Matter of the truth is most of rich people are empathic. But regardless, i would rather show empathy than being cold hearted in this short life span that we have in this world. Wth is happening to this world 😢
Yes, she is going to co-sign. For her husband's cousin!!?? (Is she nuts? Husband's cousin??? That's a stranger.) And in a few months the apartment will kick her out because of her behavior, and then hand Judy a bill for $50,000 for the damages she did to the apartment. Husband's cousin!!?? With mental problems?? Who has never worked in her 60 years of life?? AYFKM? What could possibly go wrong?
the fact that she said the disabled lady's brother doesn't love her to pay for every already says she's naive enough to co-sign, she will screw herself up and her husband, Dave has enough life experience to see thru the issue right away, thr caller must've been sheltered pretty well thru out her life(despite her age) to not able to see the ugly side of life
She could be evicted. Court costs for that can exceed 10k. Guess what? If you cosigned for that apartment for her, guess who has to pay the legal bills for that? You do if you cosigned. People do not understand the legal implications of cosigning. Just don't do it people.
Many years ago I co-signed for a business associate for a phone system. He took off, leaving me with $1500 bill. I had to get a loan on my car, never saw him again. Lesson learned.
You SAID NO!!! is she deaf? It's like she Wants to do it, and she wants you to approve?? Something tells me, she's going to do it anyway, and get screwed 😢😢
My husband listening in the background as I watch this video: "People must really be gluttons for punishment calling in and asking Dave these stupid questions."😂😂😂😂
I work in money management for adults with disabilities, particularly severe mental health issues. These individuals often do get themselves kicked out of housing, but you still have to provide a home for them each time. It’s a lifelong problem, and that’s why she has a special-needs trust. It’s driving me crazy that this brother is abusing his power. I don’t care about this woman cosigning, it’s obviously something she shouldn’t do. But we can’t stand on the sidelines and act like this woman deserves to not be taken care of. She can’t help the actions she’s taking. I had a client who repeatedly went door-to-door and bothered neighbors, so she lost her apartment, but she is still a human deserving of a roof over her head, Despite a severe mental illness. It sounds like the family needs to find more suitable housing placements for her.
@@chrissylong6001maybe/hopefully the brother isn’t abusing his power 4:41 that’s my first thought😢…perception is different when you’ve known a person their whole life and working in a field for years. Either way thank you for what you do.
My brother is in a pretty bad situation. The family was having a conversation about a path to clean his life up and he mentioned co-signing for a car. My mom and I immediately said no. It’s a non-starter and always will be.
@@floppercosplay5262help front up cash for a sub 10k used car if you want to help someone get transportation for work. Never co-sign a loan for anyone, especially one who is irresponsible.
I used to live two doors down from a Section 8 house and I think they looked for the trashiest people in Denver to live there. Constant yelling and screaming, police runs, the toddler roaming the neighborhood at night. I can't imagine how bad you have to be to get kicked out of Section 8.
The caller said the lady had Section 8 and lost it. Caller repeated it for a second time. The caller states the lady has never worked. So Section 8 wasn't lost due to a change in income, most likely. If the lady's Section 8 landlord went through an eviction and won, that would be sufficient to lose a Section 8 voucher. Perhaps, the lady was evicted and that led to the loss of Section 8? If the lady was evicted something went wrong with her Section 8 housing situation. The caller provided insufficient information as to what led to the lady losing Section 8, so it's all mere speculation on my part. However, losing Section 8, along with other information provided by the caller (disturbing future potential neighbors, etc) suggest co-signing could put the caller at risk of future legal action. ETA: the brother may in fact be a total jerk who doesn't love his sister and takes pleasure in her misfortune. Or,he could be a decent guy, who's tried again and again to help thr sister only to get burned and he's drawing a boundary. Drawing boundaries doesn't mean love is absent. Love doesn't mean being a doormat.
Most women lose section 8 for letting a boyfriend stay with them or getting a roommate and collecting cash. You don't lose your voucher if you get evicted. You get a new voucher and have to find a new place to live.
As far as the brother goes you are right it COULD be either one... it pisses me off however that Dave refuses to believe that siblings could ever been like that when I am exactly like that lmao
Never ever co-sign unless you are prepared to pay it all yourself if they default. That is what co-signing is. If you are not willing to become the bank for the debt, don't do it. It's as simple as that. I'm glad Dave corrected her trashing talking the brother. The brother said no because he has been burned one too many times. He's not the a-hole.
