September 8, 2025 • 14 mins
A listener is mad at his sister for not cosigning on a new car for him after he got into a car accident. Judge Keke weighs in on this controversial topic!
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Episode Transcript
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Speaker 1 (00:00):
A fresh show. It's Kiki's court.
Speaker 2 (00:03):
And by the way, Maureen texted, I've had access to
the text now for like a week really since they
locked me out of it, which is probably unperfect. They've
tried several times, and I always find to work around.
Speaker 1 (00:14):
Haven't they asked you?
Speaker 2 (00:15):
They've asked you, actually, Jason, to remove my access, right,
uh huh, Well, because most of it's helpful, so I
need to see it. But every now and again I
read something and I'm like, guys, you are missing the point.
And I feel like if you work anywhere and you
get customer feedback, you can relate to this.
Speaker 1 (00:32):
It's like you're missing the point. It's no one.
Speaker 2 (00:35):
This isn't mean spirited guys, Kiki, Judge, Keiki, take it
away please, And I hope this isn't mean.
Speaker 1 (00:41):
Whatever it is.
Speaker 2 (00:42):
You know, and my own means if your opinion is not,
don't you share your opinion either.
Speaker 3 (00:47):
Now I can't. I can't make promises, you know how,
I get down?
Speaker 1 (00:50):
All right, write a letter to the boss.
Speaker 3 (00:53):
I don't care to say.
Speaker 2 (00:55):
All right, that's so how I feel too. But sometimes
it's just deflating. It's just deflating because I'm like that's.
Speaker 1 (01:01):
What you heard.
Speaker 3 (01:02):
Yes, what you heard, and that's what I say.
Speaker 1 (01:05):
Take it away, all.
Speaker 3 (01:05):
Right, let's get into the courtroom. It says heiki ki
am I wrong for blocking my sister after she embarrassed
me at the car dealership. My name is Tony and
I recently got into a bad car accident that left
me without a car for a few months. After recovering
and working overtime at my job, I finally saved up
(01:26):
enough money for a down payment on a new car.
During my time without a car, my sister was nice
enough to drive me back and forth to work, so
she was relieved when I asked her to take me
to the dealership to finally get a new ride. She
helped me pick a car. She joined me for the
test drive, and she waited with me while we worked
out the numbers. It was going so well into the
(01:48):
finance guy told me that I needed a co signer. Hmm.
I immediately looked at my sister because I'd do it
for her with no question. However, she quickly said and
refused to have any part of the deal. She put
me in a really bad spot and left me at
the dealership with no car. Made me leave the dealership
with no car, and I haven't spoken to her since,
(02:11):
and I have no plans to am I wrong.
Speaker 2 (02:13):
People are my take on this? Hang on tight Texters,
here we come, Kicky, You and I are often aligned
on these things.
Speaker 1 (02:26):
So Judge Kicky would say you we.
Speaker 3 (02:28):
Are the bullies, And unfortunately I don't want to bully you, Tony,
but I wouldn't have signed for you either. Bro, I'm sorry.
I mean she, your sister has done a lot. She's
been driving you around since you've had your accident. She's
set at the dealership with you. We know how long
that can take. And if you need a co signer,
what have you done to your credit that maybe you
(02:51):
know she doesn't want to put herself in risk or
in harm's way of having the same issue. I don't
think you can ever get wrong at someone for refusing
to be your car.
Speaker 1 (03:00):
There are a lot of variables here, right.
Speaker 2 (03:02):
I mean, you know you want to help somebody, especially family,
get on their feet, and maybe maybe it's worth it
to you to help them get transportation, because then that
takes the burden off of you as well. But my
question would be, is there no automnobile out there that
you can buy without a co signer, like, are you in?
Because if that's true to your point, if there's no
(03:22):
automobile on the planet that anyone will sell you without
a co signer, then we got to work on some
other things in our life, right. And I realize people
come acroon on hard times or whatever, but you're asking
me to now attach myself to that situation, and that
is unfair, right, Like, I mean, if your credit is
so bad that and again, maybe this person's trying to
buy a car they can't afford, in which case you
(03:44):
don't need me to co sign because you probably shouldn't
be buying this car. Is there any other option? Because
when it comes to me attaching myself to your tenuous
financial situation, I think that might be too much to ask,
even for family.
