<prompt> Human: Ok, so...My sister-in-law is financing a car that my father-in-law co-signed on. My husband and I started getting calls a few months ago from a repo company asking us to tell them where my SIL is, blah, blah, blah. We would always hang up. My MIL and FIL started getting the same phone calls and they would just ignore them. My SIL was ignoring texts and phone calls from her parents. We all thought she was skipping out on her car payments and the bank was collecting. Come to find out or so she says, she was paying her car note in cash every month she works as a waitress and doesnt have a bank account at the bank. The bank says that the teller never posted any payments to her account and that she would need to file for bankruptcy in order to clear her debt and not get her car repossessed. So, she filed for bankruptcy. The story seems a little fishy to me, but she still has the car, so there must have been some truth, right? Was there a better route she could have taken? Were in GA, by the way, in case that is helpful. Thanks in advance, personalfinance!  <response>: She never went to the bank, come on. Thered be a record of it. Either that or she had the same teller every time and the teller needs to be in jail. 