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’

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

  
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• 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.

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• 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.

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• 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.

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