I'm totally having one of those moments where you ask yourself 'why the fuck did I do it?'
My problem is I'm too nice. Like sometimes, stupidly nice. Especially when it comes to my parents. For some reason, other than them giving me life, I feel like owe them something so I'm always eager to help where I can. Rusty's tried his best to stop me from always saying 'yes' to their favors but dude can only babysit me so many hours in a day.
Well now I'm dealing with the repercussions of being such a fucking nice person. Let me tell ya, it's not in the form of money or gifts.
Two years ago I was stupid enough to put my credit on the line for a truck my dad wanted to buy. Dude was ready to get it on his own when the bank said he needed a co-signer. They asked my brother, he's smart so he said 'fuck no', and that's when they came to me...the push-over.
Rusty begged me not to do it. We fought. I still did it. My thoughts were: he's my dad, he's got 2 jobs, the payments aren't that bad and he'll totally pay it on time.
Are you laughing yet? Yeah, I would be too.
As it turns out that second job was lost a few months after the purchase & the first one followed a few months ago. He's now been struggling to make the payments & has asked me what I'd think if he 'voluntarily repossessed' the car?
Yeeaah...not in a fucking million years old man.
Turns out a the word 'repossessed' being on your credit report doesn't do you any favors. Actually we're talking about that single world knocking your score down 80-100 points. Scary shit. So now I'm stuck having to deal with a truck that can't be paid & the possibility of my credit going down the toilet just because I couldn't say no.
My point? Listen to your spouse (they're usually right, even if you don't want to admit it), don't be a fucking push-over like me and definitely don't ever co-sign a goddamned thing for anyone...especially family.