I don't know the guy personally I've heard about him and I know his brother-in-law. I own my own house too paid for COMPLETELY, not leased, no mortgage, rent, etc. Your car is obviously too old to even be making payments on. I do have car payments and I pay them way ahead of time.

There's some facts, maybe you wanted to know maybe you didn't. But there they are. Enjoy the rest of the day and just realize you were wrong too in this situation between you and him.