STATE OF TEXAS
My ex girlfriend had an auto loan with UFCU, and was able to build her credit well enough to cosign an auto loan for me. Since we were not planning to separate, we put her name on my title as well to keep insurance rates down. A couple months later we did separate and everything was fine with the loans, I was making my payments on time and keeping current insurance on the car. Next thing I know my car is being repossessed. I then found out that she had wrecked her vehicle with no insurance, and defaulted her loan. Since she was on the title of my vehicle they had no choice but to cut there losses by recovering my vehicle. We are now both equally responsible for paying the remaining balance of my car after it was auctioned off. It's been over a year and I've made several attempts to contact her regarding this issue and had no success. She doesn't seem to care at all, I know for a fact she's not dealing with her other car loan either. I've talked with ufcu many times and there's no way there letting me out of this, they just say my ex girlfriend and I need to figure out our own terms on getting this paid off. I really need help with this issue. I know I'm gonna have to be the one to pay it off and I can, but i need advice about taking her to small claims court and my chances of actually winning the case. The total amount due is about $900. How much could I recover, only half? Could I recover all of it? And what about the payments I made on the car before it was repossessed, is any of that recoverable? This is just some of the questions circling in my head. If anybody could help me understand my situation better I would greatly appreciate it. Thanks in advance and I hope this can help someone else too.
My ex girlfriend had an auto loan with UFCU, and was able to build her credit well enough to cosign an auto loan for me. Since we were not planning to separate, we put her name on my title as well to keep insurance rates down. A couple months later we did separate and everything was fine with the loans, I was making my payments on time and keeping current insurance on the car. Next thing I know my car is being repossessed. I then found out that she had wrecked her vehicle with no insurance, and defaulted her loan. Since she was on the title of my vehicle they had no choice but to cut there losses by recovering my vehicle. We are now both equally responsible for paying the remaining balance of my car after it was auctioned off. It's been over a year and I've made several attempts to contact her regarding this issue and had no success. She doesn't seem to care at all, I know for a fact she's not dealing with her other car loan either. I've talked with ufcu many times and there's no way there letting me out of this, they just say my ex girlfriend and I need to figure out our own terms on getting this paid off. I really need help with this issue. I know I'm gonna have to be the one to pay it off and I can, but i need advice about taking her to small claims court and my chances of actually winning the case. The total amount due is about $900. How much could I recover, only half? Could I recover all of it? And what about the payments I made on the car before it was repossessed, is any of that recoverable? This is just some of the questions circling in my head. If anybody could help me understand my situation better I would greatly appreciate it. Thanks in advance and I hope this can help someone else too.
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