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The Law & You

I Co-Signed a Loan for My Sister-in-Law But She Doesn’t Want to Pay. What Can I Do?

The Law & You
July 22, 2013

The Law and You

I Co-Signed a Loan for My Sister-in-Law But She Doesn’t Want to Pay. What Can I Do?

A viewer had co-signed a loan for her sister-in-law to go back to school. However, she now doesn’t want to pay the loan. Is there a way the viewer can get her to pay? Attorneys Greg Fellerman and Ed Ciarimboli offer legal options.

Dave Kuharchik: As always, don’t forget that results matter with our next guys, attorneys Greg Fellerman and Ed Ciarimboli from Fellerman and Ciarimboli in Kingston. Good to see you again.

Greg Fellerman and Ed Ciarimboli: Thanks for having us.

Dave: It’s time for “The Law & You,” of course, our question today involves a family loan, “I co-signed a loan for my sister-in-law to go back to school. She failed out and now does not want to pay. How can I make her pay it back?” Tough one.

Greg: Well, this is the problem when you get involved with family members, loaning money, and signing loans. The problem is you have a contract; You’re co-signed on that contract with your sister, so your going to be held responsible in trying to get your sister to pay. If she decides not to pay, good luck; If she doesn’t have to pay you’re going to be responsible.

Ed: This is a really unfortunate situation, but a lot of the times whenever someone is going back to school, the university or the school would want somebody to co-sign for that loan. They’ve already had problems before, and they want to make sure in the event they failed out, in this case, they’re going to get paid. It’s a tough thing, especially, you want to help. They’re family members, but at the end of the day, it really can affect you in a negative way. We would caution you, before you co-sign that lo an, to make sure that person is serious about going back to school and that you are going to be involved in their education. You can let them know that, “Hey if I’m making this investment in your education, then I expect to see your grades. I expect to see progress, and if things aren’t going well and are going off track, we’re going to sit down and have a meeting about it. I’m not going to put significant money-” We all know the cost of education is astronomical these days “-I’m not going to be putting that kind of money out in the event that you fail out of school, I’m responsible for it and that negatively effects my family as well.”

Dave: The bottom line is do not loan money to family. For our viewers who have questions, how can they get in touch with you?

Greg: They can see us at our web-site at Give us a call at the office at 570-714-4878

Ed: You can like us on Facebook. When you like us on Facebook, if you have a “Law & You” question, hopefully no one is loaning anymore money to family members type of questions because it never ends well, post it and we’ll do our best to answer it on the next “Law & You” segment.

Dave: They are attorneys Greg Fellerman and Ed Ciarimboli, of course results matter with them. We’ll see you guys again next time.

Greg and Ed: Thank you

Dave: Don’t forget to get your question here on “The Law & You.” Just head to

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The Law & You is a nightly feature on channels WBRE-TV 28 and WYOU-TV 22 where the attorneys from Fellerman & Ciarimboli answer legal questions. If you have a question that you want answered by the Law & You attorneys, please submit the form on this page or call the hotline at 1-888-570-HURT.

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