I co-signed on an auto loan

[woodman]

What a stupid thing to do. My wife's granddaughter asked me to cosign on an auto loan. The loan was for about $15,000. I had co-signed a much smaller auto loan for her and she performed flawlessly so I figured I could trust her. Wrong. She took off work and went on vacation, missing the first two payments. I did not find out about this until it had already affected my credit. She never once called me to explain. She was totally incommunicado. Her Mom, my stepdaughter, when confronted with her daughter's malfeasance, took her side, saying how poorly she was doing and the whole 'poor thing' attitude. She sure had plenty of money for tattoos and pet dogs though.


She got current after that and for about a year things were ok. In February I got a call from the bank, she was delinquent again and I made a payment to protect my credit. I never got so much as a thank you from her and I had to make many calls to finally get her to contact me about it. I told her, I wanted off the loan and she said she would take steps. Her credit is bad, so she was unable to refinance and I am still stuck as co-signer. When she contacted me, she was extremely arrogant and had no clue why I would be angry. She said nothing about when she could pay me back for the payment I made, but she claimed she had signed up for auto pay, out of her checking account.

Last week, I got a call from the bank again. Late on payment. Well, I have had enough and really don't know what to do. This is affecting my peace of mind and whatever I once felt for her is turning into something quite dark. I am listed on the title as co-owner. I don't know if this is good or bad. I have gotten conflicting advice from two separate lawyers. One says to pay off the loan and take assignment of the paper agreement which would make me the one she owes and allow me to repo the vehicle. I think he is wrong, but what do I know? The other lawyer says that I should immediately take steps to take possession of the vehicle, since I am on the title, it is as much mine as hers.
I am leaning toward taking possession of the vehicle and forcing her to sign off on it. I don't know if it would be a successful endeavor but if I am responsible and must make the payments, then I should have possession of said vehicle. She (I) owes around $14,000 at this time. I am unable to find out where she is at and no-one will tell me. This is what amazes me the most is that her mom, my stepdaughter actually feels she is in the right and won't tell me where I can find her. She says she doesn't want to get involved.

Anyway, I am pissed. I got a copy of title and a dealership is supposed to make me a key and fob for it. I intend to find her, one way or another and take the vehicle.

What a deal! I will never co-sign a loan again.

[madfranks]

Sorry to hear that! When I was younger I benefited from my parents co-signing an auto loan for me, but I never missed a payment.

[Jewboo]

The loan was for about $15,000.

She (I) owe around $14,000 at this time.



Yes you do.

:rolleyes:

[midnight rambler]

What's the big deal?? Tattoos are a GREAT investment! You may not always have a car but you'll ALWAYS have those tats!

Seriously, I would locate that car and recover it forthwith. Hire a PI if you have to. Everyday you put off recovering it means more money you will be pouring into the situation. The car can't be worth $14k now.

[woodman]

Yes you do.

:rolleyes:

It is a bitter thing. What is the most disturbing is finding out just what people really are. You think you know someone, but you don't. A number of people owe me money. No great sums but add it all up and it is significant. I am starting to see that many people are almost animals but wearing human skin. This is a horrible way to see my fellow man. I must find a way not to dwell on it and see them in a better light.

I am responsible for all of this. Long ago, I made a decision to be financially responsible. I was close to bankruptcy once but did not go through with it. I payed everything off and started anew.

[Cebu_4_2]

I paid nothing off ever. Fuck them. many want to do loans through me. Once they find out they are responsible for my BS they bail. My BS is all the other BS people that bailed. All ends quickly.

PS I have never owed on anything, except the bank defrauding me. Fuck them.

[woodman]

I paid nothing off ever. Fuck them. many want to do loans through me. Once they find out they are responsible for my BS they bail. My BS is all the other BS people that bailed. All ends quickly.

PS I have never owed on anything, except the bank defrauding me. Fuck them.

I understand the sentiment of 'Fuck the Bank', but the bank will fuck you, if you don't pay them. I made an agreement and I will stick to it regardless. I know that I have already lost a significant sum. The vehicle won't sell for what is owed and that is 'if' it is not damaged. I will probably be talking to a PI.

I don't intend on paying off the loan until I get possession and clear title. My credit will suffer if I don't make payments for her, but at this point I will no longer do it, so the loan will go into bad territory, certainly not repossession but it will get reported as delinquent, I'm sure. I just see it as foolish to continue making payments for her.

[Jewboo]

My wife's granddaughter asked me to cosign on an auto loan...Her Mom, my stepdaughter, when confronted with her daughter's malfeasance, took her side, saying how poorly she was doing and the whole 'poor thing' attitude. She sure had plenty of money for tattoos and pet dogs though...I am unable to find out where she is at and no-one will tell me. This is what amazes me the most is that her mom, my stepdaughter actually feels she is in the right and won't tell me where I can find her. She says she doesn't want to get involved.






It is a bitter thing. What is the most disturbing is finding out just what people really are. You think you know someone, but you don't....This is a horrible way to see my fellow man. I must find a way not to dwell on it and see them in a better light.



https://i.4pcdn.org/pol/1448951776779.png

You must find a way to see them in a better light? NO. You apparently need to spend some time at 4chan to understand that you are a "cuck".