Speaker 1 (03:58):
It's not really fair.
Speaker 3 (04:00):
I agree with you one hundred percent on this one.
I mean, and I know how it can feel when
you're at a dealership and you pick out the car
and you take it on the drive and you start
loving everything about it. You got the new car, smell
the seats, feel good. You're excited, and then you go
back and work those numbers and they come back like, oh,
we need a co signer. I know you felt away
when that happened, but you can't just now think that
(04:21):
that's your sister's responsibility to now be your co signer.
Like she's your sister, she doesn't have to do that.
Speaker 2 (04:27):
I would love to know what kind of car it
was too, Like are you trying to go buy a
BMW or something? And because not everybody can, most people
can't afford you know whatever, You know what I mean,
It's like, are you going for a specific thing, because
at this point it sounds like anything would do. Any
reliable mode of transportation is what you need right now,
right But asking people when it comes to money, you know,
(04:49):
that's not an easy ask because some people have worked
very hard to put themselves in a good financial position
and they don't necessarily need you to mess that up
for them.
Speaker 1 (04:59):
And that tends to happen.
Speaker 3 (05:01):
All the time, all of the time.
Speaker 2 (05:03):
You guys are the jury to eight five five five
three five? What do you guys think?
Speaker 3 (05:08):
I'm a sucker?
Speaker 4 (05:09):
So I probably would get pulled into this knowing me,
But I also don't know if I'm the one that'll
be asked to be.
Speaker 3 (05:13):
To be honest, I don't like your house needs a
coach A three, I'm a co signer. I'm like, oh no,
but I do agree.
Speaker 4 (05:21):
I just feel like, you know, when I get my
stuff together, which will be soon, I'm not co siting
nothing for nobody, because I, like you said, work too
hard to either repair my credit or just you know,
get it up there.
Speaker 3 (05:31):
Like my mom is such an angel and she I
know she would do it.
Speaker 4 (05:35):
However, I don't ever want to do it to anybody
else just because I feel and I use my mom's
an example because I know she's like the first person
that would do what I recall, But I just also
would feel bad because if I'm laid on payments and
all that, it affects her. And that's the last thing
I want to do is ruin somebody else's future and
credit and all of that.
Speaker 5 (05:50):
Now.
Speaker 4 (05:50):
I know, like as a mother, if my daughter was
to ask me, and I probably left the co sign
like college loans or something, I'm sure you'll see my
name on there in eighteen years that I'll do, Like
I'll know if she can't pay it, like Mama's got her,
her dad, we got her.
Speaker 3 (06:03):
But that's it, like just my child, that is all.
Speaker 2 (06:06):
No sibling nothing, Yeah, And someone said, well, what if
it's lack of credit history? You know, maybe, But then
someone else commented, well, how quickly considering how quick this
is a text, Considering how quickly Tony was willing to
write her sister off for saying no one time after
all that help, you can kind of guess how much
responsibility and accountability that this person is willing to take.
(06:27):
I would say no as well.
Speaker 3 (06:29):
That's a good point, you can. She's been driving you around,
being your uber all this time that you didn't have
a car, and then the one time she says no,
it's like, oh, well, I don't I don't even want
to talk to you anymore.
Speaker 2 (06:41):
And then someone else suggested on the text, maybe the
ask is for a loan, but that this also doesn't
sound like a person I would want a loan money
to to be honest.
Speaker 3 (06:48):
Right, And you know how I feel about family with loans.
I'd rather just give you.
Speaker 2 (06:51):
Yeah, that's how I feel the same way. If the
only way that I'm in a position to give a
friend or family alone is if I can see it
as as never seeing it is, if I can accept
giving it to you and never getting it back, because
I'm not willing to lose a friendship or a family
member over money. So if you ask me for money,
I need to be in a position to essentially gift
it to you.
Speaker 3 (07:11):
Oh yeah, because people will. People will take a loan
and then act completely normal when it's past the payback deadline,
Like they keep going on and I'm like, oh, I
can think about is the money I gave you.
