<prompt> Human: Today my wife got a call from a Rent-A-Center because her brother listed her as a reference. Im sure most of us agree rent to own is not a good decision, but how do you deal with these situations?I understand that the answer will vary depending on your relationship with the relative, but in general, what are your rules in this area? Do you take a hands off approach, letting them live their life as they choose? Or, do you try to help them improve their situationunderstanding in some way?  <response>: Unsolicited advice usually isnt well received.Personally, I let it go unless what is going on is really, really bad. If someone comes to me asking for help, it becomes my business in some sense. I draw the line at paying their creditors - thats a bet that their creditor made with an eye towards the bottom line and Im not going to feel bad if their creditor gets screwed. Mainly, I try to avoid getting drawn down into that mess - by keeping my financial house secure and solid, Ill be able to provide food and shelter if its needed later.I would tell her brother that there is a reason Rent-A-Center offers credit to everyone. If he fails to make a payment and doesnt return the item, Rent-A-Center will get a warrant issued for his arrest since its considered a theft. The interest rates are ridiculous as well. Its just an all-around bad deal, one that should be minimized if at all possible. 