"Looking for advice: my boyfriend has been divorced for over two years now. In his divorce decree, they agreed that his ex-wife was to get the car and is responsible for the payments, debt, etc. (the car does have both his and her names on it.)
He’s told her to refinance and or sell the vehicle in the past, and she’s always told him she’d take care of it. The problem is that off and on over these two years, she keeps missing payments resulting in having late payments.
He just received a letter and found out it’s now four months straight of missed payments. This has been negatively affecting his credit and his spirits, and his life.
She doesn’t return his texts/calls whenever it’s about the car, so he’s beyond frustrated. Any tips would be appreciated. Thank you. Help."
TOP ANSWERS (AS SELECTED BY MODERATOR):
“Provide the divorce papers to the loan company and they will remove his name.”
“Since he gets the letter because his name is on the lease and whatnot, he needs to contact the finance company for a fax number or something to send them a copy of the divorce decree with the judge’s signature. Once they have that legal order, they will stop going after him. My dad had to do the same thing with his now ex-wife.”
“Why are so many being so rude? Technically it isn’t her business BUT maybe he doesn’t know what to do and ask her. Have him contact an attorney that did his divorce and ask for advice. That would be your best bet. Also, call the company and show the decree, though this may not help but worth the try.”
“If that man didn’t wife you don’t waste your time concerning yourself with his financial affairs.”
“Wow, some of y’all are nasty and rude. No, technically it’s not her problem to resolve, and maybe I missed where she said she called her. But I don’t see how getting some insight or advice from others on how to navigate or resolve the issue is so wrong. I’ve had a similar situation and no I never said anything to the ex about the problem, but I was listening to my S.O. rant about it. I did my best to be supportive and interject my opinion as needed. So, yeah it is her business. It’s clearly affecting her life and trying to find some reasonable solution to help the spouse seems completely reasonable to me. To the OP, I would definitely have him contact the divorce attorney and get a court order to force a refinance or selling of the car. The attorney can most likely advise him on how to rectify this problem with the credit bureaus. Good luck!”
“People can live together for 80 years and never be married so it may affect her (the girlfriend) and their living. He should contact a lawyer again and deal with the ex.”
“If there is a court order, that sounds like contempt on her part. I would contact the courts.”
“If she was supposed to get the car, take overpayments, and be responsible for the debt then it should have been transferred into her name as soon as the ink was dry on the divorce paperwork. He needs to contact the attorney who took care of the divorce and see if he can force the transfer or the sale of the car to clear the debt.”
“I would have him send the finance company the divorce decree. Most likely he will have to take her back to court because his name is still on the paperwork and they did not have it put in her name only. So due to that, he may still be responsible. I hope it works out.”
“Court papers really mean nothing to these companies. He needs to take her to court. Report it stolen if you have to. He needs to have his name removed asap!”
“The same thing happened to me and the creditor was calling me for the payments because they couldn’t find him. He was screwing up my credit so in return I told the creditor where he was located and told them to stop calling me because I didn’t have the car. I said, go get the car I don’t care if he has no wheels!!!”
Have a response to this question? Leave it below to help a mama out! Or leave your own question and get responses from real moms!
READ ALL ANSWERS BELOW: