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If your son defaults, your son-in-law's credit will be adversely affected because he is a co-signer on the debt. If the company is not able to work with you there is nothing else that you can do but to keep up with the payments on the scooter so as to not to ruin your son-in-law's credit. The only option here is to continue to make payments on the scooter to maintain your son-in-law's good credit. He will need the good credit rating for his home loan modification.