What will happen? Boat Repo. Rights?

Question

I'm asking this on behalf of my mom. My father and her divorced. For whatever reason she got to keep the Boat, but my dad had a loan out on it- that he took to pay off some credit card bills. Well now that he is remarried and other stuff- he and his current wife are out to get my mom any way they can- so they haven't been paying the boat loan and now today the repo guy showed up saying his work order showed that my mom had volunatirly called and said they could come take the boat. My mom told the guy she was sorry- but that she never called and the guy left. Obviously my mom doesnt care if my dad f***s his credit up getting it repo'd.. but he left the boat with her for us kids to use and knows hes doing it to be a dick and be mean to her.. What can she do? And what rights do repo men have if they come to your house?

Ok sorry i guess i should have added these details to my question. 1. my mothers name is on the boat title- just not the loan. 2. She tried to call the bank to see if she could just pay it off- however the bank said since she isnt on the loan they cant talk to her about it or even let her make a payment.. so does she have any options since the boat title is in her name?

Answer 1

The boat is technically the finance companies, and they will be back to take it.

If your mom wants to keep it, she is going to have to pay it as your dad could care less about his credit. And if she was a co-signer she is liable anyway. Credit companies do not care what the divorce decree says, they only care about what their contract states.

She could always find out where the auction for the boat will be held and go and try to buy it from auction, it may be cheaper.

Answer 2

The divorce court has NO legal authority to modify loan contracts. If no one pays the loan, they finance company can legally repossess the boat. If she pays the loan, she can sue him in civil court to recover what he was supposed to pay.