We have talked. Sadly, in my family, talking doesn't amount to much. At the same time, talking about it anymore only loses us ground.

That's why I send her the reminders every month. Guess that's really the best I can do for now. My loans are nearly paid off. 1 to 2 years.

I was hoping for something faster so I could focus on those, but I guess it just doesn't exist.

It's a rough situation, but I really appreciate you taking the time to give your insight. Overall, it did teach me a huge lesson 🤪

I've heard there's some benefits to leasing versus financing, but I'll take your word for that. Either way. Can't get rid of the cars, and they aren't the problem anyway.

And I get the excuses thing. I am trying to salvage a situation without alienating family or losing entirely what I have built for myself. It'd be easier if I could just pass off her portion to her and get it off my accounts, but outside of legal action, I don't see that happening.

I was hoping for some option that would do anything similar to that but I guess there just isn't anything.

Thanks for your advice. It is good advice I just can't force it on her and that's the issue 😞

Yeah. I figured. If I could, I'd just file bankruptcy and start rebuilding myself.

I make $66k to $70k with 2 jobs. She's on contract right now for $130k, so technically speaking, she could pay it off in a year.

It'd be great if I could just push her portion on to her and be done with it.

I have a budget for myself. The vehicles pay for themselves, but if I were more on the ball, I would have leased instead of financed. But when it was just me, none of this was an issue.

I send my sister a detailed email every month with what she needs to pay on what's owed. But I also can't force her to pay anything more than what she does.

I was hoping she could get a heloc to pay off her portion so I could remove her from the accounts, but she doesn't have the credit score, and mine has now tanked so debt relief seems to be my only option.

We won't default or anything like that, but we also aren't making real progress.

We don't use the cards anymore. She pays a bit over the minimum but not minimum plus interest charges, which keeps our balance high. If I take her off, there is a chance that she will just stop paying, but I did take her cards for my accounts away.

I can't sell either of my vehicles since I need them both for work. The only reason they are even under my name is cause I was an idiot and didn't put them under my business.

Mostly, I am looking for debt relief solutions. I know American Debt Relief can help, but since the majority of the debt isn't mine, it is difficult to find anything.

Trying to keep my sister on a budget is like trying to herd cats.

The road to hell really is paved with good intentions I guess 🙄