Originally Posted by
passmeby
Ah, that would be lying. If you co-sign, you are obligated to pay, there's nothing wrong with them making YOU pay, YOU co-signed, even though it's not morally right what this family member did, it's legal technically. You signed a paper that said basically "If Fred doesn't pay, I will, and he doesn't have to pay me back if I do end up paying".
What you want to do is lie and make up a case which is wrong. It would be perjury and that is illegal and punishable.
You really should just talk with this family member, urge them to pay you back. Do you REALLY need the money, as in are you having hard times? If so, mention this. Bug them, but don't cross the line to harassing them. If you know when they get paid, magically show up at their house. Do they have something that you want that you might take in trade? Maybe if you bug them enough, you could get at least something in trade out of them.
Remember, they needed a co-signer because they had bad credit. That means they didn't pay other people back. What exactly made you think that they'd pay YOU back?
Pardon me, they might have had NO credit, but I'm banking on BAD credit.