Need advice on getting myself out of a bad spot

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So i’m in a bit of a situation. A few years back i helped my GF (now Ex) with a car loan.

Now I didn’t realize it at the time. But the way the dealership wrote it. I own the loan (it’s not joint / co-sign). But the title is in her name only. So if she stops paying i really can’t do anything about it. I’m not sure how this was even legal.

Im trying to avoid being on the hook for a $700 a month Car payment or hurting my credit.

What are my options? Can i buy the title from the bank and refinance in my name. I have very good credit. There is like 10K left on the loan. I know i could get a personal loan and just pay it off. But i wanted to see if there was any option where i’m not just out 10k with no asset to speak of.

Posted Mar 27, 2026, 8:14 PM UTC

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