My ex isn't paying car note and my credit is being destroyed
If you co-signed, you are on the hook to pay. You can sue her for contribution---but if she has no money that would be pointless.
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If the title is in both your names, you can gain possession of the car but that won't help with the creditor. They made a contract with both of you and their rights are not affected if there is a problem between the two of you.
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