My question involves an auto loan or repossession in the State of: New York
I need help in knowing how to sue my ex-wife for repayment of an auto loan. I had co-signed for her car when we were married, and after we got divorced, she failed to keep up with the payments. The car was repo'd last Nov. I had given her numerous chances to deal with this matter on her own, and she failed to do anything. It went to collections a couple months ago, and instead of still letting my credit get ruined, I decided to call the collection agency myself and agreed to settle and pay it off on my own.
I had just sent her a certified letter stating that I paid this loan off, that she is legally obligated to pay me half of the amount that I paid, and that she has one month to get in touch with me to start the repayments.
I have not yet received the return receipt for the letter in the mail, so I am afraid she is refusing to sign for it, or maybe the USPS is still trying. If, and when I receive the certified letter back without her signature, what is my next course of action? Can I use the letter that she refused as proof that I tried to settle this outside of court? I have the letter and receipt stating that I paid this account in full, from the collection agency as proof also.
Thank you for any help in how and what to do to get my half of this payment from her.

