Co-buyer and I were never meant to and never have shared the car. The payments were to be theirs alone and they've fallen far behind. The bank has sent a letter saying they "may" exercise their rights including repossession if they don't get a payment soon. Co-buyer obviously has no intent to pay. If I pay this to avoid a repo and further damage to my credit record now, would this create a "precedent" obligating me to future payments instead of the co-buyer? What happens if this bill doesn't get paid and they repo the car? Most importantly, if I paid this bill, would it create a legal issue/barrier for me to successfully bring suit against the co-buyer at some time in the future?