debt negotiation on a auto loan that was written off?

Hello we co-signed upon an automobile loan which was created off, we would similar to to know if it’s probable to come to terms a boon reduction than what was due upon a automobile loan. The loan was never sent to a pick up group as well as is ease with a strange creditor. Has any one ever listened of monetary companies receiving payoffs upon automobile loans after they have been created off for over a year?
Well we was checking to see if we indispensable to hit an profession or debt service association for assistance. we was not in a monetary incident to take lovesome of a debt any earlier even yet we was wakeful which a customer had defaulted upon a loan.The pledgee is not a many accessible grouping to work with exclaiming for your inputs folks:-)