Legal Question in Credit and Debt Law in Missouri

You should consult directly with a civil practice attorney in your area. You need specific advice based upon the particular facts if your situation, more than a general response to a general question. It may be that you will need to report to the lender that you don't know where the vehicle is. You may also be liable for damages done by the Co-owner. If you wish to use the vehicle, you may have several options through the courts.

As you probably know, anytime he is late with a payment, it will likely affect your credit.

Good luck