad advice. He should press charges against the child. The child broke the law and what he did was VERY serious and VERY dangerous. It’s only LUCK that there was merely physical damage as a result of the very dangerous thing the child did. Once charges are pressed against the child, part of having them resolved often times includes restitution that the courts WILL enforce. I would also file in small claims court. It’s cheap to file, usually less than $50, and a day in small claims court is not as heart wrenching as they are making it sound. He will be doing this child and their community a big disservice by letting this go. If the child doesn’t receive any consequences for this type of behavior and thinks it’s acceptable, the next rock he throws into traffic may hit a windshield and cause a head on collision...

[@Joss31]

Exactly !! It’s the $900 dollars it’s also the behavior of the child. He could kill someone next time doing that and the mom takes no responsibility. Wow

[@machintelligence]

Right. This wasn't an accident, it was vandalism -- a criminal act. Let the State handle it through the courts. They can order restitution and make it happen.

[@AskTheAdjutant]

Agreed.

[@jeannegreen8586]

This boy is being taught by the mom that when you break the law, there are no consequences. Bad parenting. She should see this as a gift from the Lord. He is allowing her an opportunity to teach her son a cheap lesson. $900 is nothing compared to where this kid is heading. He is probably begging for her to guide him but its easier and cheaper to let it go. Well, one day this kid will end up in a situation where he can't just walk away. He WILL have to talk to a judge then. My guess is she has never allowed him to suffer consequinces. Thats why he thew the rock in the first place. Parents need to parent.

[@13Grneyez]

I agree 💯. That kid needs to be taught a lesson and learn there are consequences to his/her actions.

[@jacobsheffield-financethri3783]

$900 feels like a lot more when you're like this guy and have nothing.

[@jacobsheffield-financethri3783]

@Buck Nasty He said he didn't have an emergency fund.

[@armandol1826]

@Buck Nasty 2:19 shows he doesn't have anything. Save your time and watch the video next time buddy

[@armandol1826]

@Buck Nasty thanks for your time! At the very least, be right next time...

[@tube_trance]

I don't think Dave Ramsey's business will be able to sustain its success once he retires. These people he's added to his on-air team are just not cutting it.

[@dgriffinctc3834]

Bad advice this time. First, Christians forgive your sin against them, they don't absolve you from responsibility for your actions. Second, in nearly every state, small claims allows you to add your court costs and a fixed rate of interest to the damages so that you're never stuck "paying $100 to sue for $150". Third, you sue her AND her husband with his "great job" so you can then garnish his great wages. Finally, there's another pressure to excerpt. "Ma'am, I'm not only worried about my car, I'm concerned that your son isn't learning about being responsible for his actions. So there are two options. A: You pay for the car and you make sure your son is present and understands he is responsible for this money being lost. B: I sue you in small claims court AND I file charges against your son in juvenile court. Which will it be? "

[@zacharymc.7012]

This is the correct answer

[@sunset6010]

Excellent

[@i4wolves]

I think the reason they are saying forget about is 1. In some states the parent is not responsible so you would have to sue the kid. 2. Even if you get a judgement she still might not pay and then you would have to go back to court to garnish their wages. They are just saying the headache, the time, the energy might not be worth it because even if you get a judgement that just means she owes it you still have to find a way to collect.

[@dgriffinctc3834]

@@i4wolves 2. Is wrong. You don't have to go to court to garnish wages. Once you have the judgement, you just fill out a form. If you can figure out where they bank you can attach to their bank account too.

[@i4wolves]

@@dgriffinctc3834 you are correct initially about that. I thought you had to go back to court. It is still costing you time and money to prepare the case and get necessary documents with no guarantee of winning and what if she fills bankruptcy? Then you have a judgement and no means to collect it. Should you sue, yes. Do they need to be held responsible, no question All they were trying to say is it’s not as easy as it looks and it takes time and stress, and money with no guarantee of a win and I think all they were saying is $900 might not be worth all the stress it will take preparing for court.

[@Wealth_Wisdom_Discernment]

Ramsey personalities give horrible advice sometimes.

[@DeionSardines]

Justin Brown 😄😄

[@JoseHernandez-xy8mj]

ya so do people in the comments. Just read the bible better

[@JNugen]

I generally enjoy Dave Ramsey's content, but they really did all but answer his question at all

[@bmaiceman]

This is NOT a Christian thing.. If your put into a spot because of something someone did. Tben that person needs to pay for it.... Tell her... Forget the play station...and her vacation... And eating out. She is you MONEY!!!!!!