:rolleyes:





Your own sig line: " If you are on the wrong road progress means doing an about-turn and walking back to the right road and in that case the man who turns back soonest is the most progressive man. There is nothing progressive about being pig-headed and refusing to admit a mistake..."

[hoarder]

Somewhat related note....I had a hernia surgery around Christmas. I asked the surgeon, hospital and anesthesiologist what the costs would be. The hospital said $4400 if I paid it off in 48 hours after surgery, which I did. Then a few days later they called and said it cost more and that I owed them another $6500. They couldn't really explain why, the terminology and acronyms were kinda confusing. I told them to sue me and the hospital could explain in a courtroom why the right hand doesn't know what the left hand is doing. Now I get calls and letters from collection agencies regularly.

Moral of the story for Woodman: Fuck credit. I can live without credit.

[woodman]

Somewhat related note....I had a hernia surgery around Christmas. I asked the surgeon, hospital and anesthesiologist what the costs would be. The hospital said $4400 if I paid it off in 48 hours after surgery, which I did. Then a few days later they called and said it cost more and that I owed them another $6500. They couldn't really explain why, the terminology and acronyms were kinda confusing. I told them to sue me and the hospital could explain in a courtroom why the right hand doesn't know what the left hand is doing. Now I get calls and letters from collection agencies regularly.

Moral of the story for Woodman: Fuck credit. I can live without credit.


I agree on the credit issue. I can certainly afford to pay off this loan and I will, as soon as I get possession and clear title. At this point I do not want this creature to benefit in any way from me financially. I want to crush her arrogant ass.

I have noticed a very underhanded tendency of the hospitals and doctors offices sending multiple Billings, one after another. They have created many separate entities that all get their fingers into the pie. It is devious and underhanded. The only debt I have against me as far as unpaid and in collection is a hospital bill. I won’t pay it because I don’t feel I owe it. They have fined me many thousands of dollars for not having health insurance. Let them take it out of that.

as far as credit rating, it can be useful to have a high score. Insurance is cheaper and credit cards with a percentage back are available.

[woodman]

https://i.4pcdn.org/pol/1448951776779.png

You must find a way to see them in a better light? NO. You apparently need to spend some time at 4chan to understand that you are a "cuck".

:rolleyes:

yes, I have been a cuck. Haven’t we all? Learning is painful and I hope this tale prevents others from doing what I did.

[woodman]

https://i.4pcdn.org/pol/1448951776779.png

You must find a way to see them in a better light? NO. You apparently need to spend some time at 4chan to understand that you are a "cuck".

:rolleyes:

What I actually said was:
"This is a horrible way to see my fellow man.
I must find a way not to dwell on it and see them in a better light.
" What you quoted from me is in red. I feel that having negative feelings toward humanity in general is harmful to my spirit. I believe I am justified in my negative attitude toward my step daughter and step granddaughter. I always thought of her as my daughter but now the 'step' has crept in as I don't want to acknowledge any blood relation.

So you see, what I am saying is that I am outraged at the lack of integrity of my fellow man, but at the same time, seeing them as mere animals is not a healthy attitude either. Of course I am not a Ghandi or a Christ but it would benefit me, more than them, for me to have some kind of loving attitude toward my fellows, as I have to deal with people every day.

What I am beginning to see is that although I have tried to wake up many, and help many, they actually resent it and perhaps they are not sleeping at all. Perhaps that part of them that I am trying to wake up has never been alive. So they are dead, not sleeping and any attempt to wake them is futile and they may as well be considered enemy minions.

People have come to me for help and I can't help but think now, that they look at me as weak for having compassion.

[Atocha]

No problem. Since your name is on the title pick the car up and drive it to the bank/finance company parking lot and tell them to have at it. Hard to arrest someone for Grand Theft Auto when your name is on the title. (Found that out during a divorce.) lol

Or don't pay another dime and let them come get the car from her.

Once it goes into default, they will sell it and there will be a balance.

They will come after you and her for that balance.

Depending on your age and if you own your things are what, big deal...

I do not know what State you are in but here where I live they cannot withhold money from your paycheck for debts.

You are going to pay something because you cosigned... The question is how much are you going to pay? The whole amount or some?

The you will have the satisfaction of knowing this case is closed and she is without a ride.

I am old, experienced and treacherous. I do not like the taste of sh*t anymore.

[Atocha]

What's the big deal?? Tattoos are a GREAT investment! You may not always have a car but you'll ALWAYS have those tats!

Seriously, I would locate that car and recover it forthwith. Hire a PI if you have to. Everyday you put off recovering it means more money you will be pouring into the situation. The car can't be worth $14k now.

Agreed!

[Atocha]

Somewhat related note....I had a hernia surgery around Christmas. I asked the surgeon, hospital and anesthesiologist what the costs would be. The hospital said $4400 if I paid it off in 48 hours after surgery, which I did. Then a few days later they called and said it cost more and that I owed them another $6500. They couldn't really explain why, the terminology and acronyms were kinda confusing. I told them to sue me and the hospital could explain in a courtroom why the right hand doesn't know what the left hand is doing. Now I get calls and letters from collection agencies regularly.

Moral of the story for Woodman: Fuck credit. I can live without credit.

