What can I do if I equally signed for a car that was an ex boyfriend’s but they’re going after me for money after it has been repo’d and sold?

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What can I do if I equally signed for a car that was an ex boyfriend’s but they’re going after me for money after it has been repo’d and sold?

I equally signed for a car for my boyfriend 7 years ago. We broke up over 5 years ago. He was the insured driver of the car. He stopped making payments when he lost his job, and the car got repossessed. The car was sold, but the deficiency is $2,581. I just received a call saying that if I don’t either pay $2,000 today or arrange payments equal to that amount by Friday, they will bring me to court and sue me. They said because I am reachable (his phone was shut off) and I have a job, they are going after me. Is there anything I can do? Or if I make the payments can I legally get it back?

Asked on August 8, 2012 under Bankruptcy Law, Washington

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

Since the car has been sold at auction for a deficiency then you are equally obligsted for any deficiency judgment that seemingly will or has resulted which is $2,581 since you co-signed on the vehicle's loan. In essence, you are resopnsible for the full amount. Even if you make the payments on it, you cannot get the vehicle back under the law.

The car is gone to a new owner.

I suggest that you consult with an attorney that practices in the area of consumer law to assist you in your matter and give you the proper advice as to how you should proceed.


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