Legal Question in Civil Litigation in New Mexico

You cannot "get off" your obligation to the lender as you are bound by the contract you signed. If he won't pay, you will have to. Your legal remedy is to sue him in Metropolitan Court small claims division if you are in Bernalillo County, or Magistrate Court small claims division in any other county. No lawyers required; the court will provide the forms you need, but not legal advice. If you can get possession of the MC by totally peaceful means, you have the right to keep it until he pays all back payments, and to put a lien on the title for future payments. Other than that, the lesson is that one should never co-sign for another, as the liability attaches when the other does not pay.