Speaker 2 (07:20):
And then you get into stuff like you loan somebody
money and they're supposed to pay you back, and then
all of a sudden they pull up in the BMW
and you're like that, wait a minute, you needn't have
any money, and now you got this nice car, but
like you still owe me money at the state cause
and then you start to free, start to go, and
then you look at a nice vacation.
Speaker 1 (07:36):
Right right vacation.
Speaker 3 (07:37):
When I loan you money, I want you to eat
rhymen noodles out the pad until I get my money back.
Speaker 1 (07:42):
I don't want to see you say you owe me.
Why are you spending more money?
Speaker 2 (07:45):
Yes? Yeah, I mean I know it just sounds it
sounds harsh, But maybe maybe this also might be a
blessing for this person too. Maybe this person should not
be buying. Clearly, it can't buy the car, right, so
I probably don't need it. There's probably something about this
that doesn't need to happen that could be even more
problematic in the future.
Speaker 1 (08:06):
Hey, Emily, good.
Speaker 5 (08:07):
Morning, Wait, good morning?
Speaker 6 (08:09):
Hi?
Speaker 1 (08:09):
Take you score? What say you so?
Speaker 5 (08:12):
I mean, first of all, it's like I think he
left out a lot of details, and probably you know,
for the reason of we would all be even more
against him. But too, she doesn't owe him anything. It's
a huge ask, and to block her immediately is also
just an immature response. Why didn't he I don't remember.
They'll hear she who wrote in like, why didn't they
try to have a Yeah, why didn't they at least
(08:33):
like try to have a conversation like, oh, why do
you feel uncomfortable being my co signer? Or like, you know,
because maybe that'll also give him an insight into why
others wouldn't want to co sign or what he could
do to get a co signer. I don't know. It
seems like he has unrealistic guests.
Speaker 2 (08:49):
Well, and Emily, I agree with the texture and with
you that that movement itself says a lot. Also, I've
done all this for you. I won't co sign. I
want to attach myself to a loan and you know,
for a significant amount of money for you, So you
just block me. So the second that I don't do
what you need me to do, then you eliminate me,
even though this comes at risk to me, So you
(09:10):
don't actually care about me at all.
Speaker 3 (09:12):
Right, all right, what I can do for you exactly.
Speaker 2 (09:14):
And the second I don't do it, then I and
then I'm out. We all know people like that, the
second that you're not serving them, then they don't want
you in their life anymore. The only way it works
is if you serve them. And it's like, nuh no,
we don't need people like that.
Speaker 5 (09:27):
She's not thinking about the liability for his sister. Also,
like what if she's trying to you know, like buy
a condo or you know, do a big purchase for herself,
where like my advice when I was looking at condos
was don't co sign anything, you know, don't do like,
don't sign for anyone, so like you know, she could
have her own like things she's trying to get in
her life that I mean obviously, like you guys just said,
(09:47):
like it's about him, not her, and that's unfortunate.
Speaker 2 (09:51):
Yeah, thank you, Emily, have a good day, yeah too.
And look, I know that not everybody's in a position
to have great credit, and times are tough and people
aren't making enough money to ends meet. I'm not talking
about that, but I am talking about it. It can
and does take a lot of sacrifice to put yourself
in a good financial situation. Oftentimes even people that don't
have a whole lot are able to do it, but
(10:12):
they're having to sacrifice.
Speaker 5 (10:13):
Right.
Speaker 2 (10:13):
So then for me to just willing nearly coston on
somebody who may not have those same values, then.
Speaker 1 (10:18):
That puts all that at risk.
Speaker 2 (10:20):
Yes, So I don't think I have to do that
for you, especially if we don't share the same financial
literacy values or financial awareness, the same values in that regard,
because not everybody. I feel like it's some people will say, well,
you know, if you're in a good financial position, it's
because you're rich, or because you had this or that.
Speaker 1 (10:39):
That's not entirely true.
Speaker 2 (10:41):
There are people who don't have a ton of money
who also don't have a ton of debt because they
live within their means. Right, And again, I'm not talking
about extenuating circumstances. I'm not talking about student loans or
medical debt or they're things that you just simply have
to spend on, so I don't necessarily need to go
screw it up.
Speaker 1 (11:00):
To you. And then the second I say no, you
block me.
Speaker 2 (11:03):
Come on, Tony, come on, hey, Gabby, Hi, Hi.
