My question involves collection proceedings in the State of: Oklahoma
The long story (all of the following happened within the past 3 years): When married, cosigned for a car, got divorced, her credit isn't good enough to refinance and still isn't to this day. I was notified from the ex that she couldn't make the payment one day before the 30 late mark with affects your credit. Received another email from her complete with schedules/dates that if I were to make the payment, she would pay me back in multiple smaller payments. I made the payment to the lender (again this was post divorce). Just before she was suppose to make the first payment to me, she emailed me that she lost her job and came up with the new schedule, smaller payments over longer duration of time. After receiving nothing I emailed her, she replied again changing the schedule. After again receiving nothing emailed her requesting money. I get a letter from an Attorney stating she has hired him and that she's not legally responsible for the debt citing: "The responsibility of the debt reverts to the underlying loan contract for the vehicle, for which both you and her are equally responsible as co-loan applicants". I would also like to mention that she has never paid late to the point where we're stung with a 30 day late on the credit report yet has never paid by the due date, she has also been granted two payment extensions from the lender, one for one month and one for two months in about a 14 month span. That means we're relieved from a payment for a month or two but still owe the payments at the end of the loan all while interest still accrues.
What options do I have and what should I say when I call the her lawyer? Are mutiple emails good enough or am I S-O-L?