I'm behind on my car payment and the car company called my folks house instead of mine. My mother is not happy. I've already may arrangement s to pay off the past due amount, but my mom called me this morning demanding that Jay, my boyfriend, and I go over to their House tonight to disccuss finances. I reallly don't want to and I KNOW Jay would rather lick a toilet seat than go. How do I respect my parents and be a "grown up" at the same time? I know I frigged up by not having the payment done on time but what do I tell my parents? ( If it matteres I'm 23 and Jay is 29)
2006-08-05 03:17:38 · 8 answers · asked by Anonymous in Family & Relationships ➔ Family
My dad was the co-signer, and i know i disappointeed them by not having the payment done on time, but what can i say besides i'm sorry?
2006-08-05 03:43:34 · update #1
Keep in mind, your parents really do have your best interest in mind. Wish I would have had that!
Have you explained that the past and present payments are currently under controlled. Tell them you really appreciate the concern but, think everything is undercontrol. Maybe let them know that you will make sure this won't happen again.
Here's the thing, you used them as a co-signer or something. If this is the case, you're failure reflects on their credit history. They have the right to explain their expectations, and Ithink you should show them respect by listening.
If you didn't want this to happen, you would have never put them on your paperwork.
2006-08-05 03:27:40 · answer #1 · answered by Anonymous · 3⤊ 0⤋
Your dad co-signed that makes you obligated to listen to another lecture. But, hey, what's one more, huh? (HA HA)
Two questions: Is your parents good with finances, are they responsible? Did you not have money due to extras? (Can't tell you long it took to get me out of that habit!)
What to do: Ask Jay to come for the support, but if he doesn't you understand. Tell parents that it uncomfortable for both sides and Jay wouldn't be coming, but you're willing to discuss the situation. If your parents are good with their finances, suck down your pride (a little) take your bills, budget, and discuss it with them. They might be able to give some helpful advice. If not, at least have a solution ready. "I made a mistake as most people do just starting out. This is how I plan on "fixing" the problem. Show them that you care about it, and that you are trying to get better. I think if you show them you have a well laid out plan, they'll be understanding. GOOD LUCK!
2006-08-05 04:17:50 · answer #2 · answered by penagian 2 · 0⤊ 0⤋
if your parents are not on the loan or co-signers, then you just need to tell them you're a big girl and you'll figure it out.....you can't go and ask for help at other times....you really have to take responsibility for all your actions, no matter how badly you want to ask for help or accept their help....i had to do this w/ my mom, and she finally realized that i was a grown up and hopefully she raised me right and i would make the right decisions in life....good luck, i know this is a touch subject 'cuz you don't want to hurt any ones feelings......
2006-08-05 03:28:26 · answer #3 · answered by kalie s 2 · 0⤊ 0⤋
If the car loan is co-signed by your mother, you need to have a talk with her because you're risking her credit score as well as your own by being late with the payment(s).
If she did not co-sign the loan, you respectfully tell your mother that you are an adult and, while you appreciate that she cares, your finances are your business.
2006-08-05 03:27:13 · answer #4 · answered by Avid 5 · 1⤊ 0⤋
Go ahead and talk to them. Tell them that you messed up and let them know the steps you have taken to correct it. I know it is horrible to have to do that, but you are stuck with it since your Dad is your co-signer. They may be able to help some too.
Good luck to you.
2006-08-05 04:36:10 · answer #5 · answered by Patti C 7 · 0⤊ 0⤋
Dad is co-signer, this could cost him $$$$$ and credit rating. I would be pissed as hell. Leave the boyfriend at home. Go see Dad and fix the problem NOW!!!!!
2006-08-05 05:34:53 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Call your mom and tell her that you have everything under control......If you are 23 and Jay is 29, your parents have no business being in your affairs, unless they cosigned for the car loan.........Tell mom you are sorry, but you have made plans for this evening and won't be able to attend their meeting.........Take care, and stop letting mom tell you what to do.........
2006-08-05 03:27:13 · answer #7 · answered by mizzzzthang 6 · 0⤊ 1⤋
you are both adults you dont need to be under your parents wings. talk to them over the phone so you and your parents are meeting half way.
2006-08-05 03:32:44 · answer #8 · answered by party_2_hearty 6 · 0⤊ 0⤋