I am going through this next Monday but I have medical insurance. Cigna has a contracted price with the doctor's and such along with the hospital. My out of pocket maximum is $4000. I pay that but it is Cigna's responsibility after that... $1500 deductible... 80/20 percent... Max $4000 out of pocket for the year...

Putting mesh on both sides... Uff

[Jewboo]

yes, I have been a cuck. Haven’t we all? Learning is painful and I hope this tale prevents others from doing what I did.



https://m.media-amazon.com/images/I/A13usaonutL._CLa%7C2140,2000%7C41xh5DiTnWL.png%7C0 ,0,2140,2000+0.0,0.0,2140.0,2000.0._UX342_.png
Exactly. I myself wore this shirt as a "step-father" and had to finally look in the mirror and admit my own naive stupidity. You are just now slowing entering the helpful anger phase of this self-discovery. This is still your Duh moment. I already had mine. I'll rub it in more if you need it.

:D


https://thesaurus.plus/img/antonyms/482/naive.png

[Jewboo]

Somewhat related note....I had a hernia surgery around Christmas...



The month I turned 65 I had it done with Medicare and my out-of-pocket expense was exactly $100 total. Wore a cheapo $25 hernia belt for a painful year prior to the surgery...

:(??

[Atocha]

The month I turned 65 I had it done with Medicare and my out-of-pocket expense was exactly $100 total. Wore a cheapo $25 hernia belt for a painful year prior to the surgery...

:(??

I am almost at the point of having to wear a belt but I cannot wait 5 more years for Medicare. It is becoming more and more painful. It is hell getting old.....

I tell these young guys at work. Don't lift heavy things or it will get you later. That was my problem. I thought I was superman... Now I pay for it.

[Tumbleweed]

I had a hernia fixed with mesh on the inside before I went on medicare and the charge was about $15,000. I was paying Blue Cross Blue Shield over $10,000 a year in premiums and they paid it. It also cost them about $150,000 for five bypasses done on my heart four years ago.


Woodman since you can't find the car you own half of have you checked in to reporting it stolen?

[Jewboo]

I am almost at the point of having to wear a belt but I cannot wait 5 more years for Medicare.



Maybe a belt now can prevent further damage? I could not have gone beyond that one year with just the belt...too painful at the end...

:(??

[Cebu_4_2]

Woodman since you can't find the car you own half of have you checked in to reporting it stolen?

That would do it.

[woodman]

I had a hernia fixed with mesh on the inside before I went on medicare and the charge was about $15,000. I was paying Blue Cross Blue Shield over $10,000 a year in premiums and they paid it. It also cost them about $150,000 for five bypasses done on my heart four years ago.


Woodman since you can't find the car you own half of have you checked in to reporting it stolen?


I cannot report it stolen because she is on the title along with me. My understanding is she cannot claim it is stolen when I take it, which is what I intend to do. I am paying for a consultation with an attorney on Monday and will try to get the real lowdown then. Monday I have an appointment at the local dealership to have a key and fob made. The costs are adding up. This whole thing is so needless. She cannot afford the vehicle, why doesn't she just sign it over? She is a creep and wants to strike back at me for who knows why.

[midnight rambler]

She is a creep and wants to strike back at me for who knows why.

Entitlement.

[Hitch]

I cannot report it stolen because she is on the title along with me. My understanding is she cannot claim it is stolen when I take it, which is what I intend to do. I am paying for a consultation with an attorney on Monday and will try to get the real lowdown then. Monday I have an appointment at the local dealership to have a key and fob made. The costs are adding up. This whole thing is so needless. She cannot afford the vehicle, why doesn't she just sign it over? She is a creep and wants to strike back at me for who knows why.

She doesn't sign it over, because she can drive it for free...while you are on the hook paying for it to protect your credit score. I like your plan of just taking the vehicle, but be careful doing that. You don't know what kind of turd boyfriend, or thug friends, she's in bed with.

I know a repo guy, who gets paid $100 per car he repos. He has a career, and a family, but just does this on the side for a little extra cash (and excitement). A lot of those guys are just independents who do that on the side for a little extra cash. It might be worth looking into kicking down a $100 for a guy to just go get the car for you, instead of getting it yourself. They pull up at night, hitch it up within a minute, and are gone.

[woodman]

She doesn't sign it over, because she can drive it for free...while you are on the hook paying for it to protect your credit score. I like your plan of just taking the vehicle, but be careful doing that. You don't know what kind of turd boyfriend, or thug friends, she's in bed with.

I know a repo guy, who gets paid $100 per car he repos. He has a career, and a family, but just does this on the side for a little extra cash (and excitement). A lot of those guys are just independents who do that on the side for a little extra cash. It might be worth looking into kicking down a $100 for a guy to just go get the car for you, instead of getting it yourself. They pull up at night, hitch it up within a minute, and are gone.


I talked to a repo company. The guy said he would be willing to get the vehicle and tow it to my place for $375. I figure that would be money well spent, all things considered. The distances up here are to be taken into consideration, thus the price. The gas alone for the tow truck could easily run $60 or $70. The towns are small and far apart.

[Hitch]

I talked to a repo company. The guy said he would be willing to get the vehicle and tow it to my place for $375. I figure that would be money well spent, all things considered. The distances up here are to be taken into consideration, thus the price. The gas alone for the tow truck could easily run $60 or $70. The towns are small and far apart.

