I have co-signed my older brother for a loan of 8 thousand in 2019. He had a job and he was making payments until 2021 July.
The current balance is $5400 as of day. I paid $500 to fairstone when my brother stopped making payments.
I trusted him so I didn't think twice about co- signing him. It turned out he was a impulsive liar he got caught in some fraud lost his job while his wife was pregnant. On top of that he didn't work for 3 months. He stopped paying credit card, rent, cell phone, also refused to help the family.
Now I am stuck with with his shit. I am currently working 7 days a week. I have decent job with a lot of overtime. I am also taking care of my mom, sister and my dad who is refugee in Turkey ( waiting to come to Canada).
I understand my legal obligation but I don't / can't pay his Loan I have already too much to pay.
Today fairstone basically called and asked me bounch of questions then asked me If i am willing to pay. I told them I can't I don't have money. She said she will take legal action.
I am just wondering how it's going to work if fairstone takes legal action ?
Update: Thank you guys for advice and suggestions. I just want to make few things clear. We both live in Quebec. I don't have any removable assets I have only a car which is still on lease.
Also my brother has a disability insurance on this loan. I told him since you lost your job and you found a new one there is no way for fairstone to know that if you dont update your credit bureau file. So just get a paper from doctor for few months and the insurance will pay the loan for you ( he is fat always has back pain). He is too stupid and stubborn he blocked me everywhere almost impossible to meet him in person lives with his wife.
This guy is so stupid the loan was like seven thousand and one thousand was the disability insurance for him. Anyways he didn't read anything.
I'm the eldest (44f); middle brother (40m) is severely autistic and in a group home, and my youngest neuro typical sister (33f) just lost our last surviving parent about six months ago.
I was my parents first choice to be guardian to my severely autistic brother (he's in a group home, so they handle the day to day care, the guardian would be in charge of making medical decisions, being in standby for emergencies, navigating red tape for funding etc, and meetings).
I declined because I have alot of resentment from what I feel is a stolen childhood and having to grow up way too quickly (and a resentful person should not be guardian), plus I'm childfree , I stayed childfree because I didn't want to be responsible for another human being (especially not a special needs one), it was NOT so I could be a safety net to other people's kids.
My sister (who has been coddled her entire life, and we never got along as a result) agreed to take guardianship, I knew she would crack under the pressure as she grossly underestimated the responsibility (I partly blame my parents for that because they tried to make it sound like it'd be an easy job, but I knew better), she also has two kids of her own.
She is starting to crack under the pressure and is demanding I become co-guardian and help her out (I know even if I agreed I'd end up doing all the work), she cites my not having kids while she does so I should have to do it.
I told her she chose to take on this responsibility, I chose to decline it for this very reason, I don't want to be responsible for another human being, PERIOD. She doesn't have it as bad as she was too young to remember his episodes before he went to a group home.
I told her if it's too much she should sign over her rights to the state, she says she won't do that because that's not what our parents wanted.
But IMO it's not my fault she chose to take it on and I shouldn't have to pick up the slack because she underestimated the responsibility involved.
AITA?
I've fly fished quite a bit all over the United States-as well as Ireland, France, and the Aosta valley of Italy. My brother is new to the sport, and we are planning a trip to Colorado for late September/early October. I've fly fished the Yampa below Stagecoach in March when I was out on ski trips, but haven't had a chance to explore much of the state.
So far, I am planning on the area around Deckers, but I was hoping to be able to chase some cutthroats as well. Does anyone have any suggestions on other locations? We will have vehicle, so we can travel to other locations if needed.
I’ve waited awhile to post this to protect my anonymity.
But the first thing he mentioned was, “brothers and sisters who’ve been around for a long time no longer believing in gods channel”
Followed by of course pornography and fornication.
I’ve recently saw a comment of something similar
> Last CO visit:
> Lots of brothers are stepping down, “taking a break”, and slowly drifting away. Beware brother, we need to stay busy in the organization to stay alive spiritually.
PIMO Elders and MS have you come across something similar during your CO visit?
