Ask for copies of the contract and make sure someone else didn't sign for them. Not your copy but what they have on file. Without real signatures the contract is void.
If you default on your loan, the cosigner is stuck with paying it off. If your credit had been any good in the first place, you would not have needed a cosigner.
The loan would be part of the bankruptcy filing. I can't see how the death of the cosigner is significant. (In financial terms, that is.)
Yes, you can switch the cosigner to the primary on a loan. The way to do this is to have the loan refinanced.
The title has nothing to do with the loan. The loan will need to be refinanced using a different cosigner or only the primary borrowers.
No, the refinancing without the consent or knowledge of the original cosigner created a breach of the original lending agreement and the cosigner is no longer legally obligated for the debt.
They can still come after the cosigner, and it will still reflect poorly on your cosigner's credit history. You have been absolved of the debt, not your cosigner.
The cosigner now owes for the loan.
If you default on your loan, the cosigner is stuck with paying it off. If your credit had been any good in the first place, you would not have needed a cosigner.
The loan would be part of the bankruptcy filing. I can't see how the death of the cosigner is significant. (In financial terms, that is.)
Your local branch or the address on the paperwork.
The Cosigned assumes full responsibility of the loan.
Nothing unless they filed on your loan.
No.
Yes, you can switch the cosigner to the primary on a loan. The way to do this is to have the loan refinanced.
The only option is for the loan to be refinanced without the particpation of the present cosigner.
Ask for copies of the contract and make sure someone else didn't sign for them. Not your copy but what they have on file. Without real signatures the contract is void.
The title has nothing to do with the loan. The loan will need to be refinanced using a different cosigner or only the primary borrowers.