<p>作者：Quentin Fottrell</p>
<p>‘司机认为他应该获得 1500 美元的赔偿，因为他仍在为轮胎付款’</p>
<p>“两年后，这辆车出现了机械问题，亲属停止了付款。”（照片中的人物为模特。）</p>
<p>亲爱的 Quentin，</p>
<p>我的朋友为一个亲属共同签署了一笔购车贷款。这个亲属因为离婚经历了一段艰难时期，需要交通工具。与其购买一辆经济型汽车，他却从经销商那里买了一辆行驶了 16 万英里的 20 年老宝马，价格过高。据我了解，违约者支付了 2000 美元的首付，我的朋友为他共同签署了剩余的贷款。20 年的 3 系宝马可不算是一辆高价值的汽车。</p>
<p>‘与其购买一辆经济型汽车，他却从经销商那里买了一辆行驶了 16 万英里的 20 年老宝马，价格过高。’</p>
<p>两年后，这辆车出现了机械问题，亲属停止了付款。尚欠余额为 5000 美元。水泵坏了，车主可能因为开车过热而造成了进一步的损坏。贷款公司打电话给我的朋友，通知他贷款已违约。我参与其中是因为我对老车感兴趣，所以我把车从修理厂拖到我朋友家。他问我是否可以帮他更换水泵。</p>
<p>我对宝马一无所知，真的不想学习。我告诉他，最好的办法是还清贷款，以免损害他的信用，并把车卖掉，尽可能多地收回一些钱。司机认为他应该获得 1500 美元的赔偿，因为他仍在为轮胎付款；在车出现问题之前，他用信用卡购买了一套新轮胎。他现在要求付款。我认为我的朋友不欠他任何东西。</p>
<p>由于这辆车过热，即使安装了新的水泵，可能也已经造成了进一步的损坏。该怎么办？</p>
<p>朋友</p>
<p>不要错过：‘我们是熟人，不是朋友’：我的邻居在一场火灾后需要一个住处。我该说是吗？</p>
<p>您可以通过电子邮件将任何财务和道德问题发送给 The Moneyist，邮箱地址为 qfottrell@marketwatch.com。The Moneyist 遗憾地无法单独回复问题。</p>
<p>当然，您问题的答案是告诉这个借用他人资金和违约的汽车贷款者骑上他的自行车，开始骑行。</p>
<p>亲爱的朋友，</p>
<p>这辆车的旅程可能已经结束，或许这段友谊也一样。</p>
<p>与贷款方谈谈现金和解，并计划在 eBay（EBAY）或 Facebook Marketplace（META）上出售这辆车，或者安排贷款方收回车辆。一辆行驶了 16 万英里的 20 年老宝马，发动机过热，可能会耗费更多的钱，而没有任何回报。</p>
<p>考虑到您的购车者最近的财务和个人困境，共同签署汽车贷款是一个很大的风险。司机违约的事实也并不意外。这一切从一开始就可以预见。遗憾的是，这位宝马司机，那个接受了亲属如此慷慨帮助的人，想要从一个好心的共同签署人那里获得 1500 美元的赔偿。</p>
<p>残酷的现实是，当您的朋友共同签署这笔贷款时，他同意在借款人无法或不愿意付款时介入。贷款方并不关心后座的戏剧，只想要得到补偿。您的朋友共同签署了贷款；他的亲属为新轮胎付款。他们都需要学习关于财务和法律界限的教训，以及他们的行为会带来后果。</p>
<p>与此同时，您的朋友应该检查这辆车是否值得修理，并了解更多关于收回过程的信息。允许贷款方收回车辆是一个选择。也许您的朋友可以与贷款方谈判达成和解。</p>
<p>遗憾的是，这位宝马司机，那个接受了亲属如此慷慨帮助的人，想要从一个好心的共同签署人那里获得 1500 美元的赔偿。</p>
<p>然而，您的朋友的亲属和您的朋友作为共同签署人，可能也会在法律上对违约负责。在许多州，贷款方在拍卖出售汽车后，仍然可以对借款人和共同签署人获得 “缺口判决”。即使在收回后，您的朋友也可能会欠 3000 到 4000 美元。</p>
<p>直言不讳地说：（1.）当您的朋友共同签署贷款时，他同意在主要借款人无法或不愿意付款时负责。（2.）这辆车有机械问题，可能因过热而受损，但这可能只是问题的开始。（3.）轮胎是一个红鲱鱼；它们是汽车当前价值的一部分，并不是可以（或应该）单独报销的资产。</p>
<p>我建议您的朋友与他的亲属面对面交谈（而不是通过电子邮件或短信）。告诉他：“你选择为你的车购买新轮胎，这是你做出的投资，作为你贷款的共同签署人，我对此费用不负责。贷款现在已违约。这是你的责任。因此，我想保护我的信用，并尽可能无痛地解决这个问题。这对我们俩来说都很沮丧。话虽如此，我们现在需要谈谈将车交给贷款方。”</p>
<p>一个更严厉的批评者可能会认为，您的朋友的亲属本可以选择一辆更便宜的车，购买一辆在他预算范围内的车辆，而不需要请朋友共同签署他的贷款。您的朋友在共同签署贷款时，已经学到了一个关于将自己的信用评级置于风险之中的宝贵教训。这种恩惠很少有好的结果。他需要尽快解决这个问题，以便继续他的生活。</p>
<p>在您的朋友卖掉车后，他需要进行一些自我反思。他是这件事情的自愿参与者。他为什么会同意这个共同签署的请求？如果他能将这些问题的答案付诸实践，这将是一个在慷慨与帮助朋友或亲属与生活的残酷现实之间取得平衡的宝贵教训。</p>
<p>相关：我和朋友共进午餐。当账单到达时，她说：‘非常感谢你付款！’ 我是不是被当成傻瓜了？</p>
<p>不要错过：我得了早期阿尔茨海默病，我丈夫患有四期肾病。我们刚继承了 50,000 美元。接下来该怎么办？</p>
<p>Quentin Fottrell 之前的专栏：</p>
<p>‘我们没有婚前协议’：如果我把钱转到我的退休账户，我的妻子能否拿走我的钱？</p>
<p>我该如何放下对我富有但无助的兄弟的怨恨？</p>
<p>我女儿有 50 万美元的医学院费用。我和我的妻子能负担得起吗？</p>
<p>请查看 Moneyist 私人 Facebook 群组，我们在这里寻找生活中最棘手的财务问题的答案。发布您的问题或对最新的 Moneyist 专栏发表看法。</p>
<p>通过向道琼斯公司提交您的故事，您理解并同意我们可以在所有媒体和平台上使用您的故事或其版本。</p>
<p>-Quentin Fottrell</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和《华尔街日报》发布。</p>
<p>（结束）道琼斯新闻通讯</p>
<p>11-29-25 1305ET</p>

宝马

BMWYY

