Need some advice here. I co signed a loan for a proveder for a car. we had quire a falling out over many issues. The car is also registered in my name besides hers. trying to get my name off the loan she won't respond. the time she did, she threatned me by telling me not to leave my house and if I do, I will have nothing. Need some input please.

You entered into a binding contract not only with her but with the bank. Sounds to me like you are screwed...and not in a good way.   What on earth possessed you to do this?

You might have to get an attorney or a disinterested third party to negotiate a buy out wherein you pay her off for her half.  Initially It might be expensive but it will probably be cheaper and fewer headaches in the long run. There are attorneys who are very adept at unwinding contracts especially when it comes to dealing with a hostile party.  Good luck

There is more to it. It is kinda sticky subject. I would pm you but don't want to bother you guys with all the details.

You really have to be careful, no matter who it is you try to help. So sorry love, tough lesson and i hope it works out for you. Belle.

I'm not an attorney, but I co-signed a loan for a family member with predictable results -

Is she making the payments as agreed to, or are you having to make them to protect your credit?

Since your name is on the registration and the loan you have the same rights to the car as she does.  You can have a repo company pick it up any time you want, though you may want to talk to an attorney to determine what legal hurdles you'll have to jump through to enable you to sell it without her consent.  

In any case, since your name is on the loan and registration, you'll want to keep sufficient insurance on the car because you can be held liable if she's in an accident.  

As for her threat, if she was foolish enough to leave it on your voicemail or as a text message, you might file a police report.  No provider wants to be on the police radar any more than necessary.  

Good luck.

I am sorry this happened to you. Some of the providers like to use guys that are to nice and that really sucks.  Good Luck. Question if the car is in your name and the loan can you call the cops and say the stoled the car?

I agree with Balboa, maybe a letter from an attorney offering an amicable resolution.
I know in real estate there is something called a quit claim , basically you just have your name removed from deed.

I wonder if you can do something like this with the vehicle and just basically sign the car over to her. She would be getting the car but you would be getting rid Of a lot of stress. what if she gets into trouble & your name is on car? you could possibly share part of liabilty.

good luck

Above all these days you gotta protect your credit record. If she stops making payments, YOU will suffer.

You might want to talk to the lending institution and tell them you co-signed for a friend who isn't speaking to you anymore, and you are worried about your credit. Ask them what options do you have? A refi maybe? Then email or leave her a friendly message of a possible solution that this is a way she can unattach herself from you amicably if she wants to keep the car with no legal challenges or complications.

Main thing... before things get to the point where your credit is damaged stop being a pushover!

To steal a car you have to take a vehicle you have no right whatever to possess.  This MIGHT qualify as an embezzelment, but I doubt that too.  I would bet any prosecutor would categorize this as 'a civil matter' for resolution by lawsuit.  

Long ago a very stupid young Lieutenant (not me this time) loaned his new sports car to a 'dancer' he had 'dated' a couple times.  She and the car disappeared.  When he went to the cops he was told 'too bad, so sad - you loaned her the car, its not our problem.'  He paid for the car which was never seen again.

MVR

My name is on the loan and registration. I have been trying to get this resolved for about a month now. It sucks big time. The lady who is pulling this on me is a nut case and starting to travel some now. If interested post that you are and I will pm you on it.

If you co-signed the loan, you are stuck in the deal.  If you have a spare key, you might go get the car and sell it, but you probably need her signature on the title as well.  You could voluntarily return the car but you'll have voluntary surrender on your record.  Better than repo but still not good.  If she's threatening you, you might consult an attorney.

It is clear, she is not willing to deal with you.

1) you must keep the car in a current legal status
 (ins., tag, & payments) or your problems could mount much higher than the price of a car.

I am not sure  if you are the only one on title or if it joint title/loan

so that depends, if it is just you then you can hire a repo company to take it away.  They can track her down even if she is moving around.
Do you have a KEY?  That would help in the repo company. however, they can take it way without a key. you will have to prove ownership/loan to the repo company.( local repo /I guess about a few hundred $)

2) If it is joint, then you will need an attorney to make some sort of amicable offer of resolution, he will present in a way that this is in her best intrest to settle this matter.

This is a situation were you are going to have to cut your loses and do not repeat this mistake.

hey can you pm me on this provider that is not right what she did to you

As others have said, you need an attorney. I suggest you do nothing without legal advice.

As for the threat, I suggest you contact the police.  But first see an attorney.

And, the definition of a guarantor: "A fool with a fountain pen."

No such luck.  A quitclaim waives the grantor's rights to the property, but hanginfromanoose's problem is about his obligations rather than his rights.  He promised to repay a loan if the provider didn't.  That was a promise to the bank, not the provider.  Giving up his claim to the car will not prevent the bank from coming after him for its money.

This is a real sticky situation.  

I agree that if she won't deal with you, you need a lawyer to settle this.  This is not "fair".  I'm sure you hate to let her "win".  A settlement is never "fair"...  a settlement is a deal that both parties agree to to put the bad deal behind them.  

I'd suggest you forget about claiming the car "stolen".  Her name is on the registration, same as yours.  Filing a false police report is chargeable.  At the very least, you damage your credibility along with looking stupid.  

Her threat can not mean LE.  She'd put herself at as much risk as you.  More likely, she's threatening to out you to friends & family.  Are you prepared for that?  Better to settle with her.

Has she been making the payments?  Or was she working it off in trade & now she's unavailable.  I hope not.  

Your name is on the reg & also the title hopefully.  In my state, I've bought vehicles that had 2 names said "either" but DMV still required both signatures.  So you likely can not sell it without her.  I don't think forgery is a good solution, either.  

The vehicle could be repo'd by you...  While she has equal rights to it, so do you!  That will royally Piss Her Off, however.  You still can't sell the vehicle, but she'll negociate with you or your atty if you have the car.  You'd have to put the car in secure storage until settled.  

I don't know how much $$,$$$ is at stake.  I believe that this will cost you money to settle but (much like a divorce) you can not move on until it's settled.  

Please let us know how you make out...  
skb

The finance people are dealing with or trying to deaal with her. I am waiting to hear back from an attorney. she is scared to death of LE being there is a warrent out for her arrest. We had an agreement about the payment. When I talked with the finace company my name is the main name on the loan and hers is co-buyer. She kinda already did out me with a family member, but I smoothed it over. I wish I could pm you with all the deails.

Sorry to hear that, but sounds like you have the ball in your court now. To your family you can just portray her as a liar, since she already has a warrant for her arrest (probably explains the recent travel plans) and your family will likely be on your side.

Just say you felt sorry for her, did her a favor and she turned on you (mostly true anyway). It's none of any ones business how you met. Your family should take your word over a nutty girl with a warrant.  

I hope you find a resolution with the finance company soon.

Good you found out the finacial details .
I am sure the "trashing you to family".
is most likely behind you.

You had wriiten that she was hiding/moving around, but it sounds like you have contact with her for now.
IF you attorney sends her a letter offering a) you buy her out or B) offering to sign the car into her name only.  If the payments have been made on Time etc.. This could be possible.
The point is to make her an offer that is of benefit to her & get rid of the dead weight & stress for you.
good luck & please let everyone know how it turns out.