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andre h | I cosigned on a car with someone 3 years ago. How do i transfer the payments to the other person? |
The person is not paying me the money on time. I have to pay it so that it does not affect my credit. Both of us names are on the purchase papers. |
 |
 
SPIFIMAN1
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Auto finance is what I do for a living and the only way you can do this is to have the other signer refinance it in their name only. |
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Joe M
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They have to refinance the loan in their own name.
or refi with another co-signor.
Warm Regards,
mirico |
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Skylight
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You cant. That's what co-sign means. |
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kate
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You can't just transfer .
Did they not explain what cosign means ?
Meant they were bad credit risk , so You were backing them up , in case they didn't pay .
That IS why you cosigned , so You could pay .
The only way to get off . . . is for them to get a new loan in their name only .
Have No idea why you would cosign , unless it was family , in which case , you use the pressures appropriate in dealing with family that has $$$$$ issues .
> |
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Mopar Muscle Gal
 |
take them to court to regain the car back into your possession
then sell it
you have all the proof of your paying for it ..dont you?
Sorry to hear that someone screwed you over
Good Luck |
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Gerald
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Andre--- conficate the car... You are totally responsible for the loan... You cannot transfer the payment... Take the car and sell it to pay off the loan... The first time he paid late the installment contract was broken..The confication of the car should have been at that time..They will mess up the Credit Rating for this childish act.. No payment--No drive.. They SCREWED you... Do not return any money that he paid and never give them nothing... No loans... No Christmas card ...
Sooner the better -- you have a set of keys go get it...
TODAY .. No keys have it towed..
Put car in the garage or take out the battery so they don't take the car...
You tried to do the right thing and just remember ""No good deed goes unpunished"".... Good Luck Buddy .. Sorry you got jerked around... ... |
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Kelsey
|
You cannot transfer payments to the other person.
The only option is to have the other person refinance the auto loan in their name only; or in their name with a different co-signer if still needed.
The problem with this is that even if your friend qualifies on his own now, the vehicle has to as well. So many times with auto refinances people get denied because they're upside down on the vehicle (meaning they owe more than it's valued out). If I were you I would go to www.kbb.com and book out the vehicle to get the retail value. If it's at or above what the auto loan balance is, definetly gets your friends butt into the lender to do an application.
If the value is below what the currect loan balance is then you're either going to have to continue as you have been in your current situation, or pay down the loan enough so you're not upside down anymore.
P.S. I see this too often, learn your lesson and do not co-sign for anyone again. The only time I can understand it is if it's for your child, but even in that case you take a huge risk.
Like I have told members before in this same situation; you did your friend a favor by co-signing to get the car, now they can do you a favor by getting you out of it.
Good luck. |
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brokerstorage
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The other person would have to refinance the vehicle in there name alone. |
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CREDIT ANALYST
 |
Sorry, you can't. What you could do is to sue him or her to recover payment for the unpaid amount, that is, if you both had mutually agreed on the amount each should pay toward the settlement of the car loan. Removing your name from the signed contractual agreement will not be acceptable by the lender. Should the account go to collection, the delinquent report will appear on the credit report of you both, which, of course, would greatly hurt the credit score.
Co-singning any loan with anyone that is not your spouse is quite dangerous and should not be allowed to happen again, please. If you had the money you could have only assisted him or her with part of the down-payment, and not co-signing the car loan for him or her.
As it is, just continue to cover up until the car payment is paid in full, while at the same time, keep records of your friend's unpaid amount - and sue later if you wish.
Derrick |
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D H
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First you can't just go take the car b/c you co-signed and your making the monthly payments.The car is titled I assume in their name with you as the co-signer (only on the loan) so unless you want the sherriff to show up with handcuffs stay away from those suggestions.Second take them to small claims court if you are making the payments and the total owed is under $5,000.00 you need a judge b/c your down to sueing this "friend" for all debts incurred.Third and I cannot stress this enough if a friend,family member, or anyone else asked you to CO SIGN just tell them NO.I cannot believe how many people do this why on earth would someone co sign for someone that has such bad credit that they need someone else's good name to get anything. |
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Alterfemego
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I would repossess the car. |
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