Family Dilemma: Refusing Loan Fraud for Brother - AITA?

AITA for refusing to help my brother commit loan fraud? OP faces ethical dilemma when brother asks for pay stubs to refinance car loan.

Damjan

Published in Interesting
18 Nov 2025

Family Dilemma: Refusing Loan Fraud for Brother - AITA?

In a thought-provoking Reddit thread that has captured the attention of many, a 33-year-old individual grapples with a moral dilemma involving their older brother, who has recently asked for a rather questionable favor. The request centers around providing pay stubs that would be falsified to help the brother refinance his car loan, a move that raises ethical and legal concerns.

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While the brother insists he wouldn’t want to pressure them if it feels wrong, the emotional implications of family loyalty complicate the situation. As the original poster navigates through their feelings of discomfort and the potential consequences of such an action, the conversation quickly shifts from the practicalities of loan refinancing to deeper issues of trust, familial responsibility, and the weight of one's choices.

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Many commenters have jumped into the discussion, offering a wide range of perspectives on whether the poster's hesitation makes them the "asshole" in this scenario, or if their instincts to say no are commendable. This thread not only highlights the complexities of sibling relationships but also raises broader questions about the lengths one should go to for family, especially when those actions may conflict with personal ethics and legal boundaries.

What would you do in a situation where love for family meets the reality of right versus wrong? Join the conversation and share your thoughts!

Original Post

Throw away account. Me (33) and my brother(39)have 5 other siblings and I've always been the black sheep of the family, but he's the only one who's made an effort to be an older sibling in any way.

We had a pretty good relationship. My brother texted me asking for a favor.

The favor was to send him some of my paystubs. He would doctor them to replace my information with his.

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An important detail is that before I even responded he told me that if it made me uncomfortable that he would understand and that he would still love me. I told him that it did make me uncomfortable, but also that i trusted he wouldn't ask unless he really needed it.He's a single dad with full custody and I know things are genuinely hard for him.

He said he needed to show a lower income so he could refinance his car loan to bring down his payments. I agreed and told him that I would need until at least the next day.

That night I put a lot of thought into it. I'm aware it's crime.

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I thought hard about how to do it intelligently and came to the conclusion that we've already texted about it and already fucked it up. The morning rolls around and I'm scheming.

It was hard. I came to the conclusion that any electronic communication about that could easily be traced back to me.

Or maybe I'm just not a good criminal. As I'm scheming, my brother texts me that i don't need to worry about it and that he doesn't want me to do anything that would make me uncomfortable.

He again assured me that he'd still love me either way. I asked if he was sure andthat i was working on it.

He said he needed it but that if it made me uncomfortable not to do it. I said that I wouldn't then and he heart reacted my reply.

As far as the text trail goes, he had given me an out. The plan was to just say no on the texts to eliminate that trail but do it anyway.

I was getting closer to something I felt was a smarter way to approach it. Later that night my brother texted me that he was really disappointed in me.

He said that now that he's asking for help it's like the things he's done for me don't exist. He said he's never hesitated to help me because that's what family does.

I wanted to tell him that i was still going to do it, just not via text. He doesn't live close so I couldnt talk to him in person.

I told him that i understood and that there was a misunderstanding we would have to work out irl. I was just tired of texting about conspiracy to commit crimes.

His response really bothered me. The false equivalence of comparing putting in a good word for me at his job vs loan fraud made me mad.

So did the fact that he told me 3x that if it made me uncomfy that he would understand and that there would be no love lost. This made me feel like he's been counting up what he's done for me over the years and this also felt very much like love lost.

I decided that I just wouldn't do it at all and that he could just be mad at me. But maybe I should be willing to take this risk for family?

Am I the a*****e? *EDIT: Some ppl are saying my brother's reasons don't make sense.

That could be true. I'm not a loanologist so I'm not sure but let me add more details.

He mentioned the goal was to extend his car loan to bring his monthly payment down. Someone in the comments pointed out that this would actually be more expensive in the long run.

It would make sense to me that he would favor saving some money in the short term so he can feed his kids and taking the hit later in the hopes that his financial situation gets better. His car payment is nearly twice mine and my car is newer and nicer.

I think that's probably because he has really bad credit. EDIT #2: Some commenters are saying IATA For considering it.

I disagreed initially but I can see it now. In my eyes I'm just looking out for my brother and his young kids but I do now see that this would have had the possibility of effecting other ppl and their loans.

We come from an incredibly impoverished community where crime was sometimes a necessity to survive and were already on public assistance programs but they weren't enough. However, we're not in that place anymore and he does probably have other options.

Thanks for this perspective.