<prompt> Human: In 2011, when I was young and dumb, my older sister asked me to sign for a car loan for her and her husband for a 2011 Infiniti QX56 totaling about 60,000. At the time, her husband was the sole earner while my sister didnt work for religious reasons even though she has like 2 masters degree. I had pretty good credit while they had very bad credit. At the time, I was saving money along with my then girlfriend to buy a home. I initially turned down the request from my sister but my family pressed me and I stupidly relented and signed the contract which cost me my relationship with my then girlfriend. At the same time, I also signed a contract to rent a home in Texas for them i lived in DC at the time and now Seattle because of their bad credit. They kept up with the payments on the car and home until about 19 months ago. Due to financial issues, they started slipping up in their payments eventually leading up to them being evicted and I only found out about the eviction after the fact due to an alert on my credit report. The landlord sued them me and got a default judgment against me for about 5000. In addition, the financial institution I got the car loan for contacted me today trying to repossess the car. My sister and her husband failed to inform me that they were 96 days past due to the tune of 4,000. I had to pay 4000 to have the repossession activity halted. Heres my bind. My sister and her husband cant make payments so I have to now. The car loan is valued at 29000 with a monthly car note of 1054. I make above 4500 month with my biggest expense being rent of about 1500. I lead a pretty streamlined life so this new expense feels overwhelming. Question, how can I get this debt under control? How long will it take to fix my credit? I used to be in the low 700s and now my credit is hovering at 615 and the credit bureaus have not yet reflected the late payment of the car note. Can I rent with the civil judgement showing up on my credit report? Please help me.TLDR: Solely signed for a 60,000 car loan for sister, now she cant pay and now Im on the hook. Also stole my SSN. Yay!Assistant: Have them sell the car. If they refuse, consider letting the car get repossessed since your credit is probably already bad.Human: Well, we tried to sell the car but Carmax said we need to produce the difference between what they valued the car and what was left on the loan.  <response>: Ive found that Carmax offers exactly 66 of bluebook in two experiences Ive had with them. Both times I went a different route and got more. Theyre great if youre willing to pay a premium to get it done clean and fast. But in this case, it may be worth the legwork to get a few extra grand on the open market. Not disparaging Carmax here by the way. They know some buyers and sellers want a reliable, quick, in-and-out option and they do that really well. But thats not what you need right now since money is an issue. 