i was divorced in 1991, in1992, i co-signed for an open loan with my ex. the loan was paid off, but he reopened it in aug. 2000 and never paid off his debt and filed bankruptcy. there are two parts to the debt, one is a visa and one is the open loan. the collector attorney is coming after me for both. the lending co. never consulted with me to even reopen this loan, but just went ahead and approved it from my signature from 1992. do i have any recourse?