What also makes co-signing dangerous isn't just you getting stuck paying, but if she trashes the apartment or has some kind of legal issue with the apartment complex, the co-signer gets stuck paying for it all. So, all around it's just a dangerous game to play. It's much worse than lending money to someone cause at least you can wash your hands from it and walk away. It's not that easy when it comes to guaranteeing another person's character like co-signing is.
If the gal has mental illness/disability & is that old, probably time she goes & lives at a foster care situation or group home or supported independent living (with staff support). She will lose some independence, yes, but the special needs trust will ensure she is cared for. And some more “family run” adult foster care homes have their own pets so she could still have that company . . .
An issue that's not addressed is how the trust paying for rent may jeopardize other government benefits she's receiving. There are often limitations in the trust instrument that distributions shall not be made in a way that cause disqualification from SSI and other benefits. Housing is one of the types of distributions that can disqualify someone.
As a landlord that went through this with a past tenant, I can 100% confirm that Dave is right. The tenant had a co-signer and she invited a boyfriend in that destroyed the place. She also had a family friend prepay 8 months in advance with a extra deposit. In the end I had to threaten legal action against the co-signer in order for her to vacate. She was only there for 2 months and the place was completely destroyed. The extra money did nothing in comparison to the cost to fix it back to its original point. Everything Dave said is completely true.
Dave suspected that she was not being 100% honest when she claimed he just didn’t love her. And she admitted there was more to it. You don’t just “lose” section 8, she did something to lose it. The brother is likely very aware of her issues and isn’t willing to destroy his own family’s finances for her. He’s not a bad person for this and it doesn’t mean he doesn’t love her. BOUNDARIES!
@@cawheeler27 absolutely, but my point is that he is way too overly confident that it isn't possible. Also, if he is the truster, his job is to make sure she reasonably uses her money, which means if he is denying her the funds to even have a place to live, which with enough money in the trust to pay the rent, should not be an issue even without a co-signer. It isn't his money, it is his money to release in reasonable ways, which denying her the funds for a place to live is not reasonable
I like the bonus second call at the end and that's actually what my wife and I are going through. We're currently pushing all of our money to our debt just so we can get rid of it.
Judy is trying to be the saviour and good Samaritan so bad, saying that the brother doesn't love his sister. Ma'am her parents didn't even trust her 60 year old behind enough to leave money to her directly, they left it in a trust under the care of the brother. There's a reason for this. Judy you're sticking your "Karen" nose where it doesn't belong and you're trying to be this ladies savior, and trying to pull the holier than thou card on the brother; and you'll just end up getting burned. I don't doubt that this caller will most likely ignore Dave's and John's advice and pay the price later; then she'll make herself out to be a martyr after the sister takes advantage of her. 🤦🏽♀️
@prudencek7087 Having gone through something similar in the past while trying to help another person, I can concur with everything you said. All I can suggest to people is if you're going to try to help someone else, just be ready ahead of time to lose whatever money (or whatever else) you are trying to help them with, because if they were able to pay you back, they probably wouldn't be asking for help in the first place. If you're ok with that then fine, go ahead and help them.
@@reese85 She must be pretty familiar with her to think about co-signing an apartment. I agree that letting her move in with her would be much safer than signing your life away on this mental case.
Dave and John are a billion percent right here. Especially the bit about the assorted four legged friends. I'll also predict there's gonna be rando boyfriends with drug, mental health and or alcohol problems. I have seen this before, it's very very sad.
@Sheryl777 I could care less what it sounds like to u but as I said! When it comes to my kids, I would co-sign for them and accept whatever comes with it. If you don’t feel the same about your kids, that’s on u
I learned the hard way NEVER COSIGN AND NEVR LEND MONEY TO FRIENDS!!! Its harsh but saves a lot of headache..if you want to and can, give the money that's fine. if they pay it back great, if not no big deal..best way to keep friendships!! IMO
She’s not listening or understanding. So she’s going to co-sign because she appoints herself as a knight in shining armour. It will end very badly, very quickly.
Don’t do it!!! I did it for my (former) best friend and he never paid the bill. Then he had the nerve to call the company saying the bill will be paid off in Jesus name. I love Jesus but I ended up settling the bill.