Sounds good and what I'd do. Thanks for sharing this situation, Woodman, as much as it sucks to go through. It's a good learning lesson for the rest of us. Hope you keep us all updated on how this plays out.

[Cebu_4_2]

Sounds good and what I'd do. Thanks for sharing this situation, Woodman, as much as it sucks to go through. It's a good learning lesson for the rest of us. Hope you keep us all updated on how this plays out.

Pete, I would not cosign
with you.

[Hitch]

Pete, I would no cosign
with you.

That's the other lesson from this thread. Don't cosign with drunk people. Cebu, take care of yourself.

[Cebu_4_2]

That's the other lesson from this thread. Don't cosign with drunk people. Cebu, take care of yourself.

Always do bub.

[vacuum]

I talked to a repo company. The guy said he would be willing to get the vehicle and tow it to my place for $375. I figure that would be money well spent, all things considered. The distances up here are to be taken into consideration, thus the price. The gas alone for the tow truck could easily run $60 or $70. The towns are small and far apart.

Sounds like a good plan.

Will you be able to sell it once you take possession?

[woodman]

Sounds like a good plan.

Will you be able to sell it once you take possession?


It probably won't be that simple. One lawyer I talked to, he was rambling and old, said I would have to have it go through a process of being repo'd and sold at auction to get clear title. It was all pretty confusing as he was talking fast and rambling. It seems that somehow when I pay it off, I take possession of the agreement and when she has totally reneged on the agreement (it goes into repo after 90 days) then I can buy it back through auction, at which time the title will be in my name only. I don't know. Will talk to another lawyer next week. $125 for consultation, but maybe worth the bucks. A real nightmare. I never want to deal with her or see her again, but I don't think I will get off that easy.

[Neuro]

Woodman what does your wife say about this situation? Why doesn’t she deal with HER granddaughter/daughter?

[woodman]

Woodman what does your wife say about this situation? Why doesn’t she deal with HER granddaughter/daughter?

Excellent question Neuro. She says she has tried and the granddaughter will not talk to her. She says her daughter will not even talk to her about the situation. I have made calls to a few different people and nobody wants to get involved. These people are her relatives of course. We have no common friends. In any case they will not give me any info ( say they don't want to get involved). I call it 'Moral Cowardice'. It is a serious condition and it is behind our failure as a people, nation, and civilization, to live amongst each-other in a peaceable, amicable way. It is our downfall and it is the way that demoralizing influences gain and hold sway over our freedom and life.

If my children had ever stolen something, I surely would have slapped their hand. Even as adults I would hold them to be honorable or suffer consequences. Honor, it seems, has no place amongst people anymore.

I get it; she has fallen on hard times. None-the-less she could have called me and pleaded her case, but she is too arrogant and surely feels entitled. Collectivist leanings? I noticed that the girls were always collectivist even as youngsters. Case in point: My parents sent checks to each of the girls for Christmas one year. They took the money and bought each-other presents with it. I guess that is their right, as the money was freely given them, but it illustrates how they can take something and make it all about them, and this somehow tends to minimize the generosity of the original giver and make it seem as though they themselves were the creator and giver of the gift.

[Jewboo]

Woodman what does your wife say about this situation? Why doesn’t she deal with HER granddaughter/daughter?



https://memegenerator.net/img/instances/72211111/cuck.jpg

The REAL grandfather and father of this cunt must be laughing their asses off at cuck "step-father" Woodman.

[woodman]

https://memegenerator.net/img/instances/72211111/cuck.jpg

The REAL grandfather and father of this cunt must be laughing their asses off at cuck "step-father" Woodman.


LOL. Thank you for introducing some humor into this. The picture is hilarious. I am grinning right now, so thanks Book.

[Atocha]

I have always said and still maintain that, "Family Screws You The Worse."

[EE_]

Should have kept your mouth shut, found the car and burned it to the ground. The insurance company would pay off the loan. Done deal.

[Neuro]

LOL. Thank you for introducing some humor into this. The picture is hilarious. I am grinning right now, so thanks Book.

You’re a good sport woodman, perhaps the cheapest option would be for you to leave it as it is, and just pay the payments she miss? The repo-sell-the-car-with-lawyers seems like it could cost you much more... And who knows perhaps she would pay you back what she owes you in the future? Really speak to your wife, and get her involved in it. It is her grand-daughter that is stiffing you. That entitled little bitch needs to understand that there are consequences for her lack of actions and you shouldnt be the one to handle it.

[woodman]

Should have kept your mouth shut, found the car and burned it to the ground. The insurance company would pay off the loan. Done deal.
I don't operate like that. I won't do anything that will make me look over my shoulder or worry that it will catch up with me someday. If you get caught doing something like that, you will end up being someone's bitch in prison. Then you are really a cuck.

[woodman]

You’re a good sport woodman, perhaps the cheapest option would be for you to leave it as it is, and just pay the payments she miss? The repo-sell-the-car-with-lawyers seems like it could cost you much more... And who knows perhaps she would pay you back what she owes you in the future? Really speak to your wife, and get her involved in it. It is her grand-daughter that is stiffing you. That entitled little bitch needs to understand that there are consequences for her lack of actions and you shouldnt be the one to handle it.


