I co signed for a car for a friend and hes not paying on time. its 30 and 60 days past due all the time. i never made a payment on this car. But i was told that im the head cosigner on this car. I askedmy friend to refinance it so i can get my name off if and he refuse to do so. but im gettting all the 50 calls a day. and i cant afford to pay for a car. what can i do?