 Dear
Terry,
I co-signed a car loan for my boyfriend. We parted
because of domestic violence and I have a restraining
order against him. He is behind on the car payments
and the bank is starting repo procedures. I would
like to get the car, get the payments up to date
and continue to make the payments on time. Can
I hire a repo company to get the car for me, as
he will not give it to me? The bank said if they
repossess the car I must pay the entire loan off,
not just get it up to date. Can you help me?
-- Mona
 Dear
Mona,
The big question here is whether your name is on the title to the car as owner or co-owner. You can co-sign a loan and not have a legal interest in the car. If that's the case with your ex-boyfriend, you may not have any rights to take possession of the car. If you are listed as an owner or co-owner, you have some ownership rights. You need to contact a lawyer to see where you stand.
If you're ever tempted to get into
bed financially with someone that is not your
spouse, make sure the title is in both your names.
It may not make things easy if the relationship
goes bad, but you at least will have legal standing
to protect your interests.
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