<p>一位朋友为亲属共同签署了一笔贷款，以购买一辆 20 年的宝马，后来该车出现了机械故障。亲属违约，导致双方共同承担 5,000 美元的债务。建议朋友与贷款方协商现金和解，或允许收回车辆。亲属要求 1,500 美元用于轮胎，但朋友并没有义务支付。双方都面临潜在的法律和财务后果</p>

<p>By Quentin Fottrell</p>
<div class="lb-trans"><p>作者：Quentin Fottrell</p>
</div><p>'The driver thinks he should be compensated $1,500 for the tires he's still paying for'</p>
<div class="lb-trans"><p>‘司机认为他应该获得 1500 美元的赔偿，因为他仍在为轮胎付款’</p>
</div><p>&#34;Two years later, the car had mechanical problems and the relative quit paying for it.&#34; (Photo subject is a model.)</p>
<div class="lb-trans"><p>“两年后，这辆车出现了机械问题，亲属停止了付款。”（照片中的人物为模特。）</p>
</div><p>Dear Quentin,</p>
<div class="lb-trans"><p>亲爱的 Quentin，</p>
</div><p>My friend cosigned a loan for a relative to buy a car. The relative had gone through a rough time due to a divorce and needed transportation. Rather than buy a budget car, he bought a 20-year-old BMW with 160,000 miles on it from a dealer, paying too much. It's my understanding that the defaulter put down $2,000 and my friend cosigned for him to borrow the rest. A 20-year-old Series 3 BMW isn't exactly a high-value car.</p>
<div class="lb-trans"><p>我的朋友为一个亲属共同签署了一笔购车贷款。这个亲属因为离婚经历了一段艰难时期，需要交通工具。与其购买一辆经济型汽车，他却从经销商那里买了一辆行驶了 16 万英里的 20 年老宝马，价格过高。据我了解，违约者支付了 2000 美元的首付，我的朋友为他共同签署了剩余的贷款。20 年的 3 系宝马可不算是一辆高价值的汽车。</p>
</div><p>'Rather than buy a budget car, he bought a 20-year-old BMW with 160,000 miles on it from a dealer, paying too much.'</p>
<div class="lb-trans"><p>‘与其购买一辆经济型汽车，他却从经销商那里买了一辆行驶了 16 万英里的 20 年老宝马，价格过高。’</p>
</div><p>Two years later, the car had mechanical problems and the relative quit paying for it. The balance owed is $5,000. The water pump went out, and the owner may have caused further damage by driving the car hot. The loan company called my friend to inform him the loan was in default. I got involved because I'm into older cars, so I towed it from the shop where it was sitting to my friend's house. He asked me if I could help him replace the water pump.</p>
<div class="lb-trans"><p>两年后，这辆车出现了机械问题，亲属停止了付款。尚欠余额为 5000 美元。水泵坏了，车主可能因为开车过热而造成了进一步的损坏。贷款公司打电话给我的朋友，通知他贷款已违约。我参与其中是因为我对老车感兴趣，所以我把车从修理厂拖到我朋友家。他问我是否可以帮他更换水泵。</p>
</div><p>I don't know a thing about BMWs, and I really don't want to learn. I told him the best thing to do is to pay off the loan so he doesn't damage his credit and sell the car for whatever he can get for it. The driver thinks he should be compensated $1,500 for the tires he's still paying for; before the car developed issues, he bought a new set of tires (on a credit card). He is now demanding payment. I don't think my friend owes him anything.</p>
<div class="lb-trans"><p>我对宝马一无所知，真的不想学习。我告诉他，最好的办法是还清贷款，以免损害他的信用，并把车卖掉，尽可能多地收回一些钱。司机认为他应该获得 1500 美元的赔偿，因为他仍在为轮胎付款；在车出现问题之前，他用信用卡购买了一套新轮胎。他现在要求付款。我认为我的朋友不欠他任何东西。</p>