Again my apologies for laughing cuz I would’ve been pissed as well, but being on the other side of it and hearing it! It’s kinda funny and I hope now that it’s over you can look back and laugh at as well
Do not do this, this is trouble! she will have everyone and there neighbours in there using her food and money and then end up On the street and you are still paying for it. She needs to be in a independent living building with daily help and assistance with the march of dimes or other agencies.
According to a quick Google search: A person can lose their Section 8 apartment in California for a number of reasons, including: Breaking the rules This includes: Not paying rent on time Violating the lease Engaging in criminal or drug-related activity Allowing an unauthorized person to live in the unit Not providing required information to the Housing Authority Not allowing the housing authority to inspect the unit Not notifying the housing authority before moving out or ending the lease. There's a reason she lost her Section 8
The parents left a trust for a reason. If the brother isn't caring for his sister, perhaps the caller could contact some advocate service that can urge the brother to " cough up" funds for housing. It seems like that is what is needed.
if the parents had the ability to set up a trust and the brother has the stomach to actually say no... the family is healthy woman: "dysfunctional family" Dave and John: "dysfunctional woman with a healthy family" we see what we want to see
Problem is guilt from not going along with someone else’s idea for you to do. I would not co-sign anything. But suggest paying every required payment up front. The moment you legally obligate yourself, you face a lifetime of consequences. It reminds me what defines a marriage. A partnership where you get stuck with someone else’s idea of spending…
Exactly! Especially when they said she lost the section 8 housing. If you can't afford section 8, then you can't afford anything because you are a lost cause.
My brother wanted me to co-sign for a house with 4 bedrooms, in a certain area, with help on the down payment. He has no sense for money due to his ex wife making all financial decisions. I said No so fast his head spun.
Why did she lose her Srction 8 housing? The caller is an enabler & it’s likely that the family member will be evicted or not have her lease renewed because of her behavioral issues.
I have health issues, no family where we are, my home is paid off, I made repairs on home A/C $8k, Car $10k, everything else paid, sister wants us to move to where she is, but houses are more expensive. Closest relative is a 10 hour drive. I'm in no condition for moving, 64 recovering third cancer treatment, wife older bad knees and ticker, 20 YO grandson, autistic, whom we raised since 2, has no understanding in caring for anyone. What should I look for in options?
In some ways the economic downturn is blessing. This kind of childlike irresponsibility will become fatal. We got away with "not working, and upsetting the neighbours" for way too long.
If the trust is setup for why is the brother trying to keep her from using it? He might have his own agenda for the money and if she is gone he can do whatever he wants. why would you automatically assume the brother has been the victim in a reported dysfunctional family. Get the cousin to talk to someone at legal aid to help her get her money.
People like this want someone else to blame if things don't go their way. If this lady is so trustworthy and you have all the evidence, then just do it. Why ask strangers on the internet? She "feels" it's the right thing to do but wants someone else to blame when it backfires.
I cosigned my nephew's college loan. My brother's income requirement was not met to cosign. I know my nephew well. he paid the loan back early. I would not say never, but don't generally do this. My adopted son on the other hand has defaulted on two small loans and will never get a cosign, as I know his worthiness is very lacking. Yes cosigned for my nephew, but will never cosign for my adopted kid. Don't cosign for someone who has a family member who knows them and refuses to cosign. There is a reason this is not a good idea.
You're an adult. Stop calling strangers to ask what to do with your own money. The strangers who only care about receiving your call so they can broadcast it and get richer. Think for yourself.
Dave is at his peak. The problem is actually getting people to implement the golden advice. I doubt 10% of callers do it. The next step would be digging deeper into the psychological (and often generational) problems that prevent people from behaving rationally.
I agree. Dave has had countless calls just in the past year of people co-signing and regretting it asking him how to resolve the issue. Co-signing usually blows up in your face.
LOL, if you want to sign plan on doing it with your own cash, not something that someone else controls (who knows better). The existing neighbors don’t want you to do it either. The question that needs to be asked is, why are you moving your new BFF into your own place.
I'm always suspect when someone *starts* an introduction with a qualification. 'I am .....". Usually the main culprit is Christian and that's an immediate checkout but the list keeps growing...
Your empathy will destroy you. I had to learn this the hard way.
Many of us do. I hope you’re okay
Matter of the truth is most of rich people are empathic. But regardless, i would rather show empathy than being cold hearted in this short life span that we have in this world. Wth is happening to this world 😢
Yep. "Suicidal empathy" Gad Saad calls it.
