He shut it down ok cool good, don’t worry then, ok I drunk text a week later and no reply. 2 weeks later I text him again and told him that I miss him and I need him to tell me to go if that’s what he wants. He replied saying it’s not going anywhere and it’s a waste of time.

“Do not be one of those who shakes hands in a pledge, one of those who is surety [ cosign ] for debts.” – Proverbs 22:26

'They told me if I didn't pay it before four o'clock, and this is like, 3:15, that they were going to shut my power off.' Stephen Bishop, 66, is furious he fell for an ongoing FP&L phone scam, but.
His friends hold a lot of power over him, so don’t be surprised if they end up sparking his interest in taking you back. Make more money than he does.

If you’ve ever had a situation where a friend or family member asked you to cosign a loan, you know it’s a tough spot to be in. On the one hand, you want to help. But the idea of being responsible for someone’s debt has you a little squeamish.

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Say “No” to them and it seems like you don’t care.

Say “Yes” to them and you are opening yourself up to financial risk.

Maybe as you thought about what to do, you should have considered asking this question: “What does God have to say about it? Would He want me to cosign for this loan?” It may never have occurred to you to seek advice from a higher power.

The truth is God talks a lot about money in the Bible. He even has advice about cosigning which really surprised me when I found it. For anyone really, the real world application is sound. But especially for people of faith, His advice is worth listening to.

God’s Advice on Whether to Cosign

The actual word “cosign” isn’t in the Bible unless you are reading a very modern day translation. Instead the word used is “surety.” Surety refers to the act or promise to assume the responsibility for paying the debt of another person if that person doesn’t repay the loan. So surety = cosign in the Bible.

When you cosign, you become the guarantor of the loan. In other words, you become a responsible party on the loan. Usually this is needed when the lender (a bank) has doubts as to whether the borrower will repay the loan. They require a third party (cosigner) – usually someone with solid financial history – to legally enter the contract as a back up to the borrower. This helps the lender reduce their risk of not getting paid back.

In practice, it could look like this example: your son wants to buy a new car but has a small down payment, no credit history and little monthly income. The lender sees the risk in granting him a loan based on his limited financial resources. They will loan him the money though if you, as the parent, cosign for your son.

If you choose to cosign, you will have legally gone into debt. You will also be responsible for the loan. Granted, your son is the first person responsible. However, the lender will come to you if he doesn’t pay. That’s the financial risk you take.

But even greater is the relationship risk if your son chooses not to pay. You don’t want your family relationship divided and irrevocably damaged over money.

So what’s the Bible’s take on this?

God did not have great things to say about cosigning. God told King Solomon to write this in Proverbs 22:26:

“Do not be one of those who shakes hands in a pledge, one of those who is surety for debts.”

That’s pretty straightforward. It’s also pretty much a command. And I love the imagery of the phrase “one of those.” Reading between the lines, you can just see Solomon rolling his eyes as if to say, “Don’t be one of those unfortunate people who made a bad choice.”

I actually think King Solomon may have been burnt as a cosigner. The Bible does describe him as the wealthiest man who ever lived. Can’t you see people lining up at his door looking for some financial backing? Perhaps in a moment of weakness he caved, became surety for someone and it backfired. We may never know but it seems at least possible he could be speaking from experience here.

But the Bible is not done yet. It has a lot more to say about this with some specific examples to support God’s command.

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But It’s a Friend, It’s Family

When you cosign, it puts you at risk in the present. It is the present risk you take that could have significant long-term consequences. That’s why God warned against it. In Proverbs 11:15 we read,

“He who is surety for a stranger will suffer, but one who hates being surety is secure.”

I’ll admit to being a bit confused when I first ran across this proverb. I can’t think of a single scenario where I would cosign a loan for someone I didn’t know. That makes no sense at all.

Evidently though, Solomon knew people that had done this (or maybe he himself had). He says those who choose to cosign for a stranger will suffer. If you avoid it though, you are secure.

“But,” you may be asking, “What if it’s for a friend, a really good friend who I’ve know for years? What is the risk in helping him or her out?”

God doesn’t think highly of this either. In Proverbs 17:18 we read,

“A man devoid of understanding shakes hands in a pledge, and becomes surety for his friend.”

Devoid of understanding is a great phrase. In other words, you are completely lacking in sense if you cosign even for a friend. Doesn’t matter how long you’ve known them or how close you are. It is to be avoided.

So no cosigning for a stranger. No cosigning for a friend. What about a family member? Did God say anything about that?

I can’t find a direct proverb that speaks to the family member issue. But there is an example that gives us a glimpse of the potential dangers if you choose to cosign for a family member. This can be seen in the Old Testament story of the life of Joseph.

Joseph, Judah and Benjamin

Through a series of remarkable events in Genesis 39-41, Joseph is taken from his home in Canaan as a boy and sold as a slave by his brothers into Egypt. He eventually rises to second in command of the kingdom because of his ability to interpret Pharaoh’s dreams. Joseph is put in charge of preparing Egypt for a massive seven-year famine that God revealed would soon come. The famine was so bad it affected the entire region.

When Joseph’s family ran out of food in nearby Canaan, they went to Egypt. They came before Joseph to purchase grain, but they didn’t recognize him because so many years had passed since they were separated. Joseph questioned them thoroughly, at one point even accusing them of being spies.

To prove they were not spies Joseph told them they could not purchase grain on any future trips unless they brought their younger brother Benjamin with them. Benjamin hadn’t made the first trip because his father Jacob was afraid something would happen to him.

The food the brothers returned home with didn’t last forever. In Genesis 43, Joseph’s brothers are once again faced with going back to Egypt for more grain. They know they can’t go without Benjamin but Jacob is still reluctant. So in steps another brother Judah who says this to his father,

“Send the lad with me, and we will arise and go, that we may live and not die…I myself will be surety for him; from my hand you shall require him. If I do not bring him back to you and set him before you, then let me bear the blame forever.”

So Jacob allows them to go and Judah is on the hook for his brother Benjamin’s safety.

Judah’s Potential Cost

When they return, Joseph arranges a series of events to test his brothers. Benjamin is accused of stealing Joseph’s personal silver cup (Gen. 44). The punishment for such a crime is lifelong servitude to Joseph. Judah knows if they don’t return home without Benjamin