</div><p>Since the car was run hot, even if a new water pump is installed, further damage may have been done. What can be done?</p>
<div class="lb-trans"><p>由于这辆车过热，即使安装了新的水泵，可能也已经造成了进一步的损坏。该怎么办？</p>
</div><p>The Friend</p>
<div class="lb-trans"><p>朋友</p>
</div><p>Don't miss: 'We are acquaintances, not friends': My neighbors need somewhere to stay after a house fire. Do I say yes?</p>
<div class="lb-trans"><p>不要错过：‘我们是熟人，不是朋友’：我的邻居在一场火灾后需要一个住处。我该说是吗？</p>
</div><p>You can email The Moneyist with any financial and ethical questions at qfottrell@marketwatch.com. The Moneyist regrets he cannot reply to questions individually.</p>
<div class="lb-trans"><p>您可以通过电子邮件将任何财务和道德问题发送给 The Moneyist，邮箱地址为 qfottrell@marketwatch.com。The Moneyist 遗憾地无法单独回复问题。</p>
</div><p>The answer to your question, of course, is to tell this borrower of other people's money and defaulter of auto loans to get on his bike and start cycling.</p>
<div class="lb-trans"><p>当然，您问题的答案是告诉这个借用他人资金和违约的汽车贷款者骑上他的自行车，开始骑行。</p>
</div><p>Dear Friend,</p>
<div class="lb-trans"><p>亲爱的朋友，</p>
</div><p>It's the end of the road for this car and, possibly, this friendship.</p>
<div class="lb-trans"><p>这辆车的旅程可能已经结束，或许这段友谊也一样。</p>
</div><p>Talk to the lender about a cash settlement, and aim to sell the car on eBay (EBAY) or Facebook Marketplace (META), or arrange for the lender to repossess the vehicle. A 20-year-old BMW with 160,000 miles with an engine that has overheated is likely going to soak up more money, with no return.</p>
<div class="lb-trans"><p>与贷款方谈谈现金和解，并计划在 eBay（EBAY）或 Facebook Marketplace（META）上出售这辆车，或者安排贷款方收回车辆。一辆行驶了 16 万英里的 20 年老宝马，发动机过热，可能会耗费更多的钱，而没有任何回报。</p>
</div><p>Cosigning the auto loan was a big risk considering your carbuyer's recent financial and personal woes. Nor was it the fact that the driver of the car then defaulted on that loan. All of that could have been predicted from Day 1. It's unfortunate that the driver of this BMW, the person who accepted such largesse from his relative, wants to be paid $1,500 from a friend who kindly cosigned his loan.</p>
<div class="lb-trans"><p>考虑到您的购车者最近的财务和个人困境，共同签署汽车贷款是一个很大的风险。司机违约的事实也并不意外。这一切从一开始就可以预见。遗憾的是，这位宝马司机，那个接受了亲属如此慷慨帮助的人，想要从一个好心的共同签署人那里获得 1500 美元的赔偿。</p>
</div><p>The harsh reality is when your friend cosigned this loan, he agreed to step in if the borrower could not or would not pay. The lender does not care about the backseat drama, it only wants to be made whole. Your friend cosigned the loan; his relative paid for new tires. They both have lessons to learn about financial and legal boundaries, and that their actions have consequences.</p>
<div class="lb-trans"><p>残酷的现实是，当您的朋友共同签署这笔贷款时，他同意在借款人无法或不愿意付款时介入。贷款方并不关心后座的戏剧，只想要得到补偿。您的朋友共同签署了贷款；他的亲属为新轮胎付款。他们都需要学习关于财务和法律界限的教训，以及他们的行为会带来后果。</p>