The whole thing is just stupid. If she had come to me and said "Papa, I am in trouble and I need help." Then everything would have been totally different. Hell, I might have just paid her payments for her. As it stands, I will make sure she profits not a dime because of her malfeasance, even if it costs me more.

[Horn]

Tell her that the only way in the future to repay you will be she needs to work as a hardwood floor installer.

[osoab]

Sounds like this will be a long and probably pricey process.

She and her allies are probably bad mouthing you around the area. Could that possibly harm any business you have?

[Cebu_4_2]

The whole thing is just stupid. If she had come to me and said "Papa, I am in trouble and I need help." Then everything would have been totally different. Hell, I might have just paid her payments for her. As it stands, I will make sure she profits not a dime because of her malfeasance, even if it costs me more.

Absolutely, all about principle.

[EE_]

I don't operate like that. I won't do anything that will make me look over my shoulder or worry that it will catch up with me someday. If you get caught doing something like that, you will end up being someone's bitch in prison. Then you are really a cuck.

I know you wouldn't, I was just sayin'. When you do one stupid thing and try to rectify it with another stupid thing, that's how you get yourself in a stupid jam.

[Jewboo]

She and her allies are probably bad mouthing you around the area. Could that possibly harm any business you have?



https://mcxv.com/wp-content/uploads/2017/08/metoo-2859980__340.jpg

" My grandmother's husband molested me when I was under age...sniff ."

:rolleyes:

[osoab]

https://mcxv.com/wp-content/uploads/2017/08/metoo-2859980__340.jpg

" My grandmother's husband molested me when I was under age...sniff ."

:rolleyes:




That's racist.

[woodman]

https://mcxv.com/wp-content/uploads/2017/08/metoo-2859980__340.jpg

" My grandmother's husband molested me when I was under age...sniff ."

:rolleyes:





Unfortunately all it takes to destroy a person's reputation is an unfounded accusation.

She has not stooped that low although nothing would surprise me. I saw the step daughter and her husband (who would not return my calls) at another grandson's birthday party today. They looked very smug and happy. I left soon after I arrived because I surely would have made comments and ruined an otherwise happy event.

[woodman]

Sounds like this will be a long and probably pricey process.

She and her allies are probably bad mouthing you around the area. Could that possibly harm any business you have?


I am retired now and am actually turning down jobs. I handed my business over to my son, lent him some seed money and the trailers with tools. I did give him a trailer with the sanders and rider and much other equipment. I cannot give it all away because I believe it would be harmful to his development. Perhaps I will revisit my old thread about my work.

[hoarder]

They looked very smug and happy.It's easy for people to justify just about anything because they have seen all the justifications the government and media make.
Enjoy your retirement! You deserve it!

[Neuro]

The whole thing is just stupid. If she had come to me and said "Papa, I am in trouble and I need help." Then everything would have been totally different. Hell, I might have just paid her payments for her. As it stands, I will make sure she profits not a dime because of her malfeasance, even if it costs me more.

I understand. Go for it! I just wonder how your wife will relate to your actions... You might have that non-Financial cost as well... Perhaps let her know what you are thinking of doing without going into specifics, and let her know that you are forced into this because her granddaughter is screwing you over...

[Neuro]

It's easy for people to justify just about anything because they have seen all the justifications the government and media make.
Enjoy your retirement! You deserve it!

They only have rights nowadays, no obligations, unless you are a white, non-pervert, above 40 male, then you only have obligations and no rights.

[woodman]

Well, the same old shit kept happening; Late on payments, bank buying insurance because she let it lapse and then adding the horrible premium to the loan amount. Very stressful for me. I hired a repo guy and he was able to pick up the vehicle. The windsheild is busted up and the front clip is loose and sagging. It has not been licensed since April, but she has been driving it. I caught up on the payment today and purchased insurance and got the registration up to date. This is getting expensive.

I gave her every chance. I told her that I would let her drive the vehicle until I could find something else for her and she would not do it. Even last night after the repo guy took the vehicle (it is a 2015 Dodge Journey) she was histerical and crying but still would not agree to sign the title over to me. I offered again to make sure she had a vehicle and she said she did not trust me and would not do it. So that's it. I don't know where to go from here but I need to get the title in my name and pay off the bank. I know I will loose a lot of money but it is what it is. I am wondering if I can sue her to get the title in my name and her wages garnished. I guess I will have to pay a lawyer again.

[osoab]

I see the garnishment as a move that will ostracize you from more of the family.

Get the car sold and move on.

[woodman]

I see the garnishment as a move that will ostracize you from more of the family.

Get the car sold and move on.

Can't sell it till she signs off the title or a judge rules in my favor. Until then, I am stuck paying insurance and payments. I will not pay it off until she is off the title. Either way I am screwed. No, I will go after her and make her miserable for the harm she has inflicted upon me. If there is someone who takes issue with the way I handle this, I do not need that person in my life.

[hoarder]

It would be interesting to see what a Lawyer has to say. I bet garnishment is a tedious, expensive and complicated undertaking. I would tell the bitch that I would reimburse any equity she has in it after expenses (probably not a dime, of course).

[Horn]

Is there something wrong with a young millenial woman laying hardwood floors?

They like to sign non-competition agreements...

