I co-signed for a vehcile and now it appears that the original owner is not holding up their end of the loan, and is making payments late. I do not want my credit to get affected anymore. but it seems like getting the original signer to refinance the vehicle under her name is almost impossible. If we made arrangements for the bank to take the car back, how bad would that mark my credit? or is there another revenue i can take to getting my name of that car loan?