Dear Terry,

I bought a car in 2006 and my daughter bought a similar car in 2006. My car was purchased June 29 and hers was purchased around July.

Something went wrong with the paperwork on my car and I had to redo it. There was also a problem later with my daughter’s paperwork. According to the salesman, they needed my signature on both papers and my daughter had to also re-sign her papers.

My daughter defaulted on her car loan, and now her loan company is after me for payment. According to her loan company, my name is the only one on the deal. They came and took her car and sold it.

Now they say I owe $13,000-plus for her car. I’m still paying for my car. I don’t have that kind of money to pay off two cars. And what happened to her papers for her car?

I feel like I was swindled by this dealership. Is there anything I can do? My daughter’s loan company keeps calling me for payment.

— Jean

Dear Jean,

Without knowing what was wrong with the original loan papers, it’s hard to know what course of action you should take. Did the dealership say the original loans didn’t go through and they had to renegotiate the sales?

You and your daughter should have copies of all the pertinent documents so you can compare them. If not, you face an uphill battle here.

Ask the loan company for copies of the loan agreement. Did you see your daughter sign the agreement? Practically speaking, can your daughter help pay off the outstanding amount?

With all these unknowns, you’re probably going to need a lawyer to sort this out.

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