Q: My ex boyfriend co-signed on a vehicle for me while we were together. Who has rights to the car?
My ex boyfriend became very abusive so I left him. He is very vindictive and has started threatening to take the car from me. I made the down payment and have made every payment on the loan this whole time of ownership on the vehicle. He stated he’ll take it and not make any payments basically screwing up both our credits. The title is an “or” title so I’m not sure he can even take the car as it seems to be an equal ownership. Is there something I can do to keep him from taking the vehicle in court? I’ve tried refinancing but my credit is still building and I can’t get an approval on another loan right now on it. I appreciate any information.
A: Schedule a consultation with an attorney in your area who handles general practice or civil litigation. A Court is very unlikely to make the lender accept you as sole owner/borrower. The most practical remedy might be sale of the car with payoff of the loan, and if your ex used or otherwise benefited from the car, compensation to you for at least some of the money you put in. Take action quickly to avoid the credit problem.
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