What can I do?

[cmykds]

What is the name of your state? WI

I made a very poor decision of co-signing on a car loan for my ex when were were together back in 2001. We broke up in 2003. She was to continue making payments.

Aparently she defaulted on the loan and the car was reposessed.
Yesterday I got mail addressed to her and I at my address, they are now coming after me for $4900. The balance remaining after the bank resold the car. This is the first I am hearing of any any of this.

I have to send a written response by the end of the month. Is there anything that I can do? I do not want my wages garnished and I do not feel that I should be responsible for the debt. Everyone is telling me I will either have to pay it, or file bankruptcy and I can not afford to pay it, as I have full custody of both of our children and she is not paying child support, and I really do not want to have to file bankruptcy. Are there any other options?

 

[JETX]

I have to send a written response by the end of the month. Is there anything that I can do?

If you mean to stop the creditor from exercising their right to your guaranteeing the loan... not really.
However, you can file a lawsuit against your ex to recover the funds you are ordered to pay on her behalf (due to her breach).

I do not want my wages garnished

You should have thought of that BEFORE you co-signed to be obligated for her debt.

and I do not feel that I should be responsible for the debt.

Why not??? That is what co-signing is all about.

Are there any other options?

Nope.