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Dude, I know you want to be there for your mom (and your dad) but really, I hate to put it so bluntly but... you have to realize, this is not your problem.
On the relationship side;
1. Their marriage is their problem. Their divorce was not your responsibility therefore you owe either of your parents nothing; especially getting into debt for a piece of property for someone; a debt that you may not even want to begin with.
On the financial side:
2. Your mom shouldn't be buying things that she can't afford. Simple as that; and she shouldn't be using you; your finances; your credit to convince you that her wants, and your best interest are somehow conveniently parrallel.
All in all, should you decide to decline this favour to your mother, I can assure you that this DOES NOT make you a bad son. I can also assure you that if ANY parent, holds this against their own child, it is THEY who is the bad parent. So really, this problem is not on you.
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