She will eat the cats
It’s destroying our country on an epic level. Trump!
Co-sign doesn’t mean co-sign. It means you sign. Don’t let them fool you.
Yes!
Exactly how you gotta look at it.
NEVER NEVER CO-SIGN, NEVER !! Dave is right on this one !
She is going to co-sign... i can hear it in her voice. She is convinced that is the only way to help.
as long as she is willing to pay, then co-sign is ok. If she is not willing to pay, then never co-sign.
Her next call to Ramsey will be how do I get out of a lease that I consigned for😂😂😂
She is going to do what she wants to do and when it doesn't work out she is going to be mad that nobody stopped her.
Yes, she is going to co-sign. For her husband's cousin!!?? (Is she nuts? Husband's cousin??? That's a stranger.)
And in a few months the apartment will kick her out because of her behavior, and then hand Judy a bill for $50,000 for the damages she did to the apartment.
Husband's cousin!!?? With mental problems?? Who has never worked in her 60 years of life?? AYFKM? What could possibly go wrong?
the fact that she said the disabled lady's brother doesn't love her to pay for every already says she's naive enough to co-sign, she will screw herself up and her husband, Dave has enough life experience to see thru the issue right away, thr caller must've been sheltered pretty well thru out her life(despite her age) to not able to see the ugly side of life
She could be evicted. Court costs for that can exceed 10k.
Guess what? If you cosigned for that apartment for her, guess who has to pay the legal bills for that? You do if you cosigned.
People do not understand the legal implications of cosigning. Just don't do it people.
When Dave touched that mute button while she was talking that meant you’re annoying me shut up lol
It means she isnt listening and they dont have 3 hours to sit there arguing with her. Dont be so sensitive
She 100% had made up her mind, she was simply calling Dave to validate her dumb decision and he wouldn't do it.
@@donjohnson1416 that sums up with what I was saying so why don’t you take your own advice
@@donjohnson1416 he wasn't being sensitive. He simply pointed out what happened. Just like you did, except you added your attitude 😂😂😂
@@donjohnson1416Yeah but,
"Two hypotheticals removed from reality." Exactly.
This woman isn't going to listen to wisdom.
Many years ago I co-signed for a business associate for a phone system. He took off, leaving me with $1500 bill. I had to get a loan on my car, never saw him again.
Lesson learned.
even if someone isn't a bad person, people get pulled away from obligations all the time. This woman lives in a crisis.
A business associate is WAY different than family lol
DO NOT CO-SIGN. Please DO NOT do that to yourself. It will blow up in your face. Listen to Dave.
You SAID NO!!! is she deaf? It's like she Wants to do it, and she wants you to approve?? Something tells me, she's going to do it anyway, and get screwed 😢😢
Sounds like the last person you'd want to co-sign for... not that you should co-sign in general to begin with.
woman: "dysfunctional family"
Dave and John: "dysfunctional woman with a healthy family"
we see what we want to see
If you care for her so much rent her a room ouf of your household, but you wouldn't do that huh 😂
Good point!
True
Dave is ruthless. I love it!
No one else on this channel is willing to lay it down like Dave does. When he retires, this channel is done.
Hes tired of the same old question 😂
Would you love it if you were the one that he was being ruthless to? 😂
Savage Dave is back 😂
@@TMHF
Old school straightforwardness
My husband listening in the background as I watch this video:
"People must really be gluttons for punishment calling in and asking Dave these stupid questions."😂😂😂😂
😆 my husband said “she said she is a long time watcher - clearly she doesn’t listen!”
@@Bees-knees99 Right?!🤣🤣🤣
Exactly the right advice. This lady clearly has no experience with someone who is mentally ill. You need strong boundaries and to protect yourself.
I agree with Dave you can't coach crazy. Even though he tries sometimes.
Did she get kicked out of the other place because “she loves cats”?
😂😂😂
I work in money management for adults with disabilities, particularly severe mental health issues. These individuals often do get themselves kicked out of housing, but you still have to provide a home for them each time. It’s a lifelong problem, and that’s why she has a special-needs trust. It’s driving me crazy that this brother is abusing his power. I don’t care about this woman cosigning, it’s obviously something she shouldn’t do. But we can’t stand on the sidelines and act like this woman deserves to not be taken care of. She can’t help the actions she’s taking. I had a client who repeatedly went door-to-door and bothered neighbors, so she lost her apartment, but she is still a human deserving of a roof over her head, Despite a severe mental illness. It sounds like the family needs to find more suitable housing placements for her.
