<p>作者：Quentin Fottrell</p>
<p>‘司機認為他應該獲得 1500 美元的賠償，因為他仍在為輪胎付款’</p>
<p>“兩年後，這輛車出現了機械問題，親屬停止了付款。”（照片中的人物為模特。）</p>
<p>親愛的 Quentin，</p>
<p>我的朋友為一個親屬共同簽署了一筆購車貸款。這個親屬因為離婚經歷了一段艱難時期，需要交通工具。與其購買一輛經濟型汽車，他卻從經銷商那裏買了一輛行駛了 16 萬英里的 20 年老寶馬，價格過高。據我瞭解，違約者支付了 2000 美元的首付，我的朋友為他共同簽署了剩餘的貸款。20 年的 3 系寶馬可不算是一輛高價值的汽車。</p>
<p>‘與其購買一輛經濟型汽車，他卻從經銷商那裏買了一輛行駛了 16 萬英里的 20 年老寶馬，價格過高。’</p>
<p>兩年後，這輛車出現了機械問題，親屬停止了付款。尚欠餘額為 5000 美元。水泵壞了，車主可能因為開車過熱而造成了進一步的損壞。貸款公司打電話給我的朋友，通知他貸款已違約。我參與其中是因為我對老車感興趣，所以我把車從修理廠拖到我朋友家。他問我是否可以幫他更換水泵。</p>
<p>我對寶馬一無所知，真的不想學習。我告訴他，最好的辦法是還清貸款，以免損害他的信用，並把車賣掉，儘可能多地收回一些錢。司機認為他應該獲得 1500 美元的賠償，因為他仍在為輪胎付款；在車出現問題之前，他用信用卡購買了一套新輪胎。他現在要求付款。我認為我的朋友不欠他任何東西。</p>
<p>由於這輛車過熱，即使安裝了新的水泵，可能也已經造成了進一步的損壞。該怎麼辦？</p>
<p>朋友</p>
<p>不要錯過：‘我們是熟人，不是朋友’：我的鄰居在一場火災後需要一個住處。我該説是嗎？</p>
<p>您可以通過電子郵件將任何財務和道德問題發送給 The Moneyist，郵箱地址為 qfottrell@marketwatch.com。The Moneyist 遺憾地無法單獨回覆問題。</p>
<p>當然，您問題的答案是告訴這個借用他人資金和違約的汽車貸款者騎上他的自行車，開始騎行。</p>
<p>親愛的朋友，</p>
<p>這輛車的旅程可能已經結束，或許這段友誼也一樣。</p>
<p>與貸款方談談現金和解，並計劃在 eBay（EBAY）或 Facebook Marketplace（META）上出售這輛車，或者安排貸款方收回車輛。一輛行駛了 16 萬英里的 20 年老寶馬，發動機過熱，可能會耗費更多的錢，而沒有任何回報。</p>
<p>考慮到您的購車者最近的財務和個人困境，共同簽署汽車貸款是一個很大的風險。司機違約的事實也並不意外。這一切從一開始就可以預見。遺憾的是，這位寶馬司機，那個接受了親屬如此慷慨幫助的人，想要從一個好心的共同簽署人那裏獲得 1500 美元的賠償。</p>
<p>殘酷的現實是，當您的朋友共同簽署這筆貸款時，他同意在借款人無法或不願意付款時介入。貸款方並不關心後座的戲劇，只想要得到補償。您的朋友共同簽署了貸款；他的親屬為新輪胎付款。他們都需要學習關於財務和法律界限的教訓，以及他們的行為會帶來後果。</p>
<p>與此同時，您的朋友應該檢查這輛車是否值得修理，並瞭解更多關於收回過程的信息。允許貸款方收回車輛是一個選擇。也許您的朋友可以與貸款方談判達成和解。</p>
<p>遺憾的是，這位寶馬司機，那個接受了親屬如此慷慨幫助的人，想要從一個好心的共同簽署人那裏獲得 1500 美元的賠償。</p>
<p>然而，您的朋友的親屬和您的朋友作為共同簽署人，可能也會在法律上對違約負責。在許多州，貸款方在拍賣出售汽車後，仍然可以對借款人和共同簽署人獲得 “缺口判決”。即使在收回後，您的朋友也可能會欠 3000 到 4000 美元。</p>
<p>直言不諱地説：（1.）當您的朋友共同簽署貸款時，他同意在主要借款人無法或不願意付款時負責。（2.）這輛車有機械問題，可能因過熱而受損，但這可能只是問題的開始。（3.）輪胎是一個紅鯡魚；它們是汽車當前價值的一部分，並不是可以（或應該）單獨報銷的資產。</p>
<p>我建議您的朋友與他的親屬面對面交談（而不是通過電子郵件或短信）。告訴他：“你選擇為你的車購買新輪胎，這是你做出的投資，作為你貸款的共同簽署人，我對此費用不負責。貸款現在已違約。這是你的責任。因此，我想保護我的信用，並儘可能無痛地解決這個問題。這對我們倆來説都很沮喪。話雖如此，我們現在需要談談將車交給貸款方。”</p>
<p>一個更嚴厲的批評者可能會認為，您的朋友的親屬本可以選擇一輛更便宜的車，購買一輛在他預算範圍內的車輛，而不需要請朋友共同簽署他的貸款。您的朋友在共同簽署貸款時，已經學到了一個關於將自己的信用評級置於風險之中的寶貴教訓。這種恩惠很少有好的結果。他需要儘快解決這個問題，以便繼續他的生活。</p>
<p>在您的朋友賣掉車後，他需要進行一些自我反思。他是這件事情的自願參與者。他為什麼會同意這個共同簽署的請求？如果他能將這些問題的答案付諸實踐，這將是一個在慷慨與幫助朋友或親屬與生活的殘酷現實之間取得平衡的寶貴教訓。</p>
<p>相關：我和朋友共進午餐。當賬單到達時，她説：‘非常感謝你付款！’ 我是不是被當成傻瓜了？</p>
<p>不要錯過：我得了早期阿爾茨海默病，我丈夫患有四期腎病。我們剛繼承了 50,000 美元。接下來該怎麼辦？</p>
<p>Quentin Fottrell 之前的專欄：</p>
<p>‘我們沒有婚前協議’：如果我把錢轉到我的退休賬户，我的妻子能否拿走我的錢？</p>
<p>我該如何放下對我富有但無助的兄弟的怨恨？</p>
<p>我女兒有 50 萬美元的醫學院費用。我和我的妻子能負擔得起嗎？</p>
