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My gf defaulted on her debts once I ended our relationship including a loan I cosigned. She told our friend point blank she planned in advance to max her credit cards. I should have been smarter but I forgot about the loan and she did not notify me she wasn't paying. The bank didn't either so I had no idea until I received a summons. I was told I had no rights and to pay in full. The best I could do was negotiate a settlement that did not include attorney fees but included her late charges plus 24% interest for 2 years of future payments even though I paid in full within 4 months. Cosigning was my mistake. But can she really laugh all the way to the bank at my expense? She doesn't care about her credit or mine. It seems like there's got to be a way to hold her accountable on some level.