Speaker 1 (11:08):
Gabby, good morning. What do you think?
Speaker 7 (11:11):
Okay? I agree with both of you, guys. I do
think that it is valid that Tony asked her sister
to be her co signer. But Tony's sister, I'm sure
is just like used to like kind of like giving
in and doing things that she needs for her but
she also has to set her own boundaries at some point,
you know.
Speaker 1 (11:30):
Yeah.
Speaker 2 (11:31):
Yeah, And when it comes to money, I don't. I
don't necessarily have to have to do that for you. No,
it's a very serious topic and it could affect me
for the rest of my life. It could affect my
ability to go get a house, in a car or whatever.
Speaker 1 (11:43):
And I think you, at some point you have to
protect yourself.
Speaker 7 (11:47):
Yeah. I feel like it shows more about Tony's character
that she went right ahead and blocked her sister.
Speaker 2 (11:52):
Yeah, I agree. Thank you, Gabby, Thanks for listening. Have
a good day, you too, glad you called. Hey Jessica,
good morning.
Speaker 1 (11:59):
Welcome, good morning.
Speaker 3 (12:01):
How are you doing page?
Speaker 2 (12:02):
Yes, okay, So Keikey's court basically, it's a it's a
brother's sister situation, and the sister wants I'm.
Speaker 3 (12:07):
Trying to get because Tony Tony is the brother.
Speaker 2 (12:09):
So Tony is being asked to don't I don't want
to donate on a car, as his sister is asking hisself, Okay,
I'm trying to get this right, yeah, And the sister
says no, and so Tony's pissed. But it's like, wait
a minute, you know, is that is that an obligation
if you if you're not able to get something financially
and you need someone else to be involved with that,
(12:30):
does it have to be me?
Speaker 6 (12:32):
No, that's not even from talked about him. He's completely wrong.
That's not her obligation. He already from the accident, he's
already financially irresponsible. Because did you have insurance to even
cover some of the money to get you into a
new car?
Speaker 3 (12:48):
Oh, that's a good question.
Speaker 6 (12:50):
Yeah, and then on top of that, you have to
work all these hours work, work, work to have a
down payment. So you don't have anything saved in a bank.
Come on now, so now, yeah yeah, Now you want
me to hatch my name, my resources to you when
you already prove that you cannot, you know, you can't
take care of your business. Yeah, so, and then to
block her when she's already you know, stepped up and
(13:12):
helped him out at a time.
Speaker 2 (13:13):
But me so no, And let's also take any consideration.
Let's just assume that this is a good Obviously, this
is a good sibling, because he's been helping this person out,
you know, in a lot of other ways. And so
this person must feel that she he or she cannot
do this because you know what I mean, Because it's
not like we're talking about a selfish human being which
(13:35):
just doesn't want to Like, there's contracts here that we
don't know. So she obviously is uncomfortable with this notion
for some reason. So what don't we know here? And
it has offered a lot of other solutions, So I
don't like it. I wouldn't do it either. Thank you
so much, have a good day.
Speaker 3 (13:48):
Thank you you too.
Speaker 1 (13:50):
Glad you called Jessica. Hey, Dahlia, Dalia.
Speaker 3 (13:54):
Girl, you all right, I'm sorry, what are.
Speaker 1 (13:58):
We doing with the phone? Yeah, are you okay? Okay?
You work in a car dealership, so you know something
about this.
Speaker 8 (14:09):
Yes, I do a little bit. I work in the office,
so I work a little bit with like people trying
to sell their cars, and a lot of the time
they aren't able to because they're coal shiner. They're the
co signer in the.
Speaker 5 (14:23):
Person who was trying to sell the car.
Speaker 8 (14:26):
They never made the payments or something, or they're late,
so just messes up what they're whatever. They own the car.
Speaker 2 (14:32):
So basically you're saying this, this could potentially become a
big problem for the unassuming co signer who's simply there
just to help you.
Speaker 1 (14:39):
Get the money.
Speaker 2 (14:41):
Oh yeah, definitely, Yeah, can be doing this stuff all right, Delia,
back to juggle on your phone.
Speaker 8 (14:45):
Have a good day.
