You may remember I had a bad experience as a co-signer, specifically the person I co-signed for failed to pay her $449.39 cellphone bill. I got stuck paying under threat of screwing up my credit history.

When I brought the bill to her attention, by facebook, she replied, by e-mail:

“Doug I’m sorry about this and I will pay you back we have had some financial setbacks but I promise I will pay you before Christmas.”

Tomorrow is Christmas Eve. The clock is ticking…!