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this post was submitted on 21 Dec 2023
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Asklemmy
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$20k, for car debt. No.
Woof. That doesn't just happen overnight. That's months of missed payments that resorted in pay it all now or we're taking it. Good on you for saying no, you'd never see that money again
They literally watched that person agree to pay that amount to somebody else and fail to do it despite legal and financial consequences. Only a fool would see that and then entire into the exact same situation, but without any sort of protection like the contract that the previous lender had. You are not speculating, you are merely stating absolute fact.
My dear friend asked me to loan him money for a car. I can't do it.
I co-signed on his car loan, so he used my credit but couldn't shirk the payments or he'd be ruined further too. Worked out well.
If they do make the payments that's fine. IF.
Ultimately, as a cosigner it's your debt as much as theirs.