You can negotiate with them and offer to take out a new loan with new collateral.

You may have a case against her and the finance company.

Consult with experienced debt collection defense attorneys.

You can use Avvo search or ask attorneys you know for a referral.

Consult with experienced legal malpractice attorneys.

It is not too late but you need to give a reason why they should accept your offered amount.

You may be able to proceed against the ex in the family court where the divorce was entered.

Consult with experienced debt collection defense attorneys in the state where the judgment was entered.

The credit union, unless they committed the fraud, are still due their funds.

Consult with experienced debt collection attorneys in Colorado.