[@Alexis-pl5cn]

Its weird hearing them insinuate 900 isn't enough money to worry about and should be covered by an emergency fund, yet just a few minutes ago I watched a re-run where Dave says 800 is plenty of enough money to care about and go after. And almost the entire Step 1 emergency fund. I think Dave still remembers being broke in a more visceral way than the co-hosts do.

[@heyvern]

I've taken a roommate to small claims court before for a less amount. The dude left without paying his share of the rent and bills. It wasn't much of a headache for me as its illiustrated here. Its more about the principal of the matter. You can't do people wrong without fixing the issue in some capacity, and expect to live a great life! Could you leave it to God? Sure. But, like they said, you have every legal right to go to court.

[@98DEB]

You guys don’t give good advice. This guy really asked about insurance like he didn’t know that would increase the rate? Come on dave, who are these guys?

[@MyrrandaAdams]

Why is a kid outside by the road throwing rocks at a car without supervision 😂😂

[@edwardlewis1963]

next time he will be dropping rocks from an overpass onto cars on a highway just to watch a real life car crash.

[@UCarr26]

Take it to court to save that boy's life. He might graduate to bigger rocks and an overpass one day. $900 today could be manslaughter tomorrow. Teach him consequences since his parents are snoozing on the job.

[@coffeeonkeyboard1810]

People are emboldened by No Consequence. The kid obviously has a good arm, he'd have no trouble pressure washing your house (or Whatever) for restitution. a) he devalued your vehicle, and you are paying $ for his actions, either now, or at the point where you sell the vehicle at a reduced price. b) $900 is a BIG DEAL. c)Not emergency fund type situation d) requiring the parents of the minor to make this right is not immoral.

[@Stormy_Dawn]

Make him pay for it. This is not this man's responsibility AT ALL. Also, if this guy is low income he could get a waiver & not pay for small claims court, usually.

[@robellyosief8820]

900 is a lot for rural America. Getting ads off the broadcast is easy and even easier to tell someone who doesn’t have an emergency fund to eat it.

[@Ojisan642]

There’s no expense and heartache and drama with small claims court over $900. Small claims court is designed to not be a huge expense, that’s why small claims courts have low fees and you’re not allowed to use a lawyer. There are no “pain and suffering” fines in small claims court, either. A lot of what you guys said here is simply incorrect.

[@edb484]

It’s all incorrect, this is bad advice overall lol

[@Coach__B]

Nope. I'm putting her on blast on Facebook, right after I file a police report. Then I go to her church and speak to their pastor. I have worked to hard for my family to put up with such nonsense. Sometimes you have to hold people accountable.

[@chuckjeffcoat483]

These 2 guys have just lowered the quality of this channel. They just gave the caller bad advice.

[@HoopCityKID]

I think Dave would have answered this one differently

[@anneshirley95]

I think so too. Check out a few videos before this one. Dave tells a guy to fight the cable company, because they overcharged him $59.

[@KB5RYE]

Kindness to the cruel is cruelty to the kind. By not seeing the child pay for their crimes, he's ensuring the child learns this is OK and faces hard consequences later like prison.

[@cutehumor]

I had people key my car in parking lot. I had scratches from someone grocery cart hitting my car. People don't respect other people's property

[@jl8452]

I had someone steal a prescription bottle of oxycodon. He was there painting. He is a cousin of my landlord. My landlord asked me what I was going to do. I told him I was still thinking about it. My landlord told me to pray about it - meaning Christian - do the right thing. So, I didn’t do anything. Looking back about it, I strongly feel that I should have called the police.

[@alen1179]

it's not about how much the damage cost. It's about the principle.

[@steve03260]

These answers the guys are giving are the problem with the country now, allowing the kid and her to get off without taking responsibility for his actions. That Only way that kid is going to learn is to take her to small claims court. He won't have to pay anything for the court cost due to the court making her pay the court cost which is normally 1.00 if she isn't acting the fool.

[@DeionSardines]

Talk to the women’s husband and let him know you will be taking your wife’s son to court over the matter.

[@BKWalrus]

I’m pretty sure it’s clear this lady doesn’t have a man in that house.

[@DeionSardines]

Brian Willis your probably right, well she mentioned her husband so.

[@drdianneLc]

@@BKWalrus The caller said her husband has this great job, so yes, there is a man in the picture.

[@davidhale4647]

@@BKWalrus He said she was bragging on face book how much her husband makes she is married

[@SupernovaFallout]

I was thinking why hadn't he talked to the dad? She might not even have told him. We know she's dishonest and doesn't want to suffer any consequences so why would she even tell him when he'll get upset.

[@rcsebastian2865]

the boy is not well disciplined and the mom is not teaching the boy the right way....needs to pay.

