I am divorced and the divorce decree states that my ex-wife is responsible for the car payment, and maintenance and I am not held liable. Which means nothing from what I read. I am getting a consolidation loan for my credit debt and they will not give me loan unless I pay of the car as my name is still on loan. I did not have it in divorce aggrement for her to sell or refinance. My fault. Can I get a contract made up that has her follow the same rules as loan aggreement with me instead of bank. Same payment and rules?