I'm no lawyer, but speaking from a past experience, IF it is not stated in the divorce decree/MSA, that she HAS to refinance into her own name, there is nothing you can do except possibly take her back to court and try to get them to order her to pay the payments on time. The finance company does not care about divorce/MSA agreements. They will not remove your name until car is paid off. Trust me, I've tried. My ex got our house and she has agreed to full financial responibility, but I was stupid and did not put a clause in there that she has a set amount of time to get the house refinanced in her own name. She has paid the payment late several months, and has destroyed my credit and there is nothing I can do about it until I can afford a lawyer to take her back to court and try to get them to ORDER her to pay it on time, or refinance it so it will not effect my credit anymore. A lawyer did tell me that I can pay the payments on time, and then take her back to civil court and recoup my monies, but I do not have the money to pay the payments and cannot afford a lawyer to take her to civil court. And even if I would take her to civil court, they would rule in my favor, but I would still have to recoup the money from her, which she will never pay. The only way for you to save your credit is pay the payments yourself and then try to collect the money from her. It's just such a shame that we get screwed over when they get exactly everything they wanted....and then some. Again, I am NOT a lawyer, just someone in the same shoes that you are.