Car Co-signer Situation. Advice needed please.
About 4 or 5 years ago, my ex and I co-signed on each other’s car. We had an unpleasant break up which resulted in her keeping a lot of my possessions. She texted me and told me that she had changed the garage code and locks and that she would put my things in the garage. I got some things back but most of jewelry, vacuum sealed clothes, items I bought for our house etc were not included. My deceased grandmother had given me a necklace that was put in the safe that was also never returned. I gave her the majority of my paycheck for bills because she wanted a house that was truly out of our price range. It was a VA loan, but she assured me that if anything happened that she would not cut me out of the profit. After the breakup, I offered to continue to help her with all the bills 50/50 after it sold as long as she honored our agreement. She did not honor the agreement and blocked me. I got into an accident and totaled my car and was not able to work. Broke almost the entire right side of my body. I begged her to sign the papers, so I could get the insurance money because it was hard for me to live off of STD. I waited months for her to sign because she was “busy.” Which was crazy because it was mailed to her house with a return envelope. I went to buy a triplex and was approved and learned that she had missed 5 car notes, and they wanted around 7k earnest pay to complete the purchase. That fell through. When I went to buy my new car, I was informed that she had missed 8 car notes. I had good rapport with my credit union because I had never missed a payment, but before checking, I asked her to refinance her car to which she said “no” because her interest rate would go up. I learned my lesson with co-signing, and I should have listened to my mother.
NOW the luxury vehicle that she bought has either broke down or is about to. She has messaged me with a sob story about how uber is getting expensive, and she can’t afford 2 car notes etc etc. I offered to sign the papers, but I wanted a notarized document stating that I was not financially responsible for the car and missed payments (my loan officer told me that if she stated that I wasn’t responsible that he could work some magic). I also stated that I wanted my grandmothers necklace back, and $1500 for the belongings that I never got back which in reality were a lot more. Keep in mind that we bought this house pre covid, and she made over 50k on the sale. She also made double my salary at the time and is in a 2 income house now. Am I wrong? And now she is threatening to take me to court and then have me pay all the attorney fees. Is that possible?