<prompt> Human: A friend has asked me to be the final contact should he default on his loan and the bank cannot reach him, his parents or his brothers. I am not co-signing and I will be sure to review any terms before agreeing to anything. Is this a bad idea? If anyone has any experience with this, please help me out.  <response>: Upsides: noneDownsides: Collection agencies have your phone number and can harass you at all hours of the day.Decision: Run. 