미국에서 자녀나 친구의 자동차 대출, 아파트 렌트, 학자금 대출에 '코사인(Co-sign, 연대 보증)'을 서주는 것은 상대방과 정확히 똑같은 채무 책임을 지는 행위입니다.
주채무자가 단 한 번이라도 납부를 연체하면 코사이너의 크레딧 점수가 곤두박질치며, 주채무자가 파산하거나 잠적할 경우 은행은 돈을 갚을 여력이 있는 코사이너의 월급을 압류(Garnishment)해서라도 돈을 받아냅니다. 코사인은 "내가 대신 갚아도 좋다"는 확신이 있을 때만 해야 합니다.
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