[Cebu_4_2]

Completely cut her off. It is your car and obligation, the courts will see it as that. Yeah man you got fukt but it could get much worse since you have the obligation. You need to rid yourself of that nut before it costs you bonus extra. The girl is gone, let her go time to fix your shit. Fuck her she will never like you again, depend on that. Fuck her.

[Cebu_4_2]

I am cold but realistic and don't give a fuck about anyone that tries or does fuck me over.

[EE_]

Take the car completely apart and sell the parts on ebay and craigslist. Use that money and the rest out of pocket to satisfy the bank.
If you work hard enough on it, who knows, you might be close to breaking even?

[Horn]

Take the car completely apart and sell the parts on ebay and craigslist. Use that money and the rest out of pocket to satisfy the bank.
If you work hard enough on it, who knows, you might be close to breaking even?

Trump would be proud of that American made injunuity.

[Hitch]

Take the car completely apart and sell the parts on ebay and craigslist. Use that money and the rest out of pocket to satisfy the bank.
If you work hard enough on it, who knows, you might be close to breaking even?

Or, go to dinner in a shitty area, leave the door unlocked and the keys in the ignition. Let the car get stolen. Insurance will cover everything, and then you are free and clear. Easy peasy, Japanesey.

[Jewboo]

Can't sell it till she signs off the title or a judge rules in my favor. Until then, I am stuck paying insurance and payments. I will not pay it off until she is off the title. Either way I am screwed.





https://i.imgflip.com/sn5m1.jpg
Gift her the car my son.

:rolleyes:

[EE_]

Trump would be proud of that American made injunuity.

Speaking of ingenuity...this past weekend, me and a bro were riding in his 4x4 F250 diesel truck crew cab w/6 inch lift, through the swamp/wetlands on some property he owns (appx. 120 acres of hog/deer hunting land).

We were back probably a mile riding on trails next to creeks and swamp area...he decides to back up just as I was telling him we are really close to the (muddy) creek. You can guess what happens next...yep, R front tire goes off the edge into the creek, dug into the mud, left rear was off the ground, front of frame was buried. No way to drive out. (Keep in mind, this swamp has mosquitos and some of the most vicious stinging flies I've seen anywhere)

So Bro calls a friend (lucky to get a signal) we know for help, to go buy the biggest come-along he could find. Meanwhile we hooked up one of his tow straps to a tree 25 feet away, to wait for the friend to get there on a quad.

While we were standing there I said "what would I do if I was in this predicament by myself with no help?" (I was looking at the rear tire in the air). I saw the light bulb go off in his head, he said "tie the strap to the tire!" I said "thaats right! We cinched the strap around the tire and another to the tree. I stood outside guiding the strap to wind up on the tire. He hit the gas and she pulled right out! Eureka!

These trucks can tow 21,000 lbs and produce 935 ft lbs torque.
I don't think you could do this on a vehicle that doesn't have posi-traction. Glad I thought of it though.

[Tumbleweed]

Speaking of ingenuity...this past weekend, me and a bro were riding in his 4x4 F250 diesel truck crew cab w/6 inch lift, through the swamp/wetlands on some property he owns (appx. 120 acres of hog/deer hunting land).

We were back probably a mile riding on trails next to creeks and swamp area...he decides to back up just as I was telling him we are really close to the (muddy) creek. You can guess what happens next...yep, R front tire goes off the edge into the creek, dug into the mud, left rear was off the ground, front of frame was buried. No way to drive out. (Keep in mind, this swamp has mosquitos and some of the most vicious stinging flies I've seen anywhere)

So Bro calls a friend (lucky to get a signal) we know for help, to go buy the biggest come-along he could find. Meanwhile we hooked up one of his tow straps to a tree 25 feet away, to wait for the friend to get there on a quad.

While we were standing there I said "what would I do if I was in this predicament by myself with no help?" (I was looking at the rear tire in the air). I saw the light bulb go off in his head, he said "tie the strap to the tire!" I said "thaats right! We cinched the strap around the tire and another to the tree. I stood outside guiding the strap to wind up on the tire. He hit the gas and she pulled right out! Eureka!

These trucks can tow 21,000 lbs and produce 935 ft lbs torque.
I don't think you could do this on a vehicle that doesn't have posi-traction. Glad I thought of it though.


I don't want to derail Woodmans thread but Hannah Barron and her daddy did something similar when they got stuck in this video.





https://www.youtube.com/watch?v=W3BJHf2tj9E

[Half Sense]

Something similar happened recently in my extended family. Girl graduating from college throws a hissy fit at her graduation ceremony because Daddy won't buy her a $60k car. Daddy offers a FREE 2017 Hyundai but that's like throwing garbage in front of her apparently. Daddy says it's the Hyundai or nothing. Girl says nothing then and won't talk to Dad.

A month goes by, still no word from the girl. Then one day they get a phone call from her - "Come Outside". She had driven 350 miles in her new $50k Jeep so she could stick it in Daddy's face. Where'd she get the money for the Jeep? She doesn't have a job and is living with boyfriend's Granny. She sobbed to Granny about Daddy being a Meanie, so Granny drained her bank account, put in her life savings of $15k and co-signed on the Jeep.

Now Granny's life is ruined because she has to make the Jeep payments as well as support the two college-degreed layabouts.

[midnight rambler]

Granny deserves what she gets for being stupid in a no stupid zone.

