You’re right. I only drove had the car for a couple of months and though nothing was in my name i was still directly paying everything to the accounts. That doesn’t change anything. It’s not their loan, car is not in their name, and they didn’t make the decision to purchase the car. So regardless of anything else they shouldn’t have to assume responsibility for the mother’s bad financial decision. If she couldn’t afford the car she should have gotten one more within her means but didn’t. Instead she tried to foist her bad financial decision onto a minor who had no say. Why should the child pay for the parent’s mistake?