CHCH22
Metaspoon User

4
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NTJ and for all the people on here saying it's JUST 100 bucks, you don't have their financial concerns so you don't know that 100 will or won't cause hardship to them. Add to that the possible addiction issues and you are perfectly well within reason to say no or offer to take her food/clothing shopping or gift cards to specific stores where they can use them. If it turns out that she sells them for the cash value then that is on her. You tried to help but she turned it down because it wasn't the kind of help she wanted.
Sooooooo NTJ. They asked you, knowing your credit score is what allowed you to get the mortgage in the first place, meaning they were already upside down financially and attempting to live beyond their means. You also had to take a big hit taxes wise for removing money from your 401K. Are they going to pay you back the total 401K loan, including the accelerated taxes, PLUS the money you had to take out of your HSA and HELOC accounts, PLUS the down payment, PLUS the accrued equity, PLUS at least half of the appraised current value, PLUS the repairs and maintenance costs since they occupied the house? If they had stopped making the payments all of that would have been sitting on you as the legal owner of the property. You took on that risk as well as providing the down payment and taking care of the repairs to make it livable and bring it back up to code. Your SIL seems to understand that and is fine with your decision. Your brother on the other hand is definitely the entitled jerk as it is clear his wife has been carrying him most of his adult life and he has not had to deal with any consequences from his own actions. He is the perfect example of the definition of "arrested development". He is well past the developmental stage where it is acceptable for your primary "occupation" to be a gamer and pothead. It is not your responsibility to finance or support his "lifestyle" choices. He's just mad because he thought he was going to get something for nothing AND be able to take the credit for it, as well as profit. Considering how OK your SIL is with the decision and only upset that she has to listen to him whine, I am betting the main reason it got brought up is she asked him for a divorce, or at least a legal separation and he offered her repayment as a means to reduce what she would get in the legal settlement.
YNTJ and neither is your husband. He did everything he could to do what was best for the kids. I can guarantee you the only reason they are reaching out now is money. They have most likely spent this entire time either trash talking and telling them what a horrible person their father is. Secondly. he is no longer their father. He is a stranger. The fact that the aunt has them now, means she agreed with social services to take care of them. They are not going to just put them in foster care. There is a whole long process to go through for that to happen. Don't ask me how I know that, but I do. No his children didn't abandon him, but he didn't abandon them either. He was ostracized and forced out of their lives. Maybe, when they are adults they will willingly reach out. But until then, you are right to stand your ground.
YNTJ. And before you decide to return the car check with your state's DMV. Where I live, in these circumstances, you can do a forced title transfer and then she has no claim to the vehicle at all. Especially since it's been in your possession for 5 years. And I'd be highly skeptical of the claim that she is still paying on a car that's 14 yo when she bought a new one prior to "giving" you this one. Most car loans don't go past 7 years, and then only if you have perfect or near perfect credit.

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