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taking legal discussion where he answers a viewers legal question right here on the air will welcome thank you you enjoying the holiday season so far absolutely starting to get into it and everything at the tree why dont ya youre above yeah you gotta go almost all shopping is done just one or two little things left Ill get around to it I hope alright lets check out this weeks a question I co-signed on my exs car when we were together but now we are split so what should I do is there a way to get my name off the loan and if not do I have any course of action if she doesnt make her payment so what say you will worship well okay its a couple questions there so lets talk real quick about whats it mean when you sign on a loan when you co-sign a loan so normally so you go in you want to borrow money the banks either approves your a doesnt approve you so in a situation where theres a cosigner whats happened is the lender has said I dont want to loan them money yeah but Ill loa