We've done our best to answer the over-6 years question in the Legal Rights section. This is in the Repossession section.(posted 8957 days ago)The lender will claim each of you are responsible for the whole amount. But then, that assumes the lender will actually bother to take you to court if you resist. Read the Do's and Don'ts section and the various success stories on the site to see how using their rights benefitted other people who were in this position.
Good luck
Lee