@@chrissylong6001maybe/hopefully the brother isn’t abusing his power 4:41 that’s my first thought😢…perception is different when you’ve known a person their whole life and working in a field for years. Either way thank you for what you do.
Sometimes you are better off not stepping into the middle of something, even if you have good intentions.
👍
Don't cosign unless you want to pay.
My brother is in a pretty bad situation. The family was having a conversation about a path to clean his life up and he mentioned co-signing for a car. My mom and I immediately said no. It’s a non-starter and always will be.
Maybe he needs a car to get to work?
@@floppercosplay5262help front up cash for a sub 10k used car if you want to help someone get transportation for work. Never co-sign a loan for anyone, especially one who is irresponsible.
I used to live two doors down from a Section 8 house and I think they looked for the trashiest people in Denver to live there. Constant yelling and screaming, police runs, the toddler roaming the neighborhood at night. I can't imagine how bad you have to be to get kicked out of Section 8.
We're on Section 8, and we're not like that.
The caller said the lady had Section 8 and lost it. Caller repeated it for a second time.
The caller states the lady has never worked. So Section 8 wasn't lost due to a change in income, most likely.
If the lady's Section 8 landlord went through an eviction and won, that would be sufficient to lose a Section 8 voucher. Perhaps, the lady was evicted and that led to the loss of Section 8?
If the lady was evicted something went wrong with her Section 8 housing situation.
The caller provided insufficient information as to what led to the lady losing Section 8, so it's all mere speculation on my part.
However, losing Section 8, along with other information provided by the caller (disturbing future potential neighbors, etc) suggest co-signing could put the caller at risk of future legal action.
ETA: the brother may in fact be a total jerk who doesn't love his sister and takes pleasure in her misfortune.
Or,he could be a decent guy, who's tried again and again to help thr sister only to get burned and he's drawing a boundary. Drawing boundaries doesn't mean love is absent.
Love doesn't mean being a doormat.
THE CATS LOST THE SECTION 8!!! with ANGER ISSUES
Most women lose section 8 for letting a boyfriend stay with them or getting a roommate and collecting cash. You don't lose your voucher if you get evicted. You get a new voucher and have to find a new place to live.
@@analyticalchick3064 The waiting list for a Section 8 voucher is typically 2-3 years long.
As far as the brother goes you are right it COULD be either one... it pisses me off however that Dave refuses to believe that siblings could ever been like that when I am exactly like that lmao
Yes, I wondered why she lost the Section 8 because that is a big deal for someone who has never worked and only been a part of that program.
My parents were landlords (lots of Section-8) and it was NOTHING BUT DRAMA. Have never wanted to become a landlord EVER because of that.
We have Section 8, and we're not drama.
the lady did something to lose her section 8. let her solve her own problem...keep your nose out and you wont get stung.
I agree, but I am still genuinely curious, what should the lady with the personality disorder do???
@@jacksonsmith5490Professionals who diagnosed her know better how to help her than the woman with the blind spot as Dave says.
Imagine saying you've been a long time listener and then thinking Dave is going to give you the thumbs up on co-signing.
Never ever co-sign unless you are prepared to pay it all yourself if they default. That is what co-signing is. If you are not willing to become the bank for the debt, don't do it. It's as simple as that. I'm glad Dave corrected her trashing talking the brother. The brother said no because he has been burned one too many times. He's not the a-hole.
What also makes co-signing dangerous isn't just you getting stuck paying, but if she trashes the apartment or has some kind of legal issue with the apartment complex, the co-signer gets stuck paying for it all. So, all around it's just a dangerous game to play. It's much worse than lending money to someone cause at least you can wash your hands from it and walk away. It's not that easy when it comes to guaranteeing another person's character like co-signing is.
It's the 93 cats..... I'm afraid off! 😂
If the gal has mental illness/disability & is that old, probably time she goes & lives at a foster care situation or group home or supported independent living (with staff support). She will lose some independence, yes, but the special needs trust will ensure she is cared for. And some more “family run” adult foster care homes have their own pets so she could still have that company . . .
I love how they fit another call in this clip as well. Dave worked out the solution so quick!
