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Can a cosigner take you to court?
I cosigned a car loan for a friend and we had a falling out recently. She’s threatened not to pay for her loan, meaning the responsibility would fall on me. If she does this, am I legally allowed to sue? Can a cosigner take someone to court?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear that this is happening to you! If your friend does force you to make loan payments as the cosigner, you can take her to court after the fact to recover any money that you spend on her loan. However, you will still have to pay the loan payment in the meantime to avoid financial repercussions.
Once things have calmed down a bit between the two of you, you can ask your friend to be removed from the loan as her cosigner by refinancing the loan. That way, you won’t be financially responsible for her anymore.
While you will usually need the primary borrower to refinance the loan in order to remove yourself, some lenders will allow you to ask to be removed after a certain length of time. To see if this is a possibility for you, check your loan contract.
Refinancing your loan may mean finding a more affordable car insurance plan. The
Jerry
app makes it quick and easy to find the best rates available on the coverage you need—no long forms or phone calls necessary. Just download the app and answer some quick questions to see quotes customized for you.Hopefully, that helps!
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