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My parents bought me a car in 2007, but I have always paid the payment. When it was originally bought, I owed $18,000; now i owe $7,000. I am moving to mississippi in 6 weeks (I HAVE TO because of my job) so I need to put the car in my name. I tried to get a loan (refinance it in my name) but they will not give it to me because of limited credit history. I also cannot get a co-signer because all of the people who would do it have bad credit (including my parents). So how can i take the car to GA, (I live in FL) if it is not in my name, or how can I get it in my name? Please dont say buy a new or used car; i cant get a loan and i cant afford to pay cash, but I HAVE to move in 6 weeks, and I HAVE to have a car (obviously). Please any advice or help would be much appreciated.
The only way to change ownership of a title that has a bank lien on it is to either pay off the balance in full or refinance, which you have already said isn't possible. But, the title does not have to be in your name to get the registration changed between states. The title will remain a mississippi title until it's paid off, the bank mails you the title with lien release, and you turn it into whatever state you are living in at the time to file for a clear title in your name. When you get to GA, either go to the local tax accessor (or look it up through the State of Georgia government website) and ask what the steps are to get the registration changed over and what you need to pay each year. Each state is different. Hope that helps. Call the insurance company that has the car covered now. As long as the vehicle has the standard coverage that is required by the lienholder, and you are the primary driver of the vehicle, you should be able to have the insurance in your name even if the title isn't in your name. My first car was in my parents name too, but I had the insurance in my name. This is mississippi though. If your insurance company cannot do that, I would suggest calling a few more insurance companies.
I'm afraid you will have to continue payments until the loan is completely paid. The loan was originally in you parents name, and that will not change. Sounds like the finance company wants the car to resell if they denied you to place the car in your name knowing you have made the payments all this time. I would get the pay-off on the car (less interest of the loan agreement) and try a reputable finance source such as a bank. The car should stand for the amount of the loan "pay off" . Poor credit from friends and parents has placed a road block in front of you that's going to be hard to get around. There is no law that say's you cannot take the car to Georgia, even if your parents are the contract owners after the loan is paid. Until then the owners are the institute that financed the loan in the beginning, who refused to assign you over. I would sell the car at fair market value + $300.00 and pay off the loan. You should have enough to purchase good transportation in your name.
When the car was bought there was a form that was filled out called a "transfer paper". That transferred ownership from the car-lot to the signees(in this case your parents) when they made full payment on the car. It now belongs to them. You are making payments on it so that you can own it(because I am assuming that was the arrangement). Now your parents would be "silly" to transfer ownership over to you when you owe them $7G for it. Not saying you wouldn't pay them back(but you could get away with it and it is they that are out 7 big ones. Am really wondering why you are not talking to the insurance companies (Fl and GA) they have their own set of rules so it seems. As far as I know, the owner of the vehicle must reside in the same state as the vehicle for the insurance to be valid. Guess what? You don't HAVE to have a car(there is no obvious reason) Make your JOB supply you with a vehicle while you pay off your other vehicle. They are the ones that are causing this disruption; and I definitely will not use my vehicle for the company to gain a profit from it.
My mom presently surpassed directly to the excellent beyond and left a vehicle and a house that I had to preserve. I discovered that they'd relatively care much less who sends the money as long using fact the money have been made on time. whether, some lein-holders wanted to be paid in-finished precise then-and-there! if your be certain-in-rules did no longer circulate away any money to pay off bills (even those they made for you), then you may attempt to be certain if the non-public loan is transferrable into your call. in the event that they'll do it then you could word and be approved. (it is been some years so which you by no skill understand, you will get approved). If the non-public loan isn't transferrable nonetheless attempt to make money (they gained't refuse them) and attempt to preserve an small (signature) loan and pay off the lein-holder. i'm hoping my adventure and proposals may lead directly to a pair solid techniques on your end. i'm sorry on your loss.
It is possible. He can call the insurance company and tell them the situation. the vehicle can remain in your parents name. you will be listed as the driver and the rated location of the car will be where it is kept (GA). you can choose to keep the mailing address the same or have it switched to mississippi if you want. Your license will remain in FL. the rate may even go down depending upon where you live in FL. (Miami has high rates) but you will loose the multiple car discount b/c the car is being kept someplace else.
I'm sorry but I don't understand why moving to mississippi means that you have to put the car in your name!?
Forge their signature on title now ur car congrats
I need to sell my son s truck that is registered in his name only in Nebraska. What form of permission do I need him to sign in order for me to sell the vehicle
Can anyone tell what is the correct answer for this question?