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My husband passed away a few months ago. He had a camper loan that was only in his name. Since we were married, it was awarded to me by a judge. I want to pay it off because I have someone who wants to buy it. The company will not discuss it with me because the loan was only in his name. I explained the situation and that I just want to pay it off. I am afraid to send what I think is the payoff because I am not sure they will send me the lien release. I am trying to do the right thing. What will happen if I don't pay it off?
Thanks to everyone. There were a lot of great answers. I think I will try speaking with a manager. I can't go there because the loan co. is in ohio and I am in MO. I have faxed them a letter explaining everything. I also faxed with it, a copy of his death certificate and a copy of the court document awarding it to me. In my state, everything goes to the spouse when someone dies. That includes debts also. I don't want to ruin my credit but I don't want to send them $16,000 and not get a lien release to be able to sell it with a clean title. By the way, I have already gotten the title in my name, but since the loan is in his name only, they don't want to deal with me.
So sorry for your loss, and now you have to deal with insensitive idiots! Get a copy of the death certificate, as well as the judges award, try to go to the loan company in person and show them the documentation. They need to change the owner ship of the loan to you so you can pay it off. Also the DMV needs for you to get the registration put in your name as well.
Run a lien sale on the vehicle with your motor vehicle department in your state if you are in the USA. It'll grant you title for the vehicle. They'll probably contest it, and if and when they do you can ask for the pay-off amount. They should cooperate with you if you explain your case and prove your rights of ownership. If they don't contest the lien and don't show up before the 30-45 days are up, then you'll become the registered owner and there wont be a debt left on the vehicle because the lien holder failed to prove vested interest in a reasonable time. The lien will also state the amount of daily storage you'll be able to charge for the vehicle. It should be around $30 a day. Use the maximum figure applicable by law which is stated on the lien sale paperwork. Send in the proper paperwork with the motor vehicle department in your state for the processing of the lien. And send a copy of the lien paperwork to all interested parties. Make sure to have the vehicle locked up sufficiently or the current lien holder will send a Repo person and grab the vehicle off of your property without even making contact with you. Contact your local law enforcement agency to file a report that you're starting a lien on a vehicle on your property because the lien holder wont communicate with you about the payoff amount and wont accept your vested interest in the vehicle.
Take the bank the court paper assigning the camper to you. That should do it--call first to make sure. They might be butth s and ask for an original, sealed copy or something. Talk to the highest rank person you can find there.
If you dont pay it off they will probably repo it, if its not in your name you couldn't sell it because you can transfer it to the other persons name, if you were awarded it by the judge you should have paper work proving this, tell them you can fax over proof of now ownership, then they shouldn't have a problem speaking to you, if they still wont get an attorney, they can handle this for you!
He would desire to... yet you comprehend what. it fairly is quite useful to touch your divorce lawyer back. this would get fairly confusing. i'm very shocked they finalized the divorce understanding there replaced right into a house in the two your names. That seems fishy yet i'm useful those issues selection from state to state. yet it fairly is totally unusual the courts did not see this. a house is a extensive deal to the courts. larger then a automobile or student loans. you will would desire to "purchase" him out of the living house. A lawyer can clarify all that to you! you apart from would would desire to understand in case you refi, are you waiting to preserve this loan on your guy or woman? it fairly is confusing to get his call off the loan now days! i actually think of you will desire to touch a lawyer. they might provide you extra effective suggestion then any people can on yahoo solutions. there are maximum of confusing angles to this entire living house with a divorce ingredient.
If it was in his name you don't have to pay.They can't do anything to you. If they repo it they will be taking the equity the judge awarded you.They can't turn down a payoff,they may try if there's alot of equity built up and they have questionable ethics. The courts will set it straight. Block the camper in untill you get a court order to release it to them.
Usually they will need to see a death certificate and then only sometimes they will work with you, but I had a similar issues with Toyota and they wouldn't do anything, so I had a lawyer clear it all up. If they will not work with you, then a lawyer will be your only way.
If they refuse to discuss it with you, tell them to quit talking to you, and take the matter up with your husband's Estate through whatever Law Firm handled the Will; the result will be the same, ultimately, but it will take them far, far longer to get their money, which is what they want....you might mention that to them, too. My sympathy for your loss...
Ask to speak to a manager, and if they cant help ask to speak to his manager, and if they cant help keep going up the chain, bc you prob dealing with some $6 an hour jerk that refuses to help you and do there job, that pisses me off, good luck
Get a lawyer....or declare bankruptcy