</div><p>In the meantime, your friend should check whether the car is even worth fixing and find out more about the repossession process. Allowing the lender to repossess the vehicle is one option. It may be that your friend can negotiate a settlement with the lender.</p>
<div class="lb-trans"><p>与此同时，您的朋友应该检查这辆车是否值得修理，并了解更多关于收回过程的信息。允许贷款方收回车辆是一个选择。也许您的朋友可以与贷款方谈判达成和解。</p>
</div><p>It's unfortunate that the driver of this BMW, the person who accepted such largesse from his relative, wants to be paid $1,500 from a friend who kindly cosigned his loan.</p>
<div class="lb-trans"><p>遗憾的是，这位宝马司机，那个接受了亲属如此慷慨帮助的人，想要从一个好心的共同签署人那里获得 1500 美元的赔偿。</p>
</div><p>However, your friend's relative and your friend, as a cosigner, may also be held legally responsible for the default. In many states the lender can still obtain a &#34;deficiency judgment&#34; against both borrower and cosigner after they sell the car at auction. Your friend could easily end up owing $3,000-$4,000 even after a repo.</p>
<div class="lb-trans"><p>然而，您的朋友的亲属和您的朋友作为共同签署人，可能也会在法律上对违约负责。在许多州，贷款方在拍卖出售汽车后，仍然可以对借款人和共同签署人获得 “缺口判决”。即使在收回后，您的朋友也可能会欠 3000 到 4000 美元。</p>
</div><p>Put bluntly: (1.) When your friend cosigned the loan, he agreed to be responsible for the payments if the primary borrower is unable or unwilling to make them. (2.) The car has mechanical problems and may have been damaged by overheating, but this may be just the beginning of the issues. And (3.) The tires are a red herring; they form part of the car's current value, and do not consist of a separate asset that can (or should) be reimbursed independently.</p>
<div class="lb-trans"><p>直言不讳地说：（1.）当您的朋友共同签署贷款时，他同意在主要借款人无法或不愿意付款时负责。（2.）这辆车有机械问题，可能因过热而受损，但这可能只是问题的开始。（3.）轮胎是一个红鲱鱼；它们是汽车当前价值的一部分，并不是可以（或应该）单独报销的资产。</p>
</div><p>I suggest your friend talk to his relative (rather than email or text). Tell him: &#34;You chose to buy new tires for your car, and that was an investment you made and as a cosigner on your loan, I am not responsible for this cost. The loan is now in default. That was your responsibility. As a result, I want to protect my credit and resolve this as painlessly as possible. This is frustrating for both of us. That said, we now need to talk about surrendering the car to the lender.&#34;</p>
<div class="lb-trans"><p>我建议您的朋友与他的亲属面对面交谈（而不是通过电子邮件或短信）。告诉他：“你选择为你的车购买新轮胎，这是你做出的投资，作为你贷款的共同签署人，我对此费用不负责。贷款现在已违约。这是你的责任。因此，我想保护我的信用，并尽可能无痛地解决这个问题。这对我们俩来说都很沮丧。话虽如此，我们现在需要谈谈将车交给贷款方。”</p>
</div><p>A harsher critic might argue that your friend's relative could have chosen a cheaper car, and bought a vehicle within his budget - without asking a friend to cosign his loan. Your friend has learned a valuable lesson about putting his own credit rating on the line by cosigning a loan. Favors like this rarely end well. He needs to resolve this situation as soon as possible, so he can move on with his life.</p>
