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0007russell · Jan 18, 2010, 01:47 PM

What happens on the repo, are we both 1/2 responsible.

ScottGem · Jan 18, 2010, 01:49 PM

It may depend on how the loan papers are written. But most likely, you are both equally responsible.

ebaines · Jan 18, 2010, 01:52 PM

Please clarify - are there two people named on the car loan? If so, then each is responsible to make sure the loan is paid. If "she" isn't paying her half, you should pay the full amount to avoid having the car repo'd, then take her to small claims to get full title to the car.

0007russell · Jan 18, 2010, 02:18 PM

I am in Texas moved for work, and She is in Idaho and northwest. The Car was purchased in Arizona. She keeps hiding! I am on the top and she is on the bottom of the title. She has the vehicle, and the only one who drives it!

ebaines · Jan 18, 2010, 02:32 PM

You're previous question aluded to repo - what precisely is your question?

ScottGem · Jan 18, 2010, 02:42 PM

Please don't start a new thread for follow-up. Use the answer this question options. I've merged the threads for you.

Your situation is very unclear. Is there a loan on the car? Is it not being repaid. Who is on the loan?

0007russell · Jan 18, 2010, 03:59 PM

Both names are on the title, it was purchased in Arizona. The registration is still Arizona, but I live in Texas, and She lives in Idaho. She has been paying the majority of the loan, but she sometimes flakes out and just does not pay for the vehicle. She is the only one that drives it. I was the boyfriend that helped her get into a vehicle so I would not have to keep driving her to and from work. So if the vehicle get repo, what is going to happen to both persons on the title, because I am already in debt settlement program, so money is tight. Will they split the amount owed, between the two parties.

ScottGem · Jan 18, 2010, 04:20 PM

You didn't answer the question about who is on the loan and how that's worded. Assuming you are both on the loan, then you are equally responsible for the full amount. If she fails to pay and the car is repo-ed you can be held responsible for the entire balance.

0007russell · Jan 18, 2010, 04:34 PM

I am on the top, and she is on the bottom. When I ask mountain american credit union. We are both responsible, that is what I am told. Sorry about the confusion! So what happens if the car gets repo down the road, if she doesn't get her act together. Being the Vehicle is bought in AZ, and I live in Texas, and she has the vehicle in Idaho. Plus I do not know what condition the Vehicle is in! Since she is only one who drove it, I hope they go after her first.

ScottGem · Jan 18, 2010, 04:41 PM

You are mixing up the title and the loan. It doesn't matter who is on top or bottom in the title. Nor does it matter for the loan.

The credit union is correct as I told you, you are both responsible. They will probably go after her first, but if she can't pay they will also come after you.

Fr_Chuck · Jan 18, 2010, 08:09 PM

Normally they will go after who ever they think they can get the money from, often both parties to get as much as they can from either.

In Texas you are protected somewhat to garnishments.

But if they do't think they can get the money from her they will come after you for all of it.

0007russell · Jan 19, 2010, 05:39 AM

Originally Posted by ScottGem

You are mixing up the title and the loan. It doesn't matter who is on top or bottom in the title. Nor does it matter for the loan.

The credit union is correct as I told you, you are both responsible. They will probably go after her first, but if she can't pay they will also come after you.

Thank you for the answer, it helps!