One of the commenters on this story said the below. Of course, the lawyers would probably get most of the money, and also, even if you garnish his wages, he could quit his job or disappear. And then she would have to still pay the lawyer out of her pocket, getting even more into debt. I wish they had said how much was the loan.
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Poster =
Moneyist -- you generally give lots of valuable advice but I think you missed the mark here. Isn't the ex a co-signer on the loan?
As some of the other commenters have suggested, why not find a good lawyer and haul his behind into court. Sue for the entire outstanding balance of the loan plus all the payments she made, plus something for the legal fees and time and aggravation and all that. If she were to prevail, then there's a court judgement which can garnish his wages etc. She would still have to keep making the payments for the next little while if she is concerned about the credit rating, but any amount she'd be able to collect in a lawsuit, even if collection happens later, would at least reduce what she has to pay.