After getting the run-around and her credit ruined, this co-signer decided enough was enough and aired out her dirty laundry on Facebook for everyone to see.
Facebook user Ashley Kranich, who goes by Ashleybissh on the Zuck site, was so fed up with the person whom she co-signed a car loan with for missing payments, she aired out her business in a now-viral Facebook post for everyone to see.
It seems to have worked as recent texts show Karnich’s post resulted in the other person getting shamed into returning the car to her so she could return it to a KIA dealership.
Or, at least, that’s the plan.
Kranich’s post is embedded below with screenshots, too.
According to the loan screenshot, Ashley Kranich co-signed a car loan for a KIA to one Christine Burden.
The monthly payment is 1,086.05 and, per the payment tracker, it looks like they’re 12 months into a 72-month loan plan.
As co-signer, Kranich is just as responsible for the loan as Burden is so, she has a vested interest in making sure Burden keeps up on the loan payments.
Missed loan payments results negatively affect the credit score of both Kranich and Burden.
According to the oldest screenshots, Burden was having trouble making payments as early as August 2024.
In the beginning, Kranich remains Cordial with Burden.
“Good Evening Darling. Question. When do you think you will have the rest of the money for payment?” Kranich texts Burden.
Burden has all sorts of excuses including child support, taking a mental day, and getting a new card.
“You’re dead ignoring me,” Kranich replies when it’s clear Burden is ignoring her.
“Like, Christine. I’m trying to be civil with you and you’re really making me come out of my face right now. If I have to get Orange County involved to get this car because you’re completely ignoring me. I will report that car stolen.”
Their payment woes continue next month as a new set of text messages in September reveals Burden doing her best to get the rest of the payment piece-meal Kranch.
“I just put 100 behind the sign and Kenny should have Zelle’d you 100 and next Friday I can bring you the rest. My paycheck was s*** It’s been s***.”
These missed payments and back and forth proved too much as her Facebook post this December means Kranich decided to go the nuclear option a.k.a. going public with their payment struggles.
“Can someone co-sign a car for Christine Burden so I can take my name off the car I got her?” Kranich asks no one in particular.
“No, she won’t make on-time payments. No, she will not give you the car back and then try to make you pay for a car you don’t even use, no she won’t take your name off because then she has to turn the car in.”
Going nuclear seems to have worked as, according to the latest texts drop, Burden might be shamed enough to turn the car into Kranich.
“Listen, I’m trying to do the right thing by bringing you the car but your post has people inboxing me and talking s*** and I don’t appreciate it,” Burden replies.
At one point, Burden threatens to keep the car if Kranich keeps the post up.
“I’m going to say f*** it (returning the car) all if the post stays up because that’s unfair to me, Ashley.”
“Girl, you’re going to keep a car because of a post?…I’m not joking Christine, you keep this car and I’m legitimately suing you…I will get you for fraud.”
As of this blog post, it looks like Burden is leaning towards giving the KIA back, although it’s a dynamic situation, so something else might happen.
Without the ability to make payments on time, it looks like Burden doesn’t have much of a leg to stand on in the matter.
Legally, however, this is why it’s important to consider who you co-sign a loan with or, rather, a cautionary tale just not to.
If and when Burden gives the KIA back, after 12 months of KIA ownership, Burden will be out $12,000+ dollars with nothing to show for it.
Plus, she’ll have ruined her and Kranich’s credit, not to mention their friendship, too.
If you’re on a limited or have a low income, getting a new car shouldn’t even be a thought.
It would behoove you to live within your means and settle for something cheap, reliable, and probably Japanese.
