I was 24, just out of college, and needed a car--a family member convinced me to let them finance the car for me because of her outstanding credit and excellent relationship with the credit union where she could get an exceptionally low rate.
She wanted the car titled in her name, it has never been titled in mine...
I carry insurance on it, I drive it, and I have made the payments to-date.
The problem is this family member has since turned LOONEY TUNES and is basically stalking me (LONG STORY)--I have had to get a restraining order against her...and I don't want to have anything to do with her anymore!!!
I am simply not in a position right now to purchase the car from her, and so I would like to turn the car over to her and be done with it AND HER!
My question is, can I do that??
2007-10-05 19:49:19 · 10 answers · asked by joellemoe 4 in Politics & Government ➔ Law & Ethics
Please note that I needed a car, and I accompanied her to a dealership where she insisted that I should get this particular car, and I told her I couldn't finance it because the payments would be too much and she told me that she could do it for me and get my payments where they need to be.
She is now using the car to further her campaign of harassment against me even with a Harassment Restraining Order in place..
2007-10-05 19:51:55 · update #1
The irony? My husband is a lawyer--the crazy family member?? His mother.
I am asking ya'll because I don't want to drag him in this drama any futher and have him advise me as to something that will not be beneficial for his mother...
2007-10-05 20:09:37 · update #2
You don't want you husband drug in further or advise you to do something that is not beneficial to his mother.
First of all he is your husband and YOU are supposed to be his family and primary concern. HE needs to be dealing w. this. He needs to tells her that he married you, you are the woman he loves, will do so regardless of what she says or does and if she can't handle that well she can accept the consequences. He needs to tell her this is disrespectful to him, his choices and to his wife. Causing distress to you causes him distress and impacts his household. Are you supposed to live in fear of the next shoe dropping?
When there are problems you and he are supposed to be a team. Anyway what does she have to gain w. the whole car thing? Cause so much tension that you get a divorce? Tell the rest of the family what? That she only helped to have something over you and is doing so even though she has lost nothing?
Say you just give the car over w/o your husbands full involvement and you say "I'm done w. her". She will always be his mother and be around. So you will always be the bad guy regardless. It will just linger, get worse and your husband will tire of dealing with it for years. Anything that is done or said should be a mutually agreed upon decision and HE needs to do it. If he is unwilling you have issues.
And if she sues who is she sueing? Your are married so she is sueing both of you and causing financial distress to both of you. How are you going to get to work? Ask your husband..... if you have been paying you might be able to sue for what you paid.
Talk to hubby and get him to man up and take care of his wife. You need to realize that this is not just a you thing.... you are married.
Sorry to go on for so long. I have a brother who accepted help for he and his wife........ she has for years held this over them in some way even though this was years ago. He has never stood up to her. You can easily tell that his wife resents him and there is always some issue centering around this.
I on the other hand had my mother try this on my wife once upon a time. I stood up and said "no way.... this will be done today and if anything else ever happens or she treats my wife with a hint of disrespect that will be that". Yea, she was mad for a while.
But now..... years later my wife and I are very successful. My mother realized that I am the strong one. She relies on me if she needs advice, I am closer to her than my brother and now that she is older she has realized that I am the one she can rely on. My wife and her get along great. She just needed that whenfore years ago to realize that I am her son and she raised me. So if was willing to to go to the plate for my wife then maybe my wife deserves some respect.
2007-10-06 06:40:11 · answer #1 · answered by jackson 7 · 1⤊ 0⤋
Hi,
All you have to do is cancel the insurance and turn the plates in.
Then leave the car in her driveway and be done.
The car is hers anyway since the title is in her name and she will be responsible for the payments.
Or I would send her a letter by certified mail return receipt requested, that you will be dropping the car off to her on a specific date and that you are canceling the insurance and turning the plates in.
Then thank her for her help and leave it at that.
Now you know the lesson, never borrow or do business with family or friends. It never works out.
Save your money and buy a used car instead.
2007-10-06 01:14:13 · answer #2 · answered by bernie 2 · 1⤊ 0⤋
First thing, do you have any type of agreement that states you will pay for the car until it's paid off? Next thing is, if your name is not on it anywhere, she can say that you stole it and it's up to you to prove otherwise. If you really want to return the car and if there is no agreement, you can legally do so. But is this going to make matters worse for you and the loopy family member. This isn't morally right, for it was a favor done for you, but it's not no crim to return a vehicle to the owner of it. Also, since all this happened who says that she will put it in your name one it's paid for anyway? To be on the safe side, call an attorney in your area and ask for free advice.
2007-10-05 19:56:39 · answer #3 · answered by lilbreeze2000 3 · 2⤊ 1⤋
If the loan and title are in her name, she's the legal owner of the car.
Since you just want to be done with her, I'd just give her the car. Be sure to notify your insurance company that you're no longer driving the car.
2007-10-05 19:54:23 · answer #4 · answered by Anonymous · 2⤊ 0⤋
The best thing for you to do now is take the car and keys back to her. Cancel your insurance immediately. You have no legal obligation to her or the credit union.
Good luck on getting free advice from an attorney!
2007-10-05 19:58:56 · answer #5 · answered by jigglebelly99 3 · 2⤊ 0⤋
Whoever's name is on the chattel mortagage is responsible for the car payments. If you have no contract, eith written or verbal, you can just turn the car over to her and forget about it. You are not liable for the car payments.
2007-10-06 03:45:31 · answer #6 · answered by WC 7 · 1⤊ 0⤋
Well lets see she bought a car. Your paying for the car. Shew has the title in her name.
It is her car.
What ever the problem is she can take the car and you don;t have nothing to prove it is yours.
2007-10-05 19:57:17 · answer #7 · answered by dadw5boys 4 · 2⤊ 0⤋
If you had a verbal agreement to pay for the car, that could be enforceable if it went to court. However, the car is the collateral for the loan. It is her car, it is in her name. If you don't want it...drop it off at her house. She can then sell it and recoup her losses from the loan.
2007-10-05 19:53:40 · answer #8 · answered by Citicop 7 · 2⤊ 1⤋
In all likelihood, as far as the bank and motor vehicles are concerned it is her car. If she is on the title she is probably the legal owner.
2007-10-05 21:12:15 · answer #9 · answered by Asked and Answered 7 · 1⤊ 0⤋
I am not a lawyer, but I have driven a car.
I would have to agree with the other answerers. Find another means of coveyance, and find your way out of that situation.
2007-10-05 20:02:18 · answer #10 · answered by jaymonic77 2 · 2⤊ 0⤋