Joint Car overdue payment

crypto_keeper88 · 2022-03-31T13:37:05+00:00

You can sue her for ruining your credit.

fatherofamazinggirls · 2022-03-31T13:44:21+00:00

Pay it and keep records to pay your back

BlendedChaos2012 · 2022-03-31T14:01:07+00:00

Make the payment and take her back to court. If there isn’t a timeline in place for her to retitle the loan, there should be. Shouldn’t take her longer than 30 days to refinance.

VintageSheppard · 2022-03-31T15:28:32+00:00

Had a similar situation after a divorce. Lesson learned guys…don’t put your name on anything with your wife! Anyway…was fortunate that she hit a deer and totaled the vehicle. Her insurance paid the loan off. That was a great day.

thefudmaster · 2022-03-31T15:55:07+00:00

Sadly OP, banks and credit card companies don't give a shit about a divorce decree. I'm counseling a local man now who is going through this, except it is for the mandatory sale of the former marital home, which she refuses to do. Now, he is going back to court requesting an order of contempt. You need to do the same ASAP.

poorlyplanned · 2022-03-31T15:50:58+00:00

You pay it or you take the hit on your credit when she doesn't pay on time. Those are your options.

jimsmythee · 2022-03-31T16:14:04+00:00

Don't bother calling the bank. The loan is in both of your names and the bank was not a party to your divorce.

The bank wants their MONEY. That's all they care about. If your name is on the loan, they'll put a ding each month she pays late or doesn't pay at all.

What do you do? You drag her sorry ass back to court and provide evidence that she has been in non-compliance with your divorce decree. "she has not been paying on the car." The judge can force her to relinquish the car to you, you can sell it off and pay the bank what it owed. That is really your only real legal option.

SSGSS-BERNIE · 2022-03-31T19:01:58+00:00

I'm literally going through this same situation with my ex. Divorce has been final for over 30 days. She has unpaid car payments, utilities and mortgage on the house. I made one payment so we wouldn't lose our equity to foreclosure. Settlement states that she is to be responsible for the payments but still has yet to do so. Meeting with an attorney today 🤞

TonLoc1281 · 2022-03-31T17:51:22+00:00

Pay it.

Mugz5603 · 2022-03-31T18:06:52+00:00

Man pay the note and divorce the irresponsible tyrant!

warrior_up · 2022-03-31T19:23:47+00:00

MIne got mine repo'd - never made payments. Wasnt worth going to court over

Gattsama · 2022-03-31T19:24:48+00:00

Sorry man but you are shit out of luck. IF your name is on it, then it's your loan and your credit on the line. If shes your EX (not STBX) then there's no much you can do expect try to get your name off the loan. If STBX can make all final payments prior to the actually divorce, but since already divorced...

You can take the credit hit, in ~90-120days car will be repo ending the issue. OR you have to pay whenever she refuses too. You can try to take her to court to enforce your agreement but it's not going to change anything ultimately. She's going to continue to refuse to pay and since there are no real consequences that's life. It sucks.

If you trust google, looks like a car repo results in a ~100pt credit drop and takes 7 years for it drop off your report!! See the problem.

But more real world question, if both your names are on the title who takes ownership once the loan is paid off?? You can't sell it without her permission and I know aren't sharing it.

bluestang65 · 2022-03-31T20:00:30+00:00

Unfortunately I totally agree with the guys that they pay it and try to fight for the money back. You will never see the money again. But you will pay more in interest down the line for having bad credit. Welcome to getting divorced as a man in the United States

BlackFire68 · 2022-03-31T20:53:19+00:00

Is there a court order to do so? (Refinance without you). If so, you can file a contempt charge.

whatskeeping · 2022-03-31T21:22:52+00:00

You should pay it.

email68 · 2022-04-01T04:20:17+00:00

Sell the car. Split the profit if any.

Aggravating-Ad-5793 · 2022-04-01T12:03:03+00:00

Unfortunately the agreement with your ex does not change your agreement with the bank so you are still on the hook. However you can probably Sue probably her if you end up happening to make any payments to save your credit.

If the agreement you have what your ex was incorporated into a court decree then you can take her back to court and enforced it that way. If it is just a gentleman's agreement you may have a hard time

Title	Joint Car overdue payment
Author	Blake17171717
Upvotes	12
Comments	54
Date	March 31, 2022 1:33 PM UTC (4 years ago)
Subreddit	Posted in /r/Divorce_Men
Original Link	https://old.reddit.com/r/Divorce_Men/comments/tszvb5/joint_car_overdue_payment/
Archive Link	https://theredarchive.com/r/Divorce_Men/joint-car-overdue-payment.1109291 https://theredarchive.com/post/1109291

Comments