<prompt> Human: Short story short, added brother to credit card to help him build credit he is 21, fresh out of college, student loans etc but lives at home and lone behold things got out of hand racked up 3000, mostly gambling. Im financially secure and the consensus here is dont loan money you dont have so, do I wait until he is more financially secure to repay? Do I write up a legal written contract?All the posts in this sub are people just taking the loss when it comes to family, I just feel kind of used and trying not to take it personally you know? Thank you.  <response>: First, cut your brother off. Hes violated your trust.Second, recommend resources for help with a gambling addiction.Third, you can try to draw up a repayment schedule, but A you cant get blood from a stone, and B you risk other family members accusing you of kicking him while hes down -- even though you just want your own money back. And if he is terminally, congenitally irresponsible the money is gone anyway.The reason people around here say consider it gone in these cases is because of all the emotional dynamics that exist between family members. This isnt a business relationship where you can just contest the charge with Visa. This is more fraught, especially when one family member is responsible and one is not. At this point I would vocalize your disappointment to your brother and say that when he gets a job, you expect 20 monthly payments of 150 to cover his debt. But in your heart of hearts I would expect nothing. 