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Dear JACUSTOMER - Verbal agreements with respect to a written contract are not enforceable and you haver no way to force her to refinance the car. The lender will not remove you from the loan unless it is paid so the only way to get your name off of the loan is to pay it off and then sue your ex friend for the money. If she defaults on the loan then you would be liable for the loan and would have to sue her for recovery of your money.
Cosigning is very risky business since it is usually done for someone who has no credit to get the loan on their own and therefor there is little prospect that they would be able to anytime in the near future. So you really have no option this point but to hope she continues to pay or to pay it off yourself and then sue her.
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