I can understand your concern, but at the present you do not seem to have any tangible damages. If you choose to hire an attorney get one familiar with loan agreements and lending. I would just keep on top of the situation like you are doing and make sure the note gets paid before it will actually start affecting your credit. I would suggest you use the find a lawyer tab above to locate an attorney in your area. There are several attorneys who offer free initial consultations who will explain your legal rights. Good Luck.
Nothing herein is intended to create an attorney client relationship and the response is intended to provide generally a broad response to the area posed by the question. Each question is governed by unique facts and no answer provided is intended to specifically answer the question, but is a general overview of the area of law contained in the question.
If you are a co-borrower, you should be able to deal with the lender directly.
You can reach our offices directly at (515) 288-6041. The comments listed here are of a general nature and should not be understood to create a formal attorney-client relationship -- that is, I am not, and I cannot give you legal advice here. I am licensed in Iowa and to become your attorney, I need to understand the particular facts and circumstances of your legal question.