<prompt> Human: I am the co-signer on a car loan for a vehicle that is my only method of transportation, which I pay in full. My mother, the primary borrower may be filing for bankruptcy for some reason unrelated to the car loan.The car is 5 years old with 65k miles in good condition and well maintained I owe 11k over the next 4 years the KBB offer value is about 7.5k-8.5k.Ive already been denied for one refinancing application due to not enough rotating credit history, what are my best options?If she defaults will I be on the hook for the full remaining balance immediately or will I have any other options?  <response>: She can reaffirm the debt, removing it from her bankruptcy, allowing you to continue making payments on it. The trustee will have no issue with the car as you are upside down on the loan and have no equity so its not a nonexempt asset. The bank will have no issue as they would rather the debt be reaffirmed and have you keep paying on it than they would want to repo it and recoup less than what is owed. 