You have made a mistake, and you need to unravel the mess.
Oops, bad idea, don't do this,
I put a car in my name and my fiancé was the co-signer
because his credit wasn't good.
Ugh, he sounds dishonest, morally challenged,
Now we aren't together and he stopped paying and everything is on me.
Ouch, added expense, this is going to cost a lot of money,
I also leased a new truck from Acura.
You may need a lawyer, police are not lawyers, so this is not surprising,
I called police to have them retrieve the car, but since he is the co-signer, I was told to contact Acura and have them repossess it.
You have three main things to resolve, and a number of tasks to unravel each,
- You need to retrieve the car
- Since the car is in your name, it is your car, you need to retrieve the car
- Check the laws in your state regarding retrieval of your car.
- You may need a lawyer to get the car back
- Do you have a written agreement that he can retain possession of your car?
- Do you know where the car is located?
- Can you contact him to serve paperwork, locate the car or get the keys?
- Do you have a key? Do you have paperwork showing that the car is yours?
- Do you have a place to keep the car where he cannot take it?
- You need to preserve (or repair) your credit
- You need to keep paying (for both vehicles)
- Contact the leasing company
- explain to them that you are handling the problem.
- keep paying for the car, or work out how to handle any arrears
- can you return the car to them without penalties? what are the penalties?
- Resolve whether to keep or sell the car (or the truck).
- You will have two vehicles (C) 'his' car, and (T) 'your' truck.
- Can you afford to pay for both vehicles?
- If not, then you will need to sell one vehicle.
- Do you want to keep both vehicles?
- If not, you need to sell one.
- You need to decide which vehicle to keep, the car (C), or the truck (T).