Legal Question in Family Law in Illinois

Take over auto payments

My ex is wanting to take over car payments and take the car out of state. The car is in MY name only. I/we still owe $11K, but car is worth only $8Kish. She can't refi, as she doenst have enough cash to pay differece. I can't take it back as I am unemployed and can't handle 2 car payments. What do I need to do to cover myself/credit wise, insurance wise, repayment wise?


Asked on 5/15/09, 8:34 pm

1 Answer from Attorneys

Sue Roberts-Kurpis, Esq. Law Office of Sue Roberts-Kurpis

Re: Take over auto payments

Who was the car awarded to at the time of the divorce? Usually such property is awarded to one spouse or the other subject to payment of any liens. There might be a refinancing requirement and a clause whereby one party agrees to indemnify the other against any adverse action. That is about all you can do to protect yourself. Any decision you make should depend on what your wife does for a living and her current employment status, her reliability and the relationship between the two of you post-divorce. If you don't trust her to make the payments in a timely manner, you may want to take the car back and turn it back to the dealer or let it be repo'd. You should also check your contract to see if you can legitimately move the car out of state on a "permanent" basis. If you allow your wife to take the car out of state on a "permanent" basis, thereby depriving the lender of the ability to repossess the vehicle, you could possibly face suit for the full amount owed since the lender cannot sell the vehicle at auction to recoup some of its losses.

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Answered on 5/15/09, 9:44 pm


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