We cosigned thru Wells Fargo for my son. He defaulted because he was out of work for 2 years. We helped as much as we could. Wells Fargo has put a bad debt on our credit as well as my sons. They said that the whole XXXX has to be paid or they wont take it off our credit reports. They will not negotiate for payments my son can handle. We worked our whole life and now ca n't even buy a car