What to do if someone co-signed for your car

[Bolshevik***]

back when i bought my car, my mother-in law co-signed in order to try to get me a better financing rate. i paid for the entire car, 100%, and now that i'm getting divorced i'd like to get her name off the title, however (knowing her) she'll probably try to fight me tooth and nail.

how do i go about this?

 

[Merlotte's]

If you are the primary owner you have little to worry about. I sold one of my vehicles my ex co-signed with me on. I didn't need her signature or anything.

 

[Bolshevik***]

i'm still planning on keeping the car, but they have extra sets of keys, so they could technically take it whenever they want and i can't claim that they're stealing it.

 

[Merlotte's]

Aside from suggesting you go to the DMV to get a new title with your name only, if thats possible, I'm of no more use. Sounds like a pickle.

 

[Bolshevik***]

yeah. it seems like the only thing i can do is get her to voluntarily accept to take her name off, but i don't think that's realistic.

i saw on some court show once (judge judy i think) where someone was in a similar situation and they said they had paid for the car completely so judy made the other person sign it over. i'd like to avoid going to court.

 

[Merlotte's]

How'd you get the dubbs? If you don't mind me asking.

 

[Bolshevik***]

posting a gif from a website that's frowned upon + "flaming" (telling a guy to stop talking out of his ass :icon_neut)

 

[Merlotte's]

lol, well played Russian. As long as you were having fun, thats what counts.

 

[Oblivian]

Are you sure her name is on title as well? That is not always a requirement when cosigning.

 

[Bolshevik***]

Are you sure her name is on title as well? That is not always a requirement when cosigning.

i'm fairly certain. (that's another problem; i don't have physical custody of it ) because when i said i'd be keeping the car, she said her mother's name is also on the title so they have just as much right to it as i do. when i said that i paid every last cent on that car, and it's rightfully mine she basically ignored me.

 

[Josh]

i'm fairly certain. (that's another problem; i don't have physical custody of it ) because when i said i'd be keeping the car, she said her mother's name is also on the title so they have just as much right to it as i do. when i said that i paid every last cent on that car, and it's rightfully mine she basically ignored me.

Take her the paper work required to transfer the title to your sole person. If she refuses to fill out the paper work, tell her that you have documentation showing that you paid for the entire thing and that your only recourse is legal action. If she still refuses, take legal action.

 

[Oblivian]

Are you in the process of the divorce? The car will have to be in the property settlement anyhow, so why not talk to your lawyer about it? Even if it was in your name only, I'm sure it would be considered a marital asset.

 

[Bolshevik***]

Take her the paper work required to transfer the title to your sole person. If she refuses to fill out the paper work, tell her that you have documentation showing that you paid for the entire thing and that your only recourse is legal action. If she still refuses, take legal action.

i think that's what i'm going to have to do. i live in a pretty draconian state though, so i just want to make sure i have legal precedent on my side.

 

[GSP_37]

I'm not certain if co-signing a loan results in the co-signer being on title as co-owner. Also, I vaguely remember something about joint ownership for convenience purposes actually being treated as being owned by the person who provided all the consideration for the acquisition of the property.

What state are you in? Go look up the state law via the state's website.

 

[PolishHeadlock]

I'm not saying I would murder an ex wide but shit like this makes me understand it.

Imagine if an ex was getting half your pension or some shit