12/18/2025
MY DAUGHTER WISHED I WAS DEAD FOR HER BIRTHDAY. SO I WENT TO HER MORTGAGE BROKER.
My daughter, Elena, told me the best gift I could give her for her 43rd birthday was to die. She said it to my face, in her giant marble kitchen, the one I helped pay for. I just stood there, holding a fancy cake that cost me a month's pension. Her two kids were laughing out by the pool, not even looking at me. She told me to leave the cake and go. She wanted me out of her life. Dead would be better.
I didn’t cry in the taxi home. I didn’t do anything. I just sat in my small apartment until the sun came up. Then I went to my closet and pulled out a dusty box. It was full of papers. Loan agreements I co-signed. Bank slips for "emergency" money that was never paid back. Receipts for renovations, cars, tuitions.
I put on a suit, went to the bank, and emptied the joint account we shared "for emergencies." Then I went to the mortgage office that held the loan on her big house.
A young man named David asked how he could help. I smiled and said, "I'm the co-signer on my daughter's home. I just have a few questions about my rights."
He pulled up the file. "Well, Mrs. Gable, you're the guarantor. That just means you're responsible if she stops paying."
"I know," I said, and pushed a stack of my bank statements across the desk. "She stopped paying six months ago. I've been making the payments myself to protect my credit. It's all there."
David's face went stiff. He stared at the statements, then back at his screen. He started clicking fast. "Oh," he said. "I see." He looked up at me, his eyes wide.
"You see," I said, leaning forward. "There's a clause in our guarantor agreement. The one you guys put in for high-risk loans. It states that if the primary borrower defaults for more than 90 days, and the guarantor assumes full payment, the guarantor can file a 'Principal Residency Transfer.' David, that house isn't...