What sort of language was there in the Final Judgment concerning the car loan? Did it give her a certain amount of time to refinance it? Was there a provision where she would hold you harmless from that debt? Without knowing that, it is hard to advise you.
Unfortunately, since your name is on the financing, the finance company will come after you if the vehicle gets repoed. The bad credit due to her late payments are also hurting your credit score & damaging your reputation. BUMMER!
The only remedy you have is through the court that granted the divorce. You may ask the court to hold your ex in comtempt for failing to obey the earlier order about making the car payment on time. It might be possible to be awarded money damages for your losses, but in many instances, ex spouses can be terrible credit risks.
This question is really one related to divorce & family law, so I am moving it into that field rather than debt collection. I suggest that you contact your divorce attorney for more specific info on what options might be available to you.
I agree with Ms. Bunce, you may be able to obtain some sort of relief through the court that entered the final judgment of divorce. You may also want to send the lender a copy of the judgment awarding the car (and the corresponding monetary obligation) to your spouse. In the past I have had success in convincing creditors to remove adverse credit information from an ex-spouse's credit report in a similar situation. You can send them a letter explaining the circumstances regarding the judgment of divorce. You may also have rights under the Fair Credit Reporting Act that would protect you from adverse credit information being posted on your report. You should seek the assistance of an attorney. Good luck!
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