<prompt> Human: Hello, so like 3-4 years ago my family went on a trip to Florida to visit Disney there. We ended up visiting those time shared places and they offered us a place. Which seemed good at the time. Unfortunately, my sister and I co-signed the purchase. I dont wanna be responsible if my stepfather doesnt pay which he hasnt in the past year. -What steps can I take? Should I call them and cancel? or is there a way for me to get off the co-signor to cancel that transaction? -If he doesnt ever pay will this show on my credit report? I have a 760 credit and dont wait for it to get ruined : -How does him not paying affect me?  <response>: If no one pays your credit will tank. When you cosigned you agreed to the terms of the deal so you better speak with your stepfather and sister and figure out a way to pay it. You cant just cancel a time share. Your best bet is working on trying to sell it now. 