[@khadijahmuhammadkebe9062]

Small claims court fees is less than $100 dollars in most states. As long as he has documentation proving they admitted fault it doesn't hurt to make an attempt. Its the principle lesson that has to be taught. If he doesn't try it will be hard to let go especially if you already feel like you are getting taken advantage off. The guy sounds like he would have been happy if she said she can only afford $100, this lady said I can't pay anything meaning ZERO dollars and the son learns nothing. He is old enough to be held accountable and it does not sound like the guy saw any remorse from the boy nor the mom. Because I am sure if they had the guy wouldn't have felt the way he did and made the call in the first place.

[@khadijahmuhammadkebe9062]

@@armandol1826 before you open your mouth you should understand what I was referring too.....I was referring to the fees to to file a claim NOT the amount you can sue for so if you paid attention to the context you would have gotten that instead of focusing on trying to be right.....I am COMPLETELY RIGHT and you got it wrong......

[@A2Kaid]

Filing fee is one thing but time away from work is another. He also has no policr report.

[@dexterm1285]

@@A2Kaid Police reports arent admissible in court as evidence. He needs proof so hopefully she sent text messages that she would pay him...that's all he needs really. Photos of damage and estimates. Actually in small claims they are admissible from a search. Still hopefully he still has a voicemail or text message from mom.

[@A2Kaid]

@@dexterm1285 police report can be valuable in court, esp if police corroborate your story. For ex, police interview an eye witness who saw the accident happened and document that in the report.

[@dexterm1285]

@@A2Kaid Yea they are they list witnesses if one...that's best thing about them for a court case.

[@user-tb7rn1il3q]

File a claim with her homeowners or renters insurance. If not send a demand letter for the damages and rental car. She has money, wages can be garnished. If she owns a home put a lien on it. If she doesn’t pay it she will owe a lot more once attorneys get involved. The ethical thing to do is to make her pay otherwise the boy will do worse things to other people with no consequences.

[@tomcat172002]

I had to take a person to small claims court its not that bad. You know your going to win this case. You have to file and you can ask for court costs in settlement. Let her know if you don't pay then the court is going to make her pay with more court costs its her decision to make it right. Your only asking to do what is right here. From her stand point if she says No then you have to take her to court and don't have another option. Or her kid got away with this and no one was held responsible.

[@unclefreddie1589]

The caller said he doesn't want to make an insurance claim because his insurance will go up. That does not make sense to me. Why would his insurance go up? This was not a car accident or a speeding ticket.

[@dexterm1285]

As someone in insurance field you're right...as long as you're not at fault rates shouldn't go up.

[@bettysmith4527]

Take her court! Hopefully he had a police report done! don't unfriend her on Facebook , copy what she is writing. Money has different value to different people, 900 may be like 9000 to some people if they don't have money. The frustrating part is that she is looking for a play station likely for the little brat that threw the rock!!

[@leilayeseniam]

Kid really does need to know that there are consequences just taking in consideration that if he gets away with it now and they keep letting him get away with it, he will continue to do things like this and then she’ll be the mom wondering where it all went wrong when kid finally does go to jail for some thing even worse. Better to learn from “little mistakes” than from deadly ones. Parents always told me own up to what you do and fix it, no matter what.

[@NolimitatioNYC]

This is terrible advice, $900 is a huge emergency fund for most people. Its also not stressful to go to small claims court.

[@frankonolfi1966]

900 is a drop in the bucket. Emergency fund is 6 months income

[@jerrywilliamson2040]

Did you ever file a police report? The specter of law enforcement won't get you any money but it should help reinforce the lesson that needs to be learned by the kid and his family.

[@GardenerEarthGuy]

Pay the neighborhood bully $10 a week to keep beating the rockthrower up until you get your money.

[@webfreakz]

If it was a single mom: take the $900 hit and forget about it. Caller said the mom was not single and was bragging about Playstation 5's. Take her to court.

[@BuzzMediaUS]

Fill out a police report, contact your insurance company, and they will go after the woman directly. It's at least worth a try since it won't take up your time going to small claims court. Why in the world would you pay for it yourself? At the very worst you would just pay your deductible. It won't affect your insurance rate because someone else caused the damage.

[@NehemiahBradyP]

For once I think they're looking at this situation from a rich persons perspective kind of...not everyone just has $900 in their back pocket for kids throwing rocks at their car

[@NehemiahBradyP]

But their advice is always appreciated of course

[@iknow9894]

If you don't have the $900 and the parent agreed at first. Then go to small claims court. No need to be vindictive and press chargers y'all. Wrong is wrong and right is right.

[@David53D]

Call the cops and take her to court.

