The repo man cannot have your mom fired or jailed. In fact, if he is coming to her workplace and threatening her, she should call the police and file a harassment complaint. Unfortunately, repo men are not generally covered by the Fair Debt Collection Practices Act or he might be subject to further laibility for making such outrageous statements.
On the other hand, if you don't pay the car note, the car will eventually be repossessed. Your mom, as cosigner, can be held responsible for any payments you do not make or for any difference between the amount owed on the car plus the repossession costs and the amount received when the car is sold at auction. As a cosigner, your mom is responsible for any payments that you don't make.
You can reach Harkess & Salter LLC at (303) 531-5380 or info@Harkess-Salter.com. Stephen Harkess is an attorney licensed in the state and federal courts of Colorado. This answer is for general information only and does not create an attorney client relationship between Stephen Harkess or Harkess & Salter LLC and any person. You should schedule a consultation with an attorney to discuss the specifics of your legal issues.
If you are both liable on the loan then you and your mother are jointly and severally liable for the debt owed. What this means in practical terms is that a creditor can go after you personally or your mother for the debts you owe. Hope this helps.
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