My longtime friend had a home demonstration from a vacuum salesman. She wanted to buy the vacuum but could not get approved for the payment plan. But, the salesman said if she could get a cosigner, within 3 days, he would give her a $1200.00 discount. The vacuum was $2500.00. She asked me to do this for her. I was reserved, but I said okay.
She signed, I signed, I was approved as her cosigner, and I left them to finish up their business. 1 week later, my friend went in for surgery, suffered a massive stroke, and never regained consciousness. She was removed from life support 3 days later and died on the 4th day. From vacuum purchase to death was just 12 days.
I immediately contacted the salesman that sold the vacuum, letting him know of her death and my desire to get the vacuum returned unused and have the contract voided to avoid any debt or charges, before they accrue. He replied that he was sure there would be no problem. I never heard anything further from him. Now no one wants to take the vacuum back, they tell me I'm responsible for the debt, I have never laid eyes on the vacuum, and I don't know what is going to happen to her belongings.
I want to be released from the obligation based on the fact that she died before she even owed a payment which is due in March. Also, the paperwork doesn't show her discount for getting a cosigner! Am I still responsible for this debt, when she died, especially so soon after signing?