Legal Question in Consumer Law in Illinois

You are talking about two different things here: ownership and debt. It makes no difference who is listed as "primary" or "co-signer" on the debt. You both owe the money, and the bank can come after either one of you or both of you if payments are not being made.

Since you indicate that this delightful young man has threatened you if you do not turn over the title, that would lead me to believe that you have the title, and therefore the loan is paid, so any co-signer or primary borrower references are irrelevant at this point.

The other component is ownership. Most likely you are both co-owners if both of your names appear on the title--no primary, or secondary, or co-anything--just two owners. If that is the case, the two of your should sit down are rationally determine who contributed how much to the payments, perhaps with the assistance of a mediator. In other words, if you paid all of the payments, the car should be your property. If the two of you paid equal amounts, perhaps one could buy out the other based on the current value. If that does not work, one of you might need to file a lawsuit to determine how to resolve your dispute.