Did she by any chance take your name off of it? or refinance in her name only?
If not......then I'm afraid it's your burden too.
Which means it is going to be VERY difficult to have the CO removed. You can try disputing it with the CRAs. It never hurts to try.
What I would be more worried about is a lawsuit. With a charge off amount that size.......they are going to come after you (probably both of you).
I had a repossession turn into a charge off......which eventually led to a judgment and the amount literally doubled. So it may be in your best interest to talk to your ex wife and see if there is any way she (or both of you) can pay this off before it gets any worse.
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