How Do I Get Off a Loan I Cosigned

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… [Read More]

A cosigner is someone who guarantees a debt by signing a contract, making them liable if the primary borrower fails to pay. Under California Civil Code § 1799.91, cosigners can be held responsible for the full amount of the debt, including late fees and collection costs, without the creditor having to collect from the primary… [Read More]

Creditors must provide cosigners with a clear and conspicuous notice in writing, explaining their responsibilities before they become obligated under the contract. This notice must be in both English and the language in which the contract was negotiated if applicable

If the creditor does not provide the required notice, the cosigner may not be held liable for the debt. This defense is often used in court cases where cosigners were unaware of their full obligations​. 

Yes, a cosigner can be held responsible for the full amount of the debt even if they did not directly benefit from the loan or credit. The cosigner’s liability is independent of whether they received the product or service

If you are a cosigner and did not receive notice of your obligations then contact us for a free consultation. We have more than two decades of experience helping and representing consumers facing similar issues.