Next episode: gf breaks up with grandson.

[old steel]

Damn this thread is a real life horror story, my heart goes out to you woodman.

[hoarder]

Granny deserves what she gets for being stupid in a no stupid zone.Women are pre-wired in the nurturing mode. Not their fault. They don't like to see people with "negative" emotions so they try to repair them.
Men tend to learn that sympathy belongs in the dictionary between shit and syphilis.

[Hitch]

Women are pre-wired in the nurturing mode. Not their fault. They don't like to see people with "negative" emotions so they try to repair them.
Men tend to learn that sympathy belongs in the dictionary between shit and syphilis.

Added to this...it's really elder abuse. Older people do not realize the narcissistic "it's all about me me me" culture social media has created with our youth. The situations in this thread are eye opening to those of us that are older, but this entitlement mentality today, is very real.

[Neuro]

Best way for you to get out of your current predicaments Woodman would be if you died. I am thinking a boating accident. Perhaps go out on a fishing trip in a dingy boat that you let sink, make sure you don’t have any life insurance your current wife or family would benefit from, trash the car completely before you go and your wife’s granddaughter would be stuck with it.

Write a suicide note, highlighting how depressed the current situation has made you, with their lack of responsibility and love towards you who did his outmost in trying to help out to the best of your ability so they feel really bad about their actions (or lack there of).

Horn will help you relocate to a nice comfortable life in Costa Rica.

[woodman]

Best way for you to get out of your current predicaments Woodman would be if you died. I am thinking a boating accident. Perhaps go out on a fishing trip in a dingy boat that you let sink, make sure you don’t have any life insurance your current wife or family would benefit from, trash the car completely before you go and your wife’s granddaughter would be stuck with it.

Write a suicide note, highlighting how depressed the current situation has made you, with their lack of responsibility and love towards you who did his outmost in trying to help out to the best of your ability so they feel really bad about their actions (or lack there of).

Horn will help you relocate to a nice comfortable life in Costa Rica.


This whole thing has caused a lot of anger in me. That is probably the worst thing to come of it. Anger, resentment and incredulity at the stupidity of it all. I owe the bank around $14,000 and the vehicle is probably worth about $9,000 as it is. I suppose I could just keep it and drive it or I could sell it. Gonna have to take her to court though, in order to get the title in my name. According to the lawyer it will cost two or three thousand dollars for his fee. If I knew the law better, I would tackle it myself, but I am clueless about how to progress and I don't want to chance screwing it up. So it looks like I will take a hit for $8,000 along with all the emotional aggravation. Oh well, I can weather this fine. The stupidity of it all really pisses me off though. I hope I can have her wages garnished. At this point the only possible reason she could have for not signing over the title is to cause me misery. I don't know why.

[woodman]

I talked to the lawyer about taking the issue to court, to get the title in my name. It will cost at least $1500 to hire him to initiate the procedure. If she answers the suit and fights the action, then it can run up as high as $5,000 he says. He said that most of the time they don't even file an answer to the action and by default a judgement would be made in my favor. I asked if I could do the legal action myself and he said it was beyond my abilities. I called the court to get some info and they wouldn't give me much, just said that I needed to know what form to file, but they could not tell me. So this is where it stands; I can either do nothing and sit with the vehicle in limbo and open to seizure by her, just as I had it taken from her, or I can pay the lawyer $1,500 to get the ball rolling. I could offer her money to sign off the title but that is even more bitter than paying the lawyer. So there it is. I would rather pay the lawyer $1500 than offer her a penny.

Edit to add; The lawyer says that going after her for money would be a whole different deal and likely not worth it.

[Ares]

I talked to the lawyer about taking the issue to court, to get the title in my name. It will cost at least $1500 to hire him to initiate the procedure. If she answers the suit and fights the action, then it can run up as high as $5,000 he says. He said that most of the time they don't even file an answer to the action and by default a judgement would be made in my favor. I asked if I could do the legal action myself and he said it was beyond my abilities. I called the court to get some info and they wouldn't give me much, just said that I needed to know what form to file, but they could not tell me. So this is where it stands; I can either do nothing and sit with the vehicle in limbo and open to seizure by her, just as I had it taken from her, or I can pay the lawyer $1,500 to get the ball rolling. I could offer her money to sign off the title but that is even more bitter than paying the lawyer. So there it is. I would rather pay the lawyer $1500 than offer her a penny.

Edit to add; The lawyer says that going after her for money would be a whole different deal and likely not worth it.

It's called a Quiet Title Action:

https://www.thebalancesmb.com/using-quiet-action-to-establish-true-ownership-4160987

Basically you are contesting full ownership and give her 30 days to respond or contest ownership. If she does not the car is yours and with a judgement on file you can do whatever you want with the car.

[Jewboo]

At this point the only possible reason she could have for not signing over the title is to cause me misery....I could offer her money to sign off the title but that is even more bitter than paying the lawyer. So there it is.



https://i.imgur.com/He742tG.jpg

Dump her grandmother if she is your current wife. That will instantly motivate her "innocent bystander" mother to finally end your cuck embarrassment and this thread.

:rolleyes: somebody had to say it...

[hoarder]

It would be a shame if the car burned down and insurance paid it off.

