Q: I'm in NJ and am main buyer on a vehicle contract with an ex. I sued him in special civil court and won. However
Im trying to get off the loan entirely or gain possession of the car. The lender did an extension agreement with the cosigner without my knowledge or signature electronically. Is this legal in NJ? Co-signer's name is on the title however I can add mine on to it at any time. What is the best option to get off the loan? Can I go back to civil court and have him sign his rights over to me or dispute the electronic signature for breach of contract if they don't have evidence of electronic signature? I'm at a loss of options. I cannot get him to refinance and he hasn't made payments since November. The cosigner defaulted in court on this case so would I just order another motion to give up his rights if that's possible?
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A: You need to retain an experienced civil litigation attorney to represent your interests in this matter. You should expect to pay for a 1/2 hour of attorney time to have your best course of action determined. Pick the best attorney you can find and remember one rule: a good attorney is generally never cheap, and a cheap attorney is generally never good so don't choose based on price. With modern technology, you can be represented by any high-quality attorney in New Jersey irrespective of geography.
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