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Parents Used My Beach House As Loan Collateral — Then The Lender's Legal Team Called...
‪‪@HardTruths-x5i‬

I found out Thursday afternoon when my cousin texted me a photo from Dad's celebratory lunch. The caption: "New restaurant opening! Beach house collateral came through!"
I stared at my phone in my office at Goldman Sachs, where I'd worked as a senior investment analyst for six years. The beach house they'd just pledged—without asking, without telling me—I'd purchased in 2018 for $890,000. Renovated for $120,000. Paid off completely in 2022.
My parents had contributed exactly zero dollars.
But they had a guest bedroom there. They'd spent two weeks there last summer. They'd posted photos on Facebook calling it "our family retreat."
Apparently, usage equals ownership in their minds. And ownership equals collateral rights.
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