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Raven | Man.....did I mess up.....? |
Two years ago I went and put a 2005 car note in my name for my brother….because of his and his wife’s credit……he promised and begged that he would keep up the payments…..he and his wife did good for the first two years…..now I found out that the got car was repo…..they say that they will take care of it ..but I don’t know…..I’m thinking of just filing for bankruptcy ……the car I own is paid for….paid it off in 2005.….and I really don’t have anything of real value in my name….the house I live in will be left to me by my fathers parents when they pass…..currently I am paying everything on it.….it was to much for my grandmother to maintain she now lives in Los Vegas with my Aunt……is bankruptcy the way to go …so I don’t have to pay on my brothers debt?. |
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Feeling Mutual
 |
Oh No! Not another learning experience!
Talk to a Bankruptcy Attorney, usually the initial consultation is free. They give the best advice.
Bankruptcy would remove the debt on your brother's car, but it can still be repossessed, and they might be still be able to go after him for it if they did not get what was owed after it. You need to talk to that attorney.
Only $3,500 of the equity in your car is protected by Bankruptcy, though it can be different in different areas.
If you ever decide do this again, heaven forbid, put the car and insurance in your name. Then you will get the bills and your brother pays you. If he does not pay, sell it.
Oh, and you didn't mess up at all. Your brother did. You did something kind. |
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PJ
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Pay to get the car back and then sell it to pay off the debt so that you are out of it. It is better to pay the money to get the car back than to pay an attorney for the bankruptcy that will be with you for 7 to 10 years. |
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patrickmcc55
 |
First of all, dont go BK.
You should call the finance company, and find out how much they owe. Then sell your car, take the cash and pay the finance company what they are owed, and drive that car.
The bank should not have repo'd this car without telling you, the loanholder that the payments were behind. |
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brndbradsh
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not if you have good credit. Call the place and see if you cant get the car back explain the cituation and then sell it. |
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Pepper
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NO, do not file. Your brother should. But get your name taken off that contract. |
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Sane
|
Not really, only as a very last resort. Question, whos name is the car in? When you finance a car for yourself or anyone else ALWAYS put your name on the title. That way you have the power to take the vehicle and sell it. If the car is in your name, I'd see if I could bring the loan out of arrears, get the vehicle and sell or trade it. Alternatively, you could get your brother and his wife to help with getting the loan out of arrears, and agreeing to have the vehicle put into your name as a condition of their being able to use it. The only issue there is YOU would have to buy the insurance for the vehicle and he and his wife would have to be listed as drivers. Insurance companies today still try to use credit scoring to set rates. Thankfully this is becoming illegal in many states, but if its not in your state, your rates may be really high. So the best thing to do would really be to bring the loan out of arrears, get the vehicle in your name and sell it. |
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karen h
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find out what is owing on the car note and offer the company an "offer in compromise"..a lower amount to get it out of "repo" status and restore your credit. |
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Space Coast Virtual Services
|
I've always been told if you don't owe total more than 25K never file Bankruptcy. A little repo can hurt to much if you don't get on top of this and report to the credit agencies that you want to take care of it....
If your brother never will pay it, you can let it stand on your credit report with note pertaining to what happened. Also contact the creditor and see if they can work something out with just you...on payments and then have your brother and sister in-law pay you.... You could have some good collateral : the home that will be left to you: you don't' have in your name yet, but they could go ahead and quit claim it to you and then it would be good collateral for an equity line of credit to pay off that loan.
Just don't file BR if your under 25k...
i LOVE Suzie Orman for Financial Advice!!! |
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Cookie
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Don't file for bankruptcy it could affect your credit for 7-10 years.A repoed car goes up for auction if you or your brother don't make good on the money,they apply the auction price to your loan and make you pay the rest.You could work out a payment plan,but paying for a car you don't have really stinks.I would make your brother make good on the money and pay it off.Life is full of lessons all you can do is learn as you go.
Good luck with your problem.E.B. |
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Hans B
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Contact the company who repo'd the car, tell them you'll pay the remainder and see if you can sell the car. Depending on how long its been since they repo'd, you might have a chance. That is what I would do. Filing bankrupcy is a huge deal, no matter what situation you're in. Thats too bad, your brother should have came to you when he was in trouble. Can't pick your relatives though. Good luck. |
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obino
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no you did not, just another price paid for knowladge. |
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