An issue that's not addressed is how the trust paying for rent may jeopardize other government benefits she's receiving. There are often limitations in the trust instrument that distributions shall not be made in a way that cause disqualification from SSI and other benefits. Housing is one of the types of distributions that can disqualify someone.
Lost section 8 voucher due to violations.
As a landlord that went through this with a past tenant, I can 100% confirm that Dave is right. The tenant had a co-signer and she invited a boyfriend in that destroyed the place. She also had a family friend prepay 8 months in advance with a extra deposit. In the end I had to threaten legal action against the co-signer in order for her to vacate. She was only there for 2 months and the place was completely destroyed. The extra money did nothing in comparison to the cost to fix it back to its original point. Everything Dave said is completely true.
1:27 I hate to break it to Dave, but not all families are functional. Not all siblings love each other.
Yes, but there is usually a reason. Even a brother or sister will only put up with so much before they say no more
Dave suspected that she was not being 100% honest when she claimed he just didn’t love her. And she admitted there was more to it. You don’t just “lose” section 8, she did something to lose it. The brother is likely very aware of her issues and isn’t willing to destroy his own family’s finances for her. He’s not a bad person for this and it doesn’t mean he doesn’t love her. BOUNDARIES!
@@cawheeler27 absolutely, but my point is that he is way too overly confident that it isn't possible. Also, if he is the truster, his job is to make sure she reasonably uses her money, which means if he is denying her the funds to even have a place to live, which with enough money in the trust to pay the rent, should not be an issue even without a co-signer. It isn't his money, it is his money to release in reasonable ways, which denying her the funds for a place to live is not reasonable
I feel no empathy for people who have never worked going homeless. If she can live alone, she can work.
Seems most families have a member that can do anything but work.
'... He doesn't love her"
That killed me lol
woman: "dysfunctional family"
Dave and John: "dysfunctional woman with a healthy family"
we see what we want to see
Not all siblings love each other. Not all would co sign. For so many reasons.
woman: "dysfunctional family"
Dave and John: "dysfunctional woman with a healthy family"
we see what we want to see
Exactly!
I co-signed for my daughter. She left an 8,000$ debt for me to pay. Don’t cosign for anyone!
it is not her problem at all. between her and your husband. that is how you get yourself into major problems mind your own Business
Don't do it. Period!!
You can't fix stupid... you can point it out.
Never co-sign.
I like the bonus second call at the end and that's actually what my wife and I are going through. We're currently pushing all of our money to our debt just so we can get rid of it.
Not that he doesn't love her. He's burned out.
Judy is trying to be the saviour and good Samaritan so bad, saying that the brother doesn't love his sister. Ma'am her parents didn't even trust her 60 year old behind enough to leave money to her directly, they left it in a trust under the care of the brother. There's a reason for this. Judy you're sticking your "Karen" nose where it doesn't belong and you're trying to be this ladies savior, and trying to pull the holier than thou card on the brother; and you'll just end up getting burned. I don't doubt that this caller will most likely ignore Dave's and John's advice and pay the price later; then she'll make herself out to be a martyr after the sister takes advantage of her. 🤦🏽♀️
This all day!😂
@prudencek7087 Having gone through something similar in the past while trying to help another person, I can concur with everything you said. All I can suggest to people is if you're going to try to help someone else, just be ready ahead of time to lose whatever money (or whatever else) you are trying to help them with, because if they were able to pay you back, they probably wouldn't be asking for help in the first place. If you're ok with that then fine, go ahead and help them.
She can rent a room with other people and save on money as well and you don't have to co-sign for anything. Shared living is a thing.
would you share a rm with someone your not familiar with that’s mentally unstable?
That’s what my over 60 year old cousin does. She never lived on her own.
@@reese85 She must be pretty familiar with her to think about co-signing an apartment. I agree that letting her move in with her would be much safer than signing your life away on this mental case.
@vickieclark5931 I think the person meant by her getting random roommates vs sharing an apt with the lady who wants to co-sign for her
Dave and John are a billion percent right here. Especially the bit about the assorted four legged friends. I'll also predict there's gonna be rando boyfriends with drug, mental health and or alcohol problems. I have seen this before, it's very very sad.
How is all of this her problem to solve? You do YOU. He said something in the ranks of wasting a whole year of her life. That's insane.