[@davidhale4647]

I say go to court He will have to pay the deductible and higher insurance rates > there son did they said they would pay. Especially when he knows they have money and he has no emergency money Judge Judy would say you must pay for the damage your son did to there car because he threw a rock at your car

[@Justsayingthat]

$900 is a lot to me. As a single mom, it would hurt to have to pay this if my child did harm, but I would not blame someone for suing me if I refuse.

[@A2Kaid]

Got to have an emergency fund

[@truthseeker6370]

I disagree. A parent should always be accountable/make their children accountable for the behavior of their children. Of course an emergency fund is important. If someone else/their children destroys your property, you have every right to ask payment for repairs from them. If they are not able to pay- your emergency fund comes into play. What's bigger is depending on the age of the child throwing the rock that damaged someone's vehicle- a police report should be made. Young vandals should be held accountable. I'm surprised this wasn't discussed.

[@coconutsfor2963]

Throw the rock at his moms car - now your even 🙌🏽

[@spot_of_tea53]

Take photos, call the cops. Learn from this guy's mistake.

[@robellyosief8820]

People die from that. Legally reprimanding them for this action is good to save a life. Call the police and file the report

[@Kcducttaper1]

Anthony's like "this is why we have an emergency fund" (for a scratched up car). Meanwhile, I'm over here in BS6 and somebody gouged my passenger door down to the bare metal on my $5k car. Looks like a $4 of rattle-can clear coat from the auto parts store oughta do!

[@CaptainTenneal]

“Being a Christian, I want to do the right thing.” Shouldn’t you want to do the right thing, period? Shouldn’t matter what religion, if any, you are. As a good HUMAN you should want to do the right thing.

[@BBC600]

Sadly many people don't express wanting to do the right thing.

[@brianpitsilides5337]

Sue her for everything she has. Do not stop fighting until you get every penny owed to you. NO JUSTICE NO PEACE!!!

[@khadijahmuhammadkebe9062]

My insurance went up because my of a hurrcaine came through and the insurance companies had to do a payout. Most insurance companies will raise your rate just because......

[@marksherberg6458]

I disagree with your advice on this one.

[@greencase]

Once again the simps are wrong. It's easy for them to sit in their high chair and say nah forgive them. In the real world this touchy feely attitude will get you taken advantage of. Take her to court. It's a hassle for you but also a hassle for her and a lesson for her to keep an eye on her brat.

[@KS-cl8br]

Sue her. If she/he doesn't have the $$ the you can garnish her wages or have a lien on her house if ordered by a judge.

[@jvricklefs]

Don't tell her anything. The talking is a waste of time. Just take her to court for your legal fees plus restitution for the damages. There is nothing punitive as you didn't miss work or suffer damages other than to the physical property from the incident. You already went and asked for the money and the moment they say no deal you take it to court to not waste any time.

[@shutupandeatasmr4498]

Lol @ the mom saying she can’t afford but going on facebook bragging about how much her husband makes. Mother AND son both need to be taught a lesson, otherwise they won’t be held accountable. They seem like they are use to getting away with this type of behavior.

[@CDTucker336]

I would have filed a police report right away. Tell them the son thru a rock at your car. Filed a claim with insurance and see what they will do if you have the coverage. Really there isn't a way to prove it and get anything out of her.

[@brianmay660]

The only good advice here was not spending emotional energy on it. Also, life didn't "happen" to the guy, the child committed a crime and now his legal guardian gets to take responsibility for it. The police should've been called immediately and a report filed. Why would you even bother talking to the child's mom before you talk to the police? That's just stupid. It doesn't have to be this big emotional project like they're describing here on the show. She should be the one reaching out to you to settle before it goes to court; not the other way around. If I'm him, then I'm going to be asking for repair plus costs for time and any increase in insurance.

[@Angela-ne9cy]

So, yet again, the people who actually caused the damage (both mother and son) are completely without consequence leaving the victim spending money he doesn't have and losing sleep over the situation. Unfollowing someone from FB does nothing. I'm Team Small Claims Court all the way.

[@Cookieboy70]

Horrible advice. Hold them accountantable for their actions..

[@eileeneclark9011]

10/17/20....You guys are wrong. This man SHOULD have involved the police right then & there... Plus this little boy is responsible so HIS PARENTS MUST PAY! THEN take both parents to small claims court + notify juvenile court & get this deliberate destruction on this kid's record!

[@vdns76b]

Terrible advice in this video. Unfollowing someone from face book does nothing. Take her to court for the amount she owes. Nobody in this video is LISTENING to what the caller is saying. She shouldn't be buying an expensive video game when she owes this guy money. And if she spend the video game money on his car. then she can teach the child a lesson by letting him know that this is the consequences of his actions and her lack of responsibility. $900.00 might not be much for you guys but.........

