Thank you very much "TheJury" for taking the time to write such prompt, extensive and precise answer. It gives me a warm fuzzy feeling that there are people out there capable of giving a face to a faceless person and share disinterested advice.

I have all the intentions to honor my original agrement on the contract I co-signed. Your statement "... to most creditors, does represent a willingness to at least attempt to honor your obligation." further clearified my position. My only trouble now is to get to some aggreement with the creditor whom, even though is not demanding the payment in full, is requesting monthly installments that are far out of my capacity of payment. But this is another story.

Thanks again theJury for "being out there". Your advice helped.

Norma Conti