Never ever co-sign
I’ll def co-sign for my kids and live with whatever outcomes that comes with that
@@reese85 That explains why you aren't smart financially it sounds like.
@Sheryl777 I could care less what it sounds like to u but as I said! When it comes to my kids, I would co-sign for them and accept whatever comes with it. If you don’t feel the same about your kids, that’s on u
I learned the hard way NEVER COSIGN AND NEVR LEND MONEY TO FRIENDS!!! Its harsh but saves a lot of headache..if you want to and can, give the money that's fine. if they pay it back great, if not no big deal..best way to keep friendships!! IMO
My sister in law exactly, except she is 80 years old still doing the same crap.
She’s not listening or understanding. So she’s going to co-sign because she appoints herself as a knight in shining armour. It will end very badly, very quickly.
Don’t do it!!! I did it for my (former) best friend and he never paid the bill. Then he had the nerve to call the company saying the bill will be paid off in Jesus name. I love Jesus but I ended up settling the bill.
I’m sorry to laugh! But saying the bill would be paid off in Jesus name, is hilarious!!!!!!!!
@@reese85 I was so mad but guess what the responsibility fell on me at the end of the day!
This is one of the funniest things I’ve heard in a long time.
Again my apologies for laughing cuz I would’ve been pissed as well, but being on the other side of it and hearing it! It’s kinda funny and I hope now that it’s over you can look back and laugh at as well
Ah man that sucks to hear but boy did I laugh 😭
What did she do wrong to lose section8, did she do drugs or have some one living with her who did? I would not sign anything for this person
Do not do this, this is trouble! she will have everyone and there neighbours in there using her food and money and then end up On the street and you are still paying for it. She needs to be in a independent living building with daily help and assistance with the march of dimes or other agencies.
She'll invite 10 stray cats into her apartment.
Dave has help me out so very much, thanks Dave.
And there are paces that take adults with major issues like this. But I'm sure these places are cost much more than an apartment.
According to a quick Google search:
A person can lose their Section 8 apartment in California for a number of reasons, including:
Breaking the rules
This includes:
Not paying rent on time
Violating the lease
Engaging in criminal or drug-related activity
Allowing an unauthorized person to live in the unit
Not providing required information to the Housing Authority
Not allowing the housing authority to inspect the unit
Not notifying the housing authority before moving out or ending the lease.
There's a reason she lost her Section 8
She’s the definition of “nice guys finish last” she’ll hang up the phone and co-sign and end up in a world of trouble.
The parents left a trust for a reason. If the brother isn't caring for his sister, perhaps the caller could contact some advocate service that can urge the brother to " cough up" funds for housing. It seems like that is what is needed.
if the parents had the ability to set up a trust and the brother has the stomach to actually say no... the family is healthy
woman: "dysfunctional family"
Dave and John: "dysfunctional woman with a healthy family"
we see what we want to see
Or turn it over to her payee if she has one if she's that mental I'm sure she can't manage her own well-fare check (right) ?
She doesn't want to live near them or they don't want to live near her. In this specific situation, that says a lot.
She should call the local community mental health agency and they can probably help with figuring out an appropriate housing situation.
At 0:20 she said she does want to cosign. Her mind was made up before she called the show.
I know you say never cosign ever for any reason no matter what... buhhhht wudddddaaaabooooouuuuuut....
Problem is guilt from not going along with someone else’s idea for you to do. I would not co-sign anything. But suggest paying every required payment up front. The moment you legally obligate yourself, you face a lifetime of consequences. It reminds me what defines a marriage. A partnership where you get stuck with someone else’s idea of spending…
Let her do it, she has more excuses and doesn't want advice. California, go figure. They never listen to logic.
How bad do you got to be acting to get kicked out of a social program at 60 in California
She already co-signed. She was just looking for Dave's approval.
As soon as I heard "section 8" that was a big no.
Exactly! Especially when they said she lost the section 8 housing. If you can't afford section 8, then you can't afford anything because you are a lost cause.
This lady is stubborn. Just let her co-sign and get screwed financially. Then, she'll learn the hard way what a bad idea it was.
It's probably better for the cousin to experience consequences for her actions than be bailed out by the caller.
@@sp-cn8pmsounds like they both need to learn
I wouldn’t call her stubborn for wanting to do a good deed
Could a complete stranger co-sign?
@@reese85 She's literally arguing with Dave about not doing it; that's stubbornness.