[@realinsurancegal]

I’m an insurance agent. Take her to small claims court. You can recoup your court costs through the lawsuit.

[@CaseyBurnsInvesting]

My paycheck = Small Claims 😢

[@emmyty]

It's hard...it would be nice if the mom was at least slightly repentant about the situation. But you can show forgiveness and grace and set up healthy boundaries at the same time.

[@gregberkemer3515]

Very poor advice....filing in small claims is only a few dollars and you can’t get pain and suffering compensation...also you can get a judgement against her and decide not to follow up on collection.....forget her...this could be an important life lesson for her son

[@rwuyoung]

He should file a claim.

[@justinbrox7782]

I would take them to court just so the kid learns there are consequences for his actions. Sets a bad example letting him get off scott free

[@rhondapayne2195]

I was in a similar situation some years ago, I took them to court. They needed to pay for the damage to my property.

[@JayThaInformant]

So, their opinion is let the kid continue as he is. 😂😂🤣😂

[@juliebarnes6208]

Sometimes it is NOT all about the amount of money. It is about the principle of teaching the lesson that people will have to pay for their wrong doings against others. Making the kid accountable for his actions now, will likely result in a more responsible adult in the future.

[@tube_trance]

Bad advice from financial, legal, and moral/ethical standpoints.

[@anniealexander9616]

The judge will probably order her to pay but that judgement isn't worth the paper it's written on. That leaves you with $900 to fix your truck, court cost to file in small claims, and probably time off work.

[@pmeehan_3]

$900 is not just $900 to most people. Caller needs to take this lady to court.

[@DeionSardines]

So basically let her get away with it at the end of the day🤨

[@clairem3543]

How about offer the boy “work off” his debt? Snow shoveling? leaf raking? Yard mowing? Or help you collect food for the homeless. As a mom, I would jump at that! Hope it all works out.

[@rwuyoung]

He should call the police and make an accident report.

[@edb484]

He can place a lien against her house in the amount of the $900. She’ll have to pay him once it’s sold

[@MrTmenzo]

Comprehensive would cover it and depending on your driving history and insurance that wouldn't raise your rates since "you" didn't cause the damage someone else did.

[@blackworldtraveler3711]

Wide screen high definition front/rear dash cam. Emergency fund. Prepaid legal. Works for me.

[@MsAutumn80]

Could you elaborate more at sometime about the difference between justice and retribution? And the difference between justice and retribution from the perspectives of morality and the perspectives of what makes sense on paper?

[@TheCobruhAlienat0r]

I'd take her to court, I think it's pretty cheap to file. If she doesn't pay then you'll have to save up the $900 to fix it cause no point in turning it into your insurance when your deductible is $500 or more.

[@misaeltorres908]

I'm not too sure about this advice....1st, I'm a Christian person not a door mat. You will not do what you please to me or mine. 2nd, if this kid is old enough to throw rocks then he's old enough to get the belt. If they don't have the money make him work for this man "small chores" until debt is paid off.

[@peggypowell401]

The boy needs to realize there are consequences to his actions. Call the police, get a report. They should take him to juvenile court and ultimately pay restitution. If you do nothing, the boy learns nothing.

[@qcspt]

This isn't very good advice...

[@1.5Koreans0.5American]

Interesting topic to discuss.

[@KevinP32270]

hold them accountable. it's the only way they will learn to stop.

[@rachelfrank8647]

I haven't read all the comments so this may have been previously mentioned, but why not have the kid take responsibility? He can't pay money perhaps and it doesn't fix the vehicle, but have him do chores at your house until he has "paid back" $900. Wash the car, mow and rake the yard, if there is a garden help there or with livestock. Age appropriate chores of course. Helps to teach consequences and who knows what everyone could learn in the process and how it might better the boy's future.

[@gh_city1890]

Mother should use this event as a "teaching" moment for her son - Son, I would "Love" to buy you the Play Station 5, but now we have to use the money to pay for the Man's car you hit with a rock. Make the child responsible for their bad behavior and have them learn that actions have consequences!

[@raymondares8951]

It seems like they all have a "one size fits all" response so I knew their answer before listening to their response. Not everyone has the means to have an emergency fund either but they seem to tell everyone to go out and make more money as if it was that easy. The caller doesn't want drama but if the mother doesn't take responsibility, its not his fault for subsequently taking them to court.

[@kurtusdoss6220]

Ive followed dave Ramsey for years and have done his baby steps. Now I listen and watch his show and it's all political which destroys everything it touches.