So my father got me to sign a care lease for a car only he drove and paid for. Unfortunately I didn't realize what he was telling me we were doing was illegal (straw purchase) and what we actually did was I was the Guaranteer on the lease because his credit was too bad to get the loan on its own. I was told that he was doing this to help me get my credit established and now its ruined before I even get my feet off the ground. Im throughly confused and Im in the process of being pursued for a deficiency judgment. Im facing leagal action and wage garnishes for a $10,000 difference in price of the car and what it sold for. My father is being most unco-operative to the point where Im seeking a laywer. I may very well have to file a civil suit too.

Where do I begin? Also there are some other sketchy details about my father trying to open other lines of credit in my name and my credit report looks like hell right now.

Any advice from those who've been there? I feel so stupid to have believed he had my best interests at heart. Now I look like a dummy trying to explain.

Help?

T Lynn