[woodman]

https://i.imgur.com/He742tG.jpg

Dump her grandmother if she is your current wife. That will instantly motivate her "innocent bystander" mother to finally end your cuck embarrassment and this thread.

:rolleyes: somebody had to say it...

I am not embarrassed. I am a very decent person who made a mistake and was too trusting. It would seem you are suffering my embarrassment for me, kind of Christlike. This thread has served a useful purpose if it is cautionary to anyone who reads it. It has served me well because Ares may have just solved my plight. He at least has come up with something of substance.

[Jewboo]

What a stupid thing to do. My wife's granddaughter asked me to cosign on an auto loan....Her Mom, my stepdaughter, when confronted with her daughter's malfeasance, took her side...This is what amazes me the most is that her mom, my stepdaughter actually feels she is in the right...She says she doesn't want to get involved.





I am not embarrassed. I am a very decent person who made a mistake and was too trusting...



LESSON ONE: This is the very definition of "cuck". Resources going to another man's child instead of your own children.

LESSON TWO: It is embarrassing that you still conflate being naive with being "very decent". You were right the first time.

:(??

https://66.media.tumblr.com/92b5a579285e8f4785a76562b282b5b1/tumblr_inline_pg4x022ohB1sqmymu_540.png

[osoab]

How do you get a title to a car still under a loan?

[midnight rambler]

How do you get a title to a car still under a loan?

First of all, there's no such thing as a 'title' for an automobile UNLESS one gets the MSO (aka Manufacturer's Certificate) upon 'first sale'. The Manufacturer's Certificate IS the title. Virtually everyone gets conned out of the actual title when they 'register' the car via the "Application for Certificate of Title" at which point they 'deliver' (means surrender) the MSO to the State. The state then issues the Certificate of Title (a certificate is NOT the actual document, a certificate is merely a document that 'certifies' something exists, some condition met, etc.).

So when a loan is take out on an automobile a lien is placed on the Certificate of Title. Once the loan is paid off the lender (bank, auto title loan company, etc.) removes the lien from the Certificate of Title which at that point makes the (Certificate of) Title 'clear'.

[Cebu_4_2]

How do you get a title to a car still under a loan?

The court will remove her name from the title and leave in just Woodmans name. The loan agent will remain on the new title.

[vacuum]

Why not give the car to one of your kids?

Don't let anyone know about it, not even your wife.

[woodman]

LESSON ONE: This is the very definition of "cuck". Resources going to another man's child instead of your own children.

LESSON TWO: It is embarrassing that you still conflate being naive with being "very decent". You were right the first time.

:(??

https://66.media.tumblr.com/92b5a579285e8f4785a76562b282b5b1/tumblr_inline_pg4x022ohB1sqmymu_540.png


You know Jewboo; A person is only as smart as they are wise. It is analogous to the speakers on a stereo system or the tires on a car; You can have a Lambourghini in excellent shape, but if the tires are junk then the vehicle will not navigate the highway as well as a beat-up volkswagon. If your $1500 stereo has shitty speakers then the sound is going to suck no matter what. So it is with intelligence; You can have the ability to solve problems brilliantly; Your IQ may be off the charts; The fact is: If you are gullible, all your intellect comes to naught. All your problem solving abilities are negated if you fail to identify the problem that must be solved. I am a far wiser man than I was when I signed that paperwork because I have lost my gullibility.

It is a fine line we walk. Life is worthless if we cannot, at least occasionally, see the world through the eyes of a child, marveling at the beauty and richness around us, but we must constantly be on guard, because our openness and honesty can be the very thing that leads us into trouble we cannot get out of; waters we cannot navigate; a prison we innocently walk into. I am reminded of a very fine poem by Wordsworth: Intimations of Immortality. I imagine you are familiar with it. I will post a stanza here that I feel is germain.



Our birth is but a sleep and a forgetting:



The Soul that rises with us, our life's Star,
60


Hath had elsewhere its setting,



And cometh from afar:



Not in entire forgetfulness,



And not in utter nakedness,



But trailing clouds of glory do we come
65


From God, who is our home:



Heaven lies about us in our infancy!



Shades of the prison-house begin to close



Upon the growing Boy,



But he beholds the light, and whence it flows,
70


He sees it in his joy;



The Youth, who daily farther from the east



Must travel, still is Nature's priest,



And by the vision splendid



Is on his way attended;
75


At length the Man perceives it die away,



And fade into the light of common day.





We are all Cucks Jewboo. Thank you for pointing out what a dumb cuck I 'was' and please keep it coming. I don't want to miss out on any fine criticism that may help me to be a finer man, a 'very decent person'. Thank you sir. May I have another?

[Jewboo]

The fact is: If you are gullible, all your intellect comes to naught. All your problem solving abilities are negated if you fail to identify the problem that must be solved. I am a far wiser man than I was when I signed that paperwork because I have lost my gullibility...

...We are all Cucks Jewboo. Thank you for pointing out what a dumb cuck I 'was' and please keep it coming.



Perfectly stated. This is now a truly educational thread for young men. I too was also once a naive cuck "step-father" and her biological father got a free genetic ride on my back. Our own moral parents sadly conditioned us into being chumps.

Shami woke me up in this thread (http://gold-silver.us/forum/showthread.php?91449-Cuckoo-Birds-The-Origin-of-the-Word-Cuckold)