Don't know what to do

iVillage Member
Registered: 06-10-2006
Don't know what to do
4
Thu, 11-16-2006 - 8:17am
I got home yesterday and found a Dear John letter from my boyfriend of 1 year and him leaving is not what I am confused about as I already felt that there was something wrong with our relationship for a while. The problem is that we have a car that is in both our names and the payments come to the house as does the insurance. I called him twice and left a message on his voice mail and he didn't return my call and when we were dating he stopped talking to me all of a sudden and didn't return my call becuz him and his ex were getting back together and now I'm thinking he might be doing the same thing again as I think he is still in love with her of which he wasn't with me and made that clear in the letter he left me. I really don't want anything to do with him anymore but I don't know what to do about the car as I know even if I find it and go get it I can't afford to make the payments and so they would have to repo it which would ruin my good credit and he won't be able to get it refinanced as his credit is messed up. Is there anyone out here that has gone through anything similar?
iVillage Member
Registered: 05-15-2006
Thu, 11-16-2006 - 11:17am

Im so sorry for your situation. Its unfortunate that you found someone so immature and ill equipped to deal with life that he would run off and leave you with all of the financial responsabilities without at least consulting with you first and trying to set up some sort of plan...
As far as the payments go, unfortunatly, your both responsible for that car financially...
Could you refinance it and get his name off of it? If not, maybe you know someone who would be willing to take over your payments and ultimatly, take over the responsibilty for the car (not a good idea if you need that car, unless someone was willign to pay for it and let you drive it). If not, Id say , repoing the car is your only other option....hard lesson learned though...

Best wishes

iVillage Member
Registered: 06-10-2006
Thu, 11-16-2006 - 8:05pm
Thank you for the response and how true it is what you have said about him. Unfortunately even if I were to refinance the car I couldn't make the payments as I have a new car myself and I sure wish there was someone that would want to take over the payments but as of yet I don't know anyone so I guess in the meanwhile I will just have to pray that he makes the payments. I did finally speak to him today and I asked him to please try to find someone to co sign for him and refinance and he said he would try so I'm hoping that either the car will be sold or he will find someone to co sign for him maybe some other dummy just like me.
iVillage Member
Registered: 08-04-2003
Fri, 11-17-2006 - 3:13pm
Find it and sell it.


Carrie

iVillage Member
Registered: 06-10-2006
Fri, 11-17-2006 - 9:19pm
1st of all thanks for the response and I would do that but the problem is that I don't think the car will sell for what we owe and I would have to come up with the rest which I can't do as we are talking at least about $3000 and I think HE would be better at coming up with that than I would seeing as to how he has 2 jobs. I did speak with him yesterday and told him to try to get a co signer and refinance it and he said he would try how hard he will try I don't know.