Getting off a loan that you cosigned is difficult, as cosigners are legally bound to the debt unless the creditor releases them. The first option is to ask the primary borrower to pay off or refinance the loan in their name, which would remove your obligation. If you did not receive a cosigner notice you may have a legal defense. However, if you’re listed as the main buyer on a loan but didn’t receive or use the goods, services, or money, and the co-buyer did, you can also challenge the loan. California law requires creditors to give clear notice to cosigners who don’t benefit from the loan, explaining their responsibilities before they sign. If you didn’t receive this notice and the loan incorrectly lists you as the main buyer, you can argue that your role was intended to be a cosigner, not the person primarily responsible for the debt.