<p>請查看 Moneyist 私人 Facebook 羣組，我們在這裏尋找生活中最棘手的財務問題的答案。發佈您的問題或對最新的 Moneyist 專欄發表看法。</p>
<p>通過向道瓊斯公司提交您的故事，您理解並同意我們可以在所有媒體和平台上使用您的故事或其版本。</p>
<p>-Quentin Fottrell</p>
<p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞通訊和《華爾街日報》發佈。</p>
<p>（結束）道瓊斯新聞通訊</p>
<p>11-29-25 1305ET</p>

寶馬

BMWYY

<p>一位朋友為親屬共同簽署了一筆貸款，以購買一輛 20 年的寶馬，後來該車出現了機械故障。親屬違約，導致雙方共同承擔 5,000 美元的債務。建議朋友與貸款方協商現金和解，或允許收回車輛。親屬要求 1,500 美元用於輪胎，但朋友並沒有義務支付。雙方都面臨潛在的法律和財務後果</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>‘司機認為他應該獲得 1500 美元的賠償，因為他仍在為輪胎付款’</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>“兩年後，這輛車出現了機械問題，親屬停止了付款。”（照片中的人物為模特。）</p>
</div><p>Dear Quentin,</p>
<div class="lb-trans"><p>親愛的 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>我的朋友為一個親屬共同簽署了一筆購車貸款。這個親屬因為離婚經歷了一段艱難時期，需要交通工具。與其購買一輛經濟型汽車，他卻從經銷商那裏買了一輛行駛了 16 萬英里的 20 年老寶馬，價格過高。據我瞭解，違約者支付了 2000 美元的首付，我的朋友為他共同簽署了剩餘的貸款。20 年的 3 系寶馬可不算是一輛高價值的汽車。</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>‘與其購買一輛經濟型汽車，他卻從經銷商那裏買了一輛行駛了 16 萬英里的 20 年老寶馬，價格過高。’</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>兩年後，這輛車出現了機械問題，親屬停止了付款。尚欠餘額為 5000 美元。水泵壞了，車主可能因為開車過熱而造成了進一步的損壞。貸款公司打電話給我的朋友，通知他貸款已違約。我參與其中是因為我對老車感興趣，所以我把車從修理廠拖到我朋友家。他問我是否可以幫他更換水泵。</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>我對寶馬一無所知，真的不想學習。我告訴他，最好的辦法是還清貸款，以免損害他的信用，並把車賣掉，儘可能多地收回一些錢。司機認為他應該獲得 1500 美元的賠償，因為他仍在為輪胎付款；在車出現問題之前，他用信用卡購買了一套新輪胎。他現在要求付款。我認為我的朋友不欠他任何東西。</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>由於這輛車過熱，即使安裝了新的水泵，可能也已經造成了進一步的損壞。該怎麼辦？</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>不要錯過：‘我們是熟人，不是朋友’：我的鄰居在一場火災後需要一個住處。我該説是嗎？</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>您可以通過電子郵件將任何財務和道德問題發送給 The Moneyist，郵箱地址為 qfottrell@marketwatch.com。The Moneyist 遺憾地無法單獨回覆問題。</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>當然，您問題的答案是告訴這個借用他人資金和違約的汽車貸款者騎上他的自行車，開始騎行。</p>
</div><p>Dear Friend,</p>
<div class="lb-trans"><p>親愛的朋友，</p>
</div><p>It's the end of the road for this car and, possibly, this friendship.</p>
<div class="lb-trans"><p>這輛車的旅程可能已經結束，或許這段友誼也一樣。</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>與貸款方談談現金和解，並計劃在 eBay（EBAY）或 Facebook Marketplace（META）上出售這輛車，或者安排貸款方收回車輛。一輛行駛了 16 萬英里的 20 年老寶馬，發動機過熱，可能會耗費更多的錢，而沒有任何回報。</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>考慮到您的購車者最近的財務和個人困境，共同簽署汽車貸款是一個很大的風險。司機違約的事實也並不意外。這一切從一開始就可以預見。遺憾的是，這位寶馬司機，那個接受了親屬如此慷慨幫助的人，想要從一個好心的共同簽署人那裏獲得 1500 美元的賠償。</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>殘酷的現實是，當您的朋友共同簽署這筆貸款時，他同意在借款人無法或不願意付款時介入。