Do I Need To Sue My Ex?

A few years ago, I co-signed with my ex boyfriend, we were dating at the time, on a 2019 dodge charger scat pack. We had a verbal agreement that he would be responsible for the payments. He got very behind on payments to the point it got repossessed. His dad paid to get it back so they could sell it since he couldn’t make payments. In September, it was stollen in Memphis (has video proof and police report) and never recovered. He filed a theft claim with his geico insurance but since I’m not on the policy they won’t give me any information on the status of the claim. My ex also isn’t being cooperative and won’t respond to me with any information either. The auto loan still hasn’t been paid on. On April 1, the auto loan lender, Capitol One, said they will pursue legal action against us. I’m considering bankruptcy as a last straw possibility. I’ve tried everything I can think of and I just don’t know what to do now. I’ve been trying to contact lawyers in my area but they either say they don’t do that kind of law or there’s a wait to hear back from them.