<div class="lb-trans"><p>一个更严厉的批评者可能会认为，您的朋友的亲属本可以选择一辆更便宜的车，购买一辆在他预算范围内的车辆，而不需要请朋友共同签署他的贷款。您的朋友在共同签署贷款时，已经学到了一个关于将自己的信用评级置于风险之中的宝贵教训。这种恩惠很少有好的结果。他需要尽快解决这个问题，以便继续他的生活。</p>
</div><p>After your friend has sold the car, he has some soul-searching to do. He was a willing participant in this affair. Why did he say yes to this request to be a cosigner? If he can put the answers to those questions into practice, this will be a small price to pay for a lesson in balancing generosity and a willingness to help a friend or relative with the harsher realities of life.</p>
<div class="lb-trans"><p>在您的朋友卖掉车后，他需要进行一些自我反思。他是这件事情的自愿参与者。他为什么会同意这个共同签署的请求？如果他能将这些问题的答案付诸实践，这将是一个在慷慨与帮助朋友或亲属与生活的残酷现实之间取得平衡的宝贵教训。</p>
</div><p>Related: I met a friend for lunch. When the check arrived, she said, 'Thank you so much for paying!' Was I taken for a fool?</p>
<div class="lb-trans"><p>相关：我和朋友共进午餐。当账单到达时，她说：‘非常感谢你付款！’ 我是不是被当成傻瓜了？</p>
</div><p>Don't miss: I have early Alzheimer's and my husband has stage 4 kidney disease. We just inherited $50,000. What now?</p>
<div class="lb-trans"><p>不要错过：我得了早期阿尔茨海默病，我丈夫患有四期肾病。我们刚继承了 50,000 美元。接下来该怎么办？</p>
</div><p>Previous columns by Quentin Fottrell:</p>
<div class="lb-trans"><p>Quentin Fottrell 之前的专栏：</p>
</div><p>'We have no prenuptial agreement': Will my wife be able to take my money if I transfer it to my retirement account?</p>
<div class="lb-trans"><p>‘我们没有婚前协议’：如果我把钱转到我的退休账户，我的妻子能否拿走我的钱？</p>
</div><p>How do I let go of the resentment I feel towards my wealthy, unhelpful brother?</p>
<div class="lb-trans"><p>我该如何放下对我富有但无助的兄弟的怨恨？</p>
</div><p>My daughter has $500K in med-school expenses. Can my wife and I afford to pay it off?</p>
<div class="lb-trans"><p>我女儿有 50 万美元的医学院费用。我和我的妻子能负担得起吗？</p>
</div><p>Check out the Moneyist private Facebook group, where we look for answers to life's thorniest money issues. Post your questions or weigh in on the latest Moneyist columns.</p>
<div class="lb-trans"><p>请查看 Moneyist 私人 Facebook 群组，我们在这里寻找生活中最棘手的财务问题的答案。发布您的问题或对最新的 Moneyist 专栏发表看法。</p>
</div><p>By submitting your story to Dow Jones &amp; Co., the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms.</p>
<div class="lb-trans"><p>通过向道琼斯公司提交您的故事，您理解并同意我们可以在所有媒体和平台上使用您的故事或其版本。</p>
</div><p>-Quentin Fottrell</p>
<div class="lb-trans"><p>-Quentin Fottrell</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 独立于道琼斯新闻通讯和《华尔街日报》发布。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（结束）道琼斯新闻通讯</p>
</div><p>11-29-25 1305ET</p>
<div class="lb-trans"><p>11-29-25 1305ET</p>
</div>

我的朋友为一辆宝马的贷款做了担保，但驾驶者违约了。他们两人都需要承担 5000 美元的责任。接下来会发生什么？