貸款方並不關心後座的戲劇，只想要得到補償。您的朋友共同簽署了貸款；他的親屬為新輪胎付款。他們都需要學習關於財務和法律界限的教訓，以及他們的行為會帶來後果。</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>與此同時，您的朋友應該檢查這輛車是否值得修理，並瞭解更多關於收回過程的信息。允許貸款方收回車輛是一個選擇。也許您的朋友可以與貸款方談判達成和解。</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>遺憾的是，這位寶馬司機，那個接受了親屬如此慷慨幫助的人，想要從一個好心的共同簽署人那裏獲得 1500 美元的賠償。</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，您的朋友的親屬和您的朋友作為共同簽署人，可能也會在法律上對違約負責。在許多州，貸款方在拍賣出售汽車後，仍然可以對借款人和共同簽署人獲得 “缺口判決”。即使在收回後，您的朋友也可能會欠 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>直言不諱地説：（1.）當您的朋友共同簽署貸款時，他同意在主要借款人無法或不願意付款時負責。（2.）這輛車有機械問題，可能因過熱而受損，但這可能只是問題的開始。（3.）輪胎是一個紅鯡魚；它們是汽車當前價值的一部分，並不是可以（或應該）單獨報銷的資產。</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>我建議您的朋友與他的親屬面對面交談（而不是通過電子郵件或短信）。告訴他：“你選擇為你的車購買新輪胎，這是你做出的投資，作為你貸款的共同簽署人，我對此費用不負責。貸款現在已違約。這是你的責任。因此，我想保護我的信用，並儘可能無痛地解決這個問題。這對我們倆來説都很沮喪。話雖如此，我們現在需要談談將車交給貸款方。”</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>一個更嚴厲的批評者可能會認為，您的朋友的親屬本可以選擇一輛更便宜的車，購買一輛在他預算範圍內的車輛，而不需要請朋友共同簽署他的貸款。您的朋友在共同簽署貸款時，已經學到了一個關於將自己的信用評級置於風險之中的寶貴教訓。這種恩惠很少有好的結果。他需要儘快解決這個問題，以便繼續他的生活。</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>在您的朋友賣掉車後，他需要進行一些自我反思。他是這件事情的自願參與者。他為什麼會同意這個共同簽署的請求？如果他能將這些問題的答案付諸實踐，這將是一個在慷慨與幫助朋友或親屬與生活的殘酷現實之間取得平衡的寶貴教訓。</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>相關：我和朋友共進午餐。當賬單到達時，她説：‘非常感謝你付款！’ 我是不是被當成傻瓜了？</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>不要錯過：我得了早期阿爾茨海默病，我丈夫患有四期腎病。我們剛繼承了 50,000 美元。接下來該怎麼辦？</p>
</div><p>Previous columns by Quentin Fottrell:</p>
<div class="lb-trans"><p>Quentin Fottrell 之前的專欄：</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>‘我們沒有婚前協議’：如果我把錢轉到我的退休賬户，我的妻子能否拿走我的錢？</p>
</div><p>How do I let go of the resentment I feel towards my wealthy, unhelpful brother?</p>
<div class="lb-trans"><p>我該如何放下對我富有但無助的兄弟的怨恨？</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>我女兒有 50 萬美元的醫學院費用。我和我的妻子能負擔得起嗎？</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>請查看 Moneyist 私人 Facebook 羣組，我們在這裏尋找生活中最棘手的財務問題的答案。發佈您的問題或對最新的 Moneyist 專欄發表看法。</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>通過向道瓊斯公司提交您的故事，您理解並同意我們可以在所有媒體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>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞通訊和《華爾街日報》發佈。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（結束）道瓊斯新聞通訊</p>
</div><p>11-29-25 1305ET</p>
<div class="lb-trans"><p>11-29-25 1305ET</p>
</div>

我的朋友為一輛寶馬的貸款做了擔保，但駕駛者違約了。他們兩人都需要承擔 5000 美元的責任。接下來會發生什麼？