Cosigning a loan

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What if you were asked to cosign a loan (agree to pay the loan in the event of fault) for a family member or friend? Would you do it? Before you give your answer, make sure you understand what cosigning involves. Under a Federal Trade Commission rule, creditors are required to give you a notice to help explain your obligations. The cosigner's notice says:

You are being asked to guarantee a debt. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept the responsibility.
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs.
The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record.
This notice is not the contract that makes you liable for the debt. (Depending on your state, this may not apply. If state law forbids a creditor from collecting from a cosigner without first trying to collect from the primary debtor, this sentence may be crossed out or omitted on your cosigner notice.)

What are the chances that the borrower will default? Some studies of certain types of lenders show that as many as three out of four cosigners are asked to repay the loan.

Despite the risks, there may be times when you decide to cosign. Perhaps your son or daughter needs a first time loan. The Better Business Bureau, along with the Federal Trade Commission recommends that you consider the following before you cosign.

Be sure you can afford to pay the loan. If you are asked to pay and you cannot, you could be sued or your credit rating could be damaged.
Before you cosign a loan, consider that even if you are not asked to repay the debt, your liability for this loan may keep you from getting other credit you may want or need.
Before you pledge property, such as your car or home, to secure the loan, make sure you understand the consequences.
Ask the lender to agree, in writing, to notify you if the borrower misses a payment. This will give you have time to deal with the problem or make back payments.
Obtain copies of important papers, such as the loan contract, the Truth-in-Lending Disclosure Statement, and any warranties if you are cosigning for a purchase. The lender is not required to give you these papers; you may have to get copies from the borrower.

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Bad credit personal loans are one of the most requested loans in the world. Although you might think home loans or auto loans would be requested more often, the truth is that personal loans, especially bad credit personal loans are high on the list. Because of this, there are many disreputable ways to lose money if you are looking for that type of loan, personal loan with bad credit. If your credit is good, you are less likely to get taken in......this is because there are so many reputable companies that offer personal loans for people with good credit.

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