Speaker 3 (14:47):
Bye, glad you get Oh no, you and you know
your siblings like you know you, We all love exactly
And I know I know which sibling is loan money too,
and I know which one absolutely not, and I love
them both the same
A fresh show. It's Kiki's court.
Speaker 2 (00:03):
And by the way, Maureen texted, I've had access to
the text now for like a week really since they
locked me out of it, which is probably unperfect. They've
tried several times, and I always find to work around.
Speaker 1 (00:14):
Haven't they asked you?
Speaker 2 (00:15):
They've asked you, actually, Jason, to remove my access, right,
uh huh, Well, because most of it's helpful, so I
need to see it. But every now and again I
read something and I'm like, guys, you are missing the point.
And I feel like if you work anywhere and you
get customer feedback, you can relate to this.
Speaker 1 (00:32):
It's like you're missing the point. It's no one.
Speaker 2 (00:35):
This isn't mean spirited guys, Kiki, Judge, Keiki, take it
away please, And I hope this isn't mean.
Speaker 1 (00:41):
Whatever it is.
Speaker 2 (00:42):
You know, and my own means if your opinion is not,
don't you share your opinion either.
Speaker 3 (00:47):
Now I can't. I can't make promises, you know how,
I get down?
Speaker 1 (00:50):
All right, write a letter to the boss.
Speaker 3 (00:53):
I don't care to say.
Speaker 2 (00:55):
All right, that's so how I feel too. But sometimes
it's just deflating. It's just deflating because I'm like that's.
Speaker 1 (01:01):
What you heard.
Speaker 3 (01:02):
Yes, what you heard, and that's what I say.
Speaker 1 (01:05):
Take it away, all.
Speaker 3 (01:05):
Right, let's get into the courtroom. It says heiki ki
am I wrong for blocking my sister after she embarrassed
me at the car dealership. My name is Tony and
I recently got into a bad car accident that left
me without a car for a few months. After recovering
and working overtime at my job, I finally saved up
(01:26):
enough money for a down payment on a new car.
During my time without a car, my sister was nice
enough to drive me back and forth to work, so
she was relieved when I asked her to take me
to the dealership to finally get a new ride. She
helped me pick a car. She joined me for the
test drive, and she waited with me while we worked
out the numbers. It was going so well into the
(01:48):
finance guy told me that I needed a co signer. Hmm.
I immediately looked at my sister because I'd do it
for her with no question. However, she quickly said and
refused to have any part of the deal. She put
me in a really bad spot and left me at
the dealership with no car. Made me leave the dealership
with no car, and I haven't spoken to her since,
(02:11):
and I have no plans to am I wrong.
Speaker 2 (02:13):
People are my take on this? Hang on tight Texters,
here we come, Kicky, You and I are often aligned
on these things.
Speaker 1 (02:26):
So Judge Kicky would say you we.
Speaker 3 (02:28):
Are the bullies, And unfortunately I don't want to bully you, Tony,
but I wouldn't have signed for you either. Bro, I'm sorry.
I mean she, your sister has done a lot. She's
been driving you around since you've had your accident. She's
set at the dealership with you. We know how long
that can take. And if you need a co signer,
what have you done to your credit that maybe you
(02:51):
know she doesn't want to put herself in risk or
in harm's way of having the same issue. I don't
think you can ever get wrong at someone for refusing
to be your car.
Speaker 1 (03:00):
There are a lot of variables here, right.
Speaker 2 (03:02):
I mean, you know you want to help somebody, especially family,
get on their feet, and maybe maybe it's worth it
to you to help them get transportation, because then that
takes the burden off of you as well. But my
question would be, is there no automnobile out there that
you can buy without a co signer, like, are you in?
Because if that's true to your point, if there's no
(03:22):
automobile on the planet that anyone will sell you without
a co signer, then we got to work on some
other things in our life, right. And I realize people
come acroon on hard times or whatever, but you're asking
me to now attach myself to that situation, and that
is unfair, right, Like, I mean, if your credit is
so bad that and again, maybe this person's trying to
buy a car they can't afford, in which case you
(03:44):
don't need me to co sign because you probably shouldn't
be buying this car. Is there any other option? Because
when it comes to me attaching myself to your tenuous
financial situation, I think that might be too much to ask,
even for family.
Speaker 1 (03:58):
It's not really fair.
