Need Advice On Ex GF and Co-Truck Payment Together

[bkjt05 10+ year member]

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You should go around speaking at schools about how being a stupid **** can ruin your life. Priceless.

haha, now thats funny! but my life isnt ruined...im only 22, i got a great career going and im sure ill make up for my young mistakes!

 

[WhoSayWho? 5,000+ posts]

or if that dont work go to the cops and show them that the truck is behind on payments and that it is in your name and they will go over there and make her give you the keys

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No they wont. Gotta love the advice though.

 

[Randy Savage 5,000+ posts]

Take the car and give her AIDS.

 

[natisfynest 10+ year member]

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No they wont. Gotta love the advice though.

ok i havent seen it happen before but yea i wrong

 

[mrogowski 5,000+ posts]

She had insurrance on it when we baught it, but the last i heard, she stopped it cause she couldent pay it or something like that. and i agree bout the rest, but the last part is wrong, the only reason why we did a joint account was cause she couldent get it on her own, i could of got it on my own, but we wanted to get her credit going because she had none. thats y we did a joint.
i take it as a lesson learned and im gonna look into a lawyer and see what i can do.

Hmm.. Ok, so you are the co-signer then right? This could work in your favour when she completely defaults and the bank ends up telling you that you will have to assume the payments. You can get the bank to repo it to you since you will be taking things over.

 

[WhoSayWho? 5,000+ posts]

Of course, the bank can always purchase "forced placed insurance" on your behalf and add it to the note. If you like paying the premium on insurance that you purchase then you will just love force placed insurance, yum, yum.

 

[natisfynest 10+ year member]

Of course, the bank can always purchase "forced placed insurance" on your behalf and add it to the note. If you like paying the premium on insurance that you purchase then you will just love force placed insurance, yum, yum.

lol you gotta love the quotes they get for you too they tried that once on my motorcycle and i think they sent me a quote for 600 a month lol

 

[pilotbear 10+ year member]

Of course, the bank can always purchase "forced placed insurance" on your behalf and add it to the note. If you like paying the premium on insurance that you purchase then you will just love force placed insurance, yum, yum.

this is just another reason why i told him he has to get that thing insured. he can also speak with the place where he has his loan, tell them the situation and it's possible they can get him the truck back since she is no longer paying on it.

 

[duece212 5,000+ posts]

contact an attorney, it is about a $3-500 fee in getting your name off the loan and title

If both parties are responsible for the loan and signed to guarantee it, one party usually can't get off the loan unless the other requalifies and assumes the remaining principal amount. If the loan is already in trouble why would the bank want to lose one of their options for recovery?

Don't really have a nice way to put it...ops an idiot

 

[andrew2944r 10+ year member]

contact an attorney, it is about a $3-500 fee in getting your name off the loan and title

x2

Don't really have a nice way to put it...ops an idiot

x2 loool

 

[WhoSayWho? 5,000+ posts]

contact an attorney, it is about a $3-500 fee in getting your name off the loan and title

Where do you people come up with this stuff? You can't just go pay an attorney $300 - $500 and expect him to "get your name off the loan."

 

[vgeek 10+ year member]

If she has tickets that aren't paid, can the truck be impounded for that?

 

[andrew2944r 10+ year member]

Where do you people come up with this stuff? You can't just go pay an attorney $300 - $500 and expect him to "get your name off the loan."

Its a **** good step to go in that direction unless you want the snatch to ruin your credit, I would have her in court faster than God got the news //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[WhoSayWho? 5,000+ posts]

Its a **** good step to go in that direction unless you want the snatch to ruin your credit, I would have her in court faster than God got the news //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

I am not saying that going to an attorney is a bad idea, I just find it odd that someone can quote the range of the fee as if he can just pay that amount and his worries will be over.

The fact is that the you can't just be "removed from the loan." The bank agreed to the loan only on the condition that he put his credit on the line. There is no simple way out of this, especially if she is not willing to work with him.

 

[IamDeMan 5,000+ posts]

ok dick, im 22 years old.....i was 20 when i did this. dont hate and act like ur perfect or something. I think every post on this thread said it was dumb which i agree, but its too late now. Dont need to come in and talk ****.....
i work my ass off to do good things in life. i dont do drugs or drink much and im a good man and person.

Obviously you need more to talk to you like this. At 20 years old there is no way in hell I would have been this stupid. I never said I was perfect, but I wasn't a total retard like you.

WTF does drugs have to do with your intelligence level? God damn, not only are you stupid but you bring irrelevant facts to a debate.

BTW, good men finish last.

 

[Rashaddd 5,000+ posts]

Obviously you need more to talk to you like this. At 20 years old there is no way in hell I would have been this stupid. I never said I was perfect, but I wasn't a total retard like you.
WTF does drugs have to do with your intelligence level? God damn, not only are you stupid but you bring irrelevant facts to a debate.

BTW, good men finish last.

yea, who does that..?

 

[IamDeMan 5,000+ posts]

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No they wont. Gotta love the advice though.

Clueless asshats unite!

ok i havent seen it happen before but yea i wrong

Yes, you are wrong.

Where do you people come up with this stuff? You can't just go pay an attorney $300 - $500 and expect him to "get your name off the loan."

They know every attorneys fee structure uh duurrrr.
Sometimes the attorneys don't even know their fee structure or what to set retainers at. They just pull numbers out of their ass based on what bill they have due that week //content.invisioncic.com/y282845/emoticons/biggrin.gif.d71a5d36fcbab170f2364c9f2e3946cb.gif:laugh:

Its a **** good step to go in that direction unless you want the snatch to ruin your credit, I would have her in court faster than God got the news //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

And more than likely you'd be laugh right out just as fast.

The fact is that the you can't just be "removed from the loan." The bank agreed to the loan only on the condition that he put his credit on the line. There is no simple way out of this, especially if she is not willing to work with him.

NO WAI!? Are you saying he agreed to make sure that note was paid one way or another by signing that agreement? Thats crazy talk right there.


Bottom line is that the banks don't give a crap who has possession of what. All they care is that the individuals who signed pay the loan. Everything else is your problem. Maybe there is something you can or can't do legally but it isn't all that simple. Until you get something done legally about it, you both are responsible for that note. Don't expect to have it taken care of "just like that" either. So if you don't want your credit to go down, pay the note for her and then hound her for payment. The rub in doing that though is that it shows you make solid proof that you accept that credit liability.

Good luck.

 

[mcsoul 10+ year member]

Don't worry, a couple of more months of this economy and 90% of consumers will have crap credit.

 

[quest51210 10+ year member]

yes, you can get an attorney to request it from her and then formally move on the process.

 

[Chevillac 5,000+ posts]

kill her