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I think my sister is becoming a scam artist because of the current boyfriend that she may or may nor marry. Two weeks ago, I learned that she was trying to get her credit established. She's 28, living in Hawaii, and she has no credit to even get a simple credit card. She's graduated from college, but holds a crap job because her boyfriend does not want to leave Hawaii where he is from. He used to be in a gang and did some stuff, and my sister thinks that's hot.
Anyway, she tells me that out of six tries, nobody will give her credit and she wanted to buy something for $400 on the internet. A week later, she tells my wife that she needs dental work, and is trying to get a credit card to pay the bill.
Today she called me to ask if I would co-sign for her so she could get a personal loan, because dad will not do it. The loan is for $1500. I told her I could not, because I could not make good on $1500 right now, and that to co-sign would be to put my own credit in jeopordy for 7 years if she defaulted just once. I told her it would be better to just loan her the money for the dentist, if that is what she really needed. Yet she could not tell me what the dental bill would come out to be. I asked her about the $400 thing she wanted to buy online and she acted like she never said that. She also tried to justify the need for the entire $1500, but her story was not as "practiced" as the initial part of the phone call was. I guess I hit her with questions she had not rehearsed yet.
I totally do not believe her. I think that she actually does need one tooth taken care of at the dentist, but I am sure that her bill is less than she is letting on, and she's just looking for some Christmas money so as to buy her boyfriend some junk.
She owes my mom hundreds of dollars that she denies is owed, and she does not make enough money to support herself. I mean the girl is 28 and has not even established a good credit with anyone!
It bothers me so much that she is wasting her life away, but for her to call me and start hoping to play the "family" card makes me mad because I have my own children to worry about. I cannot put my own family in more debt to cover her's, especially if I do not trust that the debt is legit.
So IW...tell me what you think of this. Should I continue as I am, and just tell my sister that I cannot help her, or am I betraying a family tie that binds me to helping my sibling and not questioning her motives?
I feel really lost about this, because there is something of a guilt seed there...but it is small.
What do you think?
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