Speaker 3 (04:00):
I agree with you one hundred percent on this one.
I mean, and I know how it can feel when
you're at a dealership and you pick out the car
and you take it on the drive and you start
loving everything about it. You got the new car, smell
the seats, feel good. You're excited, and then you go
back and work those numbers and they come back like, oh,
we need a co signer. I know you felt away
when that happened, but you can't just now think that
(04:21):
that's your sister's responsibility to now be your co signer.
Like she's your sister, she doesn't have to do that.
Speaker 2 (04:27):
I would love to know what kind of car it
was too, Like are you trying to go buy a
BMW or something? And because not everybody can, most people
can't afford you know whatever, You know what I mean,
It's like, are you going for a specific thing, because
at this point it sounds like anything would do. Any
reliable mode of transportation is what you need right now,
right But asking people when it comes to money, you know,
(04:49):
that's not an easy ask because some people have worked
very hard to put themselves in a good financial position
and they don't necessarily need you to mess that up
for them.
Speaker 1 (04:59):
And that tends to happen.
Speaker 3 (05:01):
All the time, all of the time.
Speaker 2 (05:03):
You guys are the jury to eight five five five
three five? What do you guys think?
Speaker 3 (05:08):
I'm a sucker?
Speaker 4 (05:09):
So I probably would get pulled into this knowing me,
But I also don't know if I'm the one that'll
be asked to be.
Speaker 3 (05:13):
To be honest, I don't like your house needs a
coach A three, I'm a co signer. I'm like, oh no,
but I do agree.
Speaker 4 (05:21):
I just feel like, you know, when I get my
stuff together, which will be soon, I'm not co siting
nothing for nobody, because I, like you said, work too
hard to either repair my credit or just you know,
get it up there.
Speaker 3 (05:31):
Like my mom is such an angel and she I
know she would do it.
Speaker 4 (05:35):
However, I don't ever want to do it to anybody
else just because I feel and I use my mom's
an example because I know she's like the first person
that would do what I recall, But I just also
would feel bad because if I'm laid on payments and
all that, it affects her. And that's the last thing
I want to do is ruin somebody else's future and
credit and all of that.
Speaker 5 (05:50):
Now.
Speaker 4 (05:50):
I know, like as a mother, if my daughter was
to ask me, and I probably left the co sign
like college loans or something, I'm sure you'll see my
name on there in eighteen years that I'll do, Like
I'll know if she can't pay it, like Mama's got her,
her dad, we got her.
Speaker 3 (06:03):
But that's it, like just my child, that is all.
Speaker 2 (06:06):
No sibling nothing, Yeah, And someone said, well, what if
it's lack of credit history? You know, maybe, But then
someone else commented, well, how quickly considering how quick this
is a text, Considering how quickly Tony was willing to
write her sister off for saying no one time after
all that help, you can kind of guess how much
responsibility and accountability that this person is willing to take.
(06:27):
I would say no as well.
Speaker 3 (06:29):
That's a good point, you can. She's been driving you around,
being your uber all this time that you didn't have
a car, and then the one time she says no,
it's like, oh, well, I don't I don't even want
to talk to you anymore.
Speaker 2 (06:41):
And then someone else suggested on the text, maybe the
ask is for a loan, but that this also doesn't
sound like a person I would want a loan money
to to be honest.
Speaker 3 (06:48):
Right, And you know how I feel about family with loans.
I'd rather just give you.
Speaker 2 (06:51):
Yeah, that's how I feel the same way. If the
only way that I'm in a position to give a
friend or family alone is if I can see it
as as never seeing it is, if I can accept
giving it to you and never getting it back, because
I'm not willing to lose a friendship or a family
member over money. So if you ask me for money,
I need to be in a position to essentially gift
it to you.
Speaker 3 (07:11):
Oh yeah, because people will. People will take a loan
and then act completely normal when it's past the payback deadline,
Like they keep going on and I'm like, oh, I
can think about is the money I gave you.
Speaker 2 (07:20):
And then you get into stuff like you loan somebody
money and they're supposed to pay you back, and then
all of a sudden they pull up in the BMW
and you're like that, wait a minute, you needn't have
any money, and now you got this nice car, but
like you still owe me money at the state cause
and then you start to free, start to go, and
then you look at a nice vacation.