My brother wanted me to co-sign for a house with 4 bedrooms, in a certain area, with help on the down payment. He has no sense for money due to his ex wife making all financial decisions. I said No so fast his head spun.
What suggestion can you give her? Can she sue the trustee if she thinks he's not acting in the best interest of the trust?
Why did she lose her Srction 8 housing? The caller is an enabler & it’s likely that the family member will be evicted or not have her lease renewed because of her behavioral issues.
sometimes the best thing you can do for someone you love is NOTHING.
Believe it or not, some people come from families that don't love them
SHE NEEDS TO BE IN A GROUP HOME WITH 24-7 CARE!!!
I have health issues, no family where we are, my home is paid off, I made repairs on home A/C $8k, Car $10k, everything else paid, sister wants us to move to where she is, but houses are more expensive. Closest relative is a 10 hour drive. I'm in no condition for moving, 64 recovering third cancer treatment, wife older bad knees and ticker, 20 YO grandson, autistic, whom we raised since 2, has no understanding in caring for anyone. What should I look for in options?
In some ways the economic downturn is blessing. This kind of childlike irresponsibility will become fatal.
We got away with "not working, and upsetting the neighbours" for way too long.
I believe the caller mentioned Section 8. People who manage section 8 housing realize that some of their tenants have struggles.
If the trust is setup for why is the brother trying to keep her from using it? He might have his own agenda for the money and if she is gone he can do whatever he wants. why would you automatically assume the brother has been the victim in a reported dysfunctional family. Get the cousin to talk to someone at legal aid to help her get her money.
She needs to contact a social worker for assistance on mental illness home placement. They will have a house manager in the building.
I co-signed for a car for a girlfriend when I was young and stupid. Ended up paying about 90% of that loan myself
You're never too old to learn the hard way.
Great advice but the caller isn’t listening and probably will co sign and get dragged into something that could be avoided.
High risk, high risk, high risk. Mad if you do this..
Dave is absolutely right, they can pre-pay rent. Never co-sign for something like this.
People like this want someone else to blame if things don't go their way. If this lady is so trustworthy and you have all the evidence, then just do it. Why ask strangers on the internet? She "feels" it's the right thing to do but wants someone else to blame when it backfires.
I don't think they understand because they don't have to deal with things like this, the apartment places around here won't let you pay in advance.
I cosigned my nephew's college loan. My brother's income requirement was not met to cosign. I know my nephew well. he paid the loan back early. I would not say never, but don't generally do this. My adopted son on the other hand has defaulted on two small loans and will never get a cosign, as I know his worthiness is very lacking. Yes cosigned for my nephew, but will never cosign for my adopted kid. Don't cosign for someone who has a family member who knows them and refuses to cosign. There is a reason this is not a good idea.
You're an adult. Stop calling strangers to ask what to do with your own money. The strangers who only care about receiving your call so they can broadcast it and get richer. Think for yourself.
Dave is at his peak. The problem is actually getting people to implement the golden advice. I doubt 10% of callers do it. The next step would be digging deeper into the psychological (and often generational) problems that prevent people from behaving rationally.
Sounds like she shouldn't live alone. DO NOT COSIGN. YOURE BEING SO NAIVE, KIND LADY.
The caller seems to be missing the history of the last few decades.
I agree. Dave has had countless calls just in the past year of people co-signing and regretting it asking him how to resolve the issue. Co-signing usually blows up in your face.
I trust the 92 cats more than the cousin.
Its funny how people call to ask for permission 🤣🤣
Definitely a Biden/Harris open borders voter. “Her brother is so MEAN! I feel bad and my FEELINGS are stronger than my common sense”.
lady no!!!
I co-signed for a friend once, it was dumb, never again.
Found myself yelling shut up! Cause she wouldn’t!
LOL, if you want to sign plan on doing it with your own cash, not something that someone else controls (who knows better). The existing neighbors don’t want you to do it either. The question that needs to be asked is, why are you moving your new BFF into your own place.
I'm always suspect when someone *starts* an introduction with a qualification. 'I am .....". Usually the main culprit is Christian and that's an immediate checkout but the list keeps growing...
FEELINGS WILL GET YOU SCREWED...FOLLOW YOUR COMMON SENSE IN A BUSINESS TRANSACTION!!! THIS IS A BUSINESS TRANSACTION IN BEING A CO-SIGNER!!!