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    Juanita ruins ex‑classmate credit with co‑signed furniture debt, forces her to contact Juanita’s whole family to make things right: ‘She stopped paying, stopped responding, and now I’m facing collections and legal issues’

    Important reminder here: No is a full sentence, so when someone asks you to be a co‑signer, just say no, that's it, you're welcome. 


    Unless you want to be like the woman in the story below and start DMing absolute strangers about your wrecked credit score after deep Facebook undercover investigating to figure out if the person was there for Juanita's 7th birthday and has her "Aunt" badge somewhere in her bio or if they just happen to share a last name. 

    That's because when people ask you to co-sign, they are basically asking you to let them borrow your adult life for a while. Your credit score, your phone number, your ability to buy a car or rent an apartment later on, it all gets dragged into their little experiment in "I'll pay it later." The unspoken rule is that they are supposed to treat your name like it matters. Some people treat it like a loophole instead.

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    • Woman with blonde hair seated on a leather tufted couch, looking at her phone with earphones connected
      via Curated Lifestyle For Unsplash+

      Image is representative only and does not depict the actual subjects of the story.

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    • AITA for contacting my ex-classmate’s entire family after she ghosted me and ruined my credit?

      Back in 2017, I moved to a large metropolitan city to study, far away from my hometown
      via TttesandPotatoes

    • This story is a perfect case of what happens when someone forgets the word “co” in co‑signer and turns it into “use your name and ghost you into the abyss.” She needed a couch, you needed boundaries and instead of saying no you said okay and added a tiny warning about communication. Six months later her silence is the only thing arriving on time and your credit is suddenly auditioning for a role in a financial horror movie. The emotional toll is real but the legal one hits harder.

    • I came from a very religious family, so living alone, partying, staying out all night, drinking, and even owning a motorcycle were things I had always dreamed of experiencing.
      via TttesandPotatoes
    • I had goals, plans, and honestly, I did accomplish many of the things I wanted during that time.
      via TttesandPotatoes
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    • Fast forward to 2020, right in the middle of the pandemic. An old classmate from high school contacted me out of the blue.
      via TttesandPotatoes
    • For context, we graduated in 2014 and I hadn't spoken to her in years. She told me she had moved in with some friends and that they didn't even have a living room set-no couch, nothing.
      via TttesandPotatoes
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    • Woman seated indoors with a laptop on her lap and a credit card in hand, wearing casual clothing
      via Getty Images For Unsplash+

      Image is representative only and does not depict the actual subjects of the story.

    • They wanted to buy furniture on credit, but they needed a co-signer. Because I knew what it felt like. to start from zero and eat meals sitting on the floor, I agreed to help.
      via TttesandPotatoes
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    • I told her clearly that if at any point she couldn't pay the monthly installment, she just needed to tell me and I would help cover it or figure something out together.
      via TttesandPotatoes
    • Six months later, I got a call from the furniture company saying the account was going to collections and that legal action would begin if the debt wasn't paid.
      via TttesandPotatoes

    • The messy part is not the furniture the debt or even the fact that her life went on while yours was on hold. The messy part is the emotional arithmetic of deciding how far you are willing to go to protect yourself when someone else treats your goodwill like a discard pile. Messaging her family on Facebook involving your lawyer mom leaning on favors crawling out of collections none of it feels very “chill couple energy” but it does feel like survival. When your credit is the only thing standing between you and years of suspicion from lenders you do not have the luxury of being polite.

    • Turns out she hadn't paid a single cent in six months. I tried calling her. She rejected my calls repeatedly until she finally answered and said she didn't want to "bother me" by telling me she couldn't pay.
      via TttesandPotatoes
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    • I told her that now we were in a much worse situation. She promised to sell the furniture to pay the debt.
      via TttesandPotatoes
    • She then told me she didn't have money to pay for premium ads to get more visibility, so I offered to do it for her.
      via TttesandPotatoes
    • I posted the listings, and within a week, I had several interested buyers. I told her- and she didn't respond.
      via TttesandPotatoes
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    • Days passed. Then she completely stopped replying. I contacted her roommates. No response. At that point, I was desperate.
      via TttesandPotatoes

    • Sometimes going that far is just the speed limit when someone else treated your life like a test drive. If contacting an entire extended family to salvage your credit makes you the villain then the script clearly got flipped somewhere along the way. You did not ruin her credit you tried to save your own after she used your name like a spare key nobody asked to borrow.

    • My credit history was on the line. So I went to her Facebook, filtered people with her last name (assuming they were family), and sent a message to over 20 of them.
      via TttesandPotatoes
    • The message basically said: "Juanita asked me to be her co-signer. She stopped paying, stopped responding, and now I'm facing collections and legal issues.
      via TttesandPotatoes
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    • I need someone to help because this is affecting my credit." I also contacted my mom, who is a lawyer.
      via TttesandPotatoes
    • She later found out that one of Juanita's aunts owed my family a favor. Out of sheer embarrassment, the aunt paid the debt.
      via TttesandPotatoes
    • I then personally negotiated with the collections department to settle the balance immediately, got the interests reduced, paid everything off, and removed my name as co-signer.
      via TttesandPotatoes
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    • The aunt transferred me the money and that was the end of it- financially, at least. Later, I found out that Juanita and her friends had a falling out, she got married, and she never apologized to me.
      via TttesandPotatoes
    • The only time I heard from anyone was when one of her friends called me to say I was a "bitch" for contacting Juanita's family and making her look bad.
      via TttesandPotatoes
    • I'm genuinely glad she seems happy now-but I want nothing to do with her. So... AITA for going that far and contacting her entire family to protect myself?
      via TttesandPotatoes

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