Speaker 1 (07:36):
Right right vacation.
Speaker 3 (07:37):
When I loan you money, I want you to eat
rhymen noodles out the pad until I get my money back.
Speaker 1 (07:42):
I don't want to see you say you owe me.
Why are you spending more money?
Speaker 2 (07:45):
Yes? Yeah, I mean I know it just sounds it
sounds harsh, But maybe maybe this also might be a
blessing for this person too. Maybe this person should not
be buying. Clearly, it can't buy the car, right, so
I probably don't need it. There's probably something about this
that doesn't need to happen that could be even more
problematic in the future.
Speaker 1 (08:06):
Hey, Emily, good.
Speaker 5 (08:07):
Morning, Wait, good morning?
Speaker 6 (08:09):
Hi?
Speaker 1 (08:09):
Take you score? What say you so?
Speaker 5 (08:12):
I mean, first of all, it's like I think he
left out a lot of details, and probably you know,
for the reason of we would all be even more
against him. But too, she doesn't owe him anything. It's
a huge ask, and to block her immediately is also
just an immature response. Why didn't he I don't remember.
They'll hear she who wrote in like, why didn't they
try to have a Yeah, why didn't they at least
(08:33):
like try to have a conversation like, oh, why do
you feel uncomfortable being my co signer? Or like, you know,
because maybe that'll also give him an insight into why
others wouldn't want to co sign or what he could
do to get a co signer. I don't know. It
seems like he has unrealistic guests.
Speaker 2 (08:49):
Well, and Emily, I agree with the texture and with
you that that movement itself says a lot. Also, I've
done all this for you. I won't co sign. I
want to attach myself to a loan and you know,
for a significant amount of money for you, So you
just block me. So the second that I don't do
what you need me to do, then you eliminate me,
even though this comes at risk to me, So you
(09:10):
don't actually care about me at all.
Speaker 3 (09:12):
Right, all right, what I can do for you exactly.
Speaker 2 (09:14):
And the second I don't do it, then I and
then I'm out. We all know people like that, the
second that you're not serving them, then they don't want
you in their life anymore. The only way it works
is if you serve them. And it's like, nuh no,
we don't need people like that.
Speaker 5 (09:27):
She's not thinking about the liability for his sister. Also,
like what if she's trying to you know, like buy
a condo or you know, do a big purchase for herself,
where like my advice when I was looking at condos
was don't co sign anything, you know, don't do like,
don't sign for anyone, so like you know, she could
have her own like things she's trying to get in
her life that I mean obviously, like you guys just said,
(09:47):
like it's about him, not her, and that's unfortunate.
Speaker 2 (09:51):
Yeah, thank you, Emily, have a good day, yeah too.
And look, I know that not everybody's in a position
to have great credit, and times are tough and people
aren't making enough money to ends meet. I'm not talking
about that, but I am talking about it. It can
and does take a lot of sacrifice to put yourself
in a good financial situation. Oftentimes even people that don't
have a whole lot are able to do it, but
(10:12):
they're having to sacrifice.
Speaker 5 (10:13):
Right.
Speaker 2 (10:13):
So then for me to just willing nearly coston on
somebody who may not have those same values, then.
Speaker 1 (10:18):
That puts all that at risk.
Speaker 2 (10:20):
Yes, So I don't think I have to do that
for you, especially if we don't share the same financial
literacy values or financial awareness, the same values in that regard,
because not everybody. I feel like it's some people will say, well,
you know, if you're in a good financial position, it's
because you're rich, or because you had this or that.
Speaker 1 (10:39):
That's not entirely true.
Speaker 2 (10:41):
There are people who don't have a ton of money
who also don't have a ton of debt because they
live within their means. Right, And again, I'm not talking
about extenuating circumstances. I'm not talking about student loans or
medical debt or they're things that you just simply have
to spend on, so I don't necessarily need to go
screw it up.
Speaker 1 (11:00):
To you. And then the second I say no, you
block me.
Speaker 2 (11:03):
Come on, Tony, come on, hey, Gabby, Hi, Hi.
Speaker 1 (11:08):
Gabby, good morning. What do you think?
