Ah....understood. So kind of like my brother, then. He couldn't get credit to buy a car so he asked my mom to cosign for him, but she had put my dad's name on everything when they got married, so when they got divorced, her name was no longer attached to anything...she had no credit and I refused to sign because I couldn't afford to take it over when he didn't make the payments, which I knew he wouldn't because he never made payments on anything else, which is why he couldn't get a loan. I'm so sorry your mom is stuck in that position...can she afford to make the payments or is she going to sell it?