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SingleLatinMan29 | My girlfriend died and I had cosigned a car for her. What is the policy regarding that, do I keep the car? |
Do I have to continue with the payments? Or can I keep the car with out having to finish paying it off since it was her car and she passed away. |
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healthspot_2000
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yes so long as it is in your name. When you are a cosigner, you are the other person responsible for it. I would try to get it refinanced out of her name or have you assume the loan. Talk to someone in finance at a car dealership. Maybe they can help you. |
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justme
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Check the paper work and see if she purchased the insurance that would pay it off in case of dealth. Sorry for your loss. |
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curtisports2
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Unless she bought the life insurance to pay off the loan if she died, the debt remains. Her estate is now responsible for paying the loan. But if the estate doesn't pay, you are responsible. Here's where things get dicey. Are you named on the title as co-owner with right of survivorship? If you are, then the car is yours. If you are only on the title as co-owner, without mentioning survivorship, you are only entitled to one half of the car's value, even if you have to take over the payments. If she was the sole owner, her estate now owns the car and you have nothing but the responsibility to pay. You could put in a claim against her estate for any payments you make, but your claim will come behind funeral bills, taxes and any secured debt. If you were named executor of her estate, it's not a big deal. You would have the power, as executor, to sell the car, pay off the loan, and be done with it.
You should discuss this situation with an attorney. It could be a very simple matter, or it could get very messy. |
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♪ ♥ Sydney ♪ ♥
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Sorry to hear about your girlfriend's death. If you cosigned the loan for her, you are still financially responsible for the car even if her name is on the title. |
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renegadesail
 |
Sorry to here of you loss. You cosigned so you have to finish paying for the car. |
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bud68
 |
Are you a co-holder of the car registration/title or just cosigner for the loan? What I'm getting at is who actually owns the car now? If your name is not on the ownersahip papers, the car may now belong to her estate. |
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mbrcatz
 |
You guaranteed the loan, but that doesn't give you ANY ownership rights.
Whoever her legal heirs are, get to keep the car. If she had a will, it's whomever she specified in the will. If she didn't, it has to go through probate, and her nearest relative will get it.
Meanwhile, YOU have to keep paying for the loan. That's what cosigning is - guaranteeing the loan, no matter what, with NO ownership strings attached.
Sorry about your loss. |
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Chunky Monkey
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co signed means you're responsible if the signer cant make the payments |
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the_vandalin
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You would still have to pay for the car unless it was willed away to someone else, then they would be responsible for payments, but you would still be on as co-signer until it gets changed. |
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mikebtt_1
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Your a co-signer, you are responsible. I would also say since you need to keep making the payments, the car is yours. |
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Expert Realtor
 |
If you co-signed, you are a co-borrower and the ownership of the car should revert back to you.
It may have been her car but YOU are equally responsible for the loan. You will either have to finish paying it off or sell it.
They will put a reposession against your credit if you don't. |
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stephenweinstein
 |
If you cosigned then you remain obligated until someone pays in full.
The car passes to her heirs according to her will (if she had one) or state law (if she did not). If her estate pays off the loan, you are done. If her estate does not pay off the car loan, then you must. |
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Mr. Prefect
 |
You signed for the responsibilty of the car, thus, you are responsible for paying. Do you actually think that her passing makes the balance of the car free for the survivor? |
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