<prompt> Human: Hello reddit, when I was 18 my grandmother offered to co-sign a loan for a car I was in love with and I took it. Fast-forward two years and because of unforeseen medical bills and recent unemployment, she is filing for bankruptcy. How will this affect me and my loan? She co-signed for the loan but is not an owner of the vehicle and I make all payments with no problems there. Although I do have bad credit due to unrelated issues, so refinancing is not an option. I also happen to currently owe more than the car is realistically worth so selling is also not a viable avenue to go. Will this be a problem and how can I improve the situation?  <response>: Should be fine, but read the contract to check. 