Speaker 7 (11:11):
Okay? I agree with both of you, guys. I do
think that it is valid that Tony asked her sister
to be her co signer. But Tony's sister, I'm sure
is just like used to like kind of like giving
in and doing things that she needs for her but
she also has to set her own boundaries at some point,
you know.
Speaker 1 (11:30):
Yeah.
Speaker 2 (11:31):
Yeah, And when it comes to money, I don't. I
don't necessarily have to have to do that for you. No,
it's a very serious topic and it could affect me
for the rest of my life. It could affect my
ability to go get a house, in a car or whatever.
Speaker 1 (11:43):
And I think you, at some point you have to
protect yourself.
Speaker 7 (11:47):
Yeah. I feel like it shows more about Tony's character
that she went right ahead and blocked her sister.
Speaker 2 (11:52):
Yeah, I agree. Thank you, Gabby, Thanks for listening. Have
a good day, you too, glad you called. Hey Jessica,
good morning.
Speaker 1 (11:59):
Welcome, good morning.
Speaker 3 (12:01):
How are you doing page?
Speaker 2 (12:02):
Yes, okay, So Keikey's court basically, it's a it's a
brother's sister situation, and the sister wants I'm.
Speaker 3 (12:07):
Trying to get because Tony Tony is the brother.
Speaker 2 (12:09):
So Tony is being asked to don't I don't want
to donate on a car, as his sister is asking hisself, Okay,
I'm trying to get this right, yeah, And the sister
says no, and so Tony's pissed. But it's like, wait
a minute, you know, is that is that an obligation
if you if you're not able to get something financially
and you need someone else to be involved with that,
(12:30):
does it have to be me?
Speaker 6 (12:32):
No, that's not even from talked about him. He's completely wrong.
That's not her obligation. He already from the accident, he's
already financially irresponsible. Because did you have insurance to even
cover some of the money to get you into a
new car?
Speaker 3 (12:48):
Oh, that's a good question.
Speaker 6 (12:50):
Yeah, and then on top of that, you have to
work all these hours work, work, work to have a
down payment. So you don't have anything saved in a bank.
Come on now, so now, yeah yeah, Now you want
me to hatch my name, my resources to you when
you already prove that you cannot, you know, you can't
take care of your business. Yeah, so, and then to
block her when she's already you know, stepped up and
(13:12):
helped him out at a time.
Speaker 2 (13:13):
But me so no, And let's also take any consideration.
Let's just assume that this is a good Obviously, this
is a good sibling, because he's been helping this person out,
you know, in a lot of other ways. And so
this person must feel that she he or she cannot
do this because you know what I mean, Because it's
not like we're talking about a selfish human being which
(13:35):
just doesn't want to Like, there's contracts here that we
don't know. So she obviously is uncomfortable with this notion
for some reason. So what don't we know here? And
it has offered a lot of other solutions, So I
don't like it. I wouldn't do it either. Thank you
so much, have a good day.
Speaker 3 (13:48):
Thank you you too.
Speaker 1 (13:50):
Glad you called Jessica. Hey, Dahlia, Dalia.
Speaker 3 (13:54):
Girl, you all right, I'm sorry, what are.
Speaker 1 (13:58):
We doing with the phone? Yeah, are you okay? Okay?
You work in a car dealership, so you know something
about this.
Speaker 8 (14:09):
Yes, I do a little bit. I work in the office,
so I work a little bit with like people trying
to sell their cars, and a lot of the time
they aren't able to because they're coal shiner. They're the
co signer in the.
Speaker 5 (14:23):
Person who was trying to sell the car.
Speaker 8 (14:26):
They never made the payments or something, or they're late,
so just messes up what they're whatever. They own the car.
Speaker 2 (14:32):
So basically you're saying this, this could potentially become a
big problem for the unassuming co signer who's simply there
just to help you.
Speaker 1 (14:39):
Get the money.
Speaker 2 (14:41):
Oh yeah, definitely, Yeah, can be doing this stuff all right, Delia,
back to juggle on your phone.
Speaker 8 (14:45):
Have a good day.
Speaker 3 (14:47):
Bye, glad you get Oh no, you and you know
your siblings like you know you, We all love exactly
And I know I know which sibling is loan money too,
and I know which one absolutely not, and I love
them both the same
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