<prompt> Human: About 6 months ago I regrettably co-signed on a 20,000 loan for a vehicle for a roommate, with a verbal agreement between the friend that he would be paying the due amount monthly without help from me.Time passed and personal issues with the roommate came up and he had to be kicked out of our house. Since the incident, he has refused to pay all but one months payment and its destroying my credit.I have facebook messaged him FOR MONTHS, drove to his house, place of work, contacted his familyfriends. All of which I either get no response from him, or friends and family giving me excuses on why hes not around. Its obviously BS in an attempt to keep him away from me.I would be willing to pay it off if he would give the car to me, but its impossible to get ahold of him. I would also pay off the difference if it were to get repossessed which is what Im hoping for, but its been 6 months with no repo???Now, I know that it was stupid of me to cosign on this, and Ive learned my lesson... But Im at a loss. My credit is being destroyed, its impossible to contact the person, and Im really trying to avoid paying for a car I dont own in full! Should I file bankruptcy? Is his lack of response something I could take to court? Is there ANYTHING I can do?I appreciate any help in advance.  <response>: You learned a lesson thats been taught a million times. Dont co sign for anyone especially if there not family. Theres a reason they cant get the loan without you... Its there credit history.Your in the hook you can try calling the bank and ask them to repo it but they dont have to. If your willing to pay it off like you said tell them to repo it and youll pay it off when you can take possession of the car. Big lesson though 