what can you do about a boyfriend who is using your credit?

[yhtang]

I thank everyone for there advice, I was really down, he used me and took my life I had no clue he was going to do this to me though He is not bi cerious he is 100% gay hadent had sex with wifie in 18 years only men.

So sorry to hear of your bad experience. Many had given you advice here, so please keep us updated and let us know the outcome.

If it is of any consolation, you can clearly see that there are many people here who feel for you, and who are willing to share their knowledge with you.

 

[B_ccampit]

I truly thank everyone, it has been one hell of a hell raiser for me, he was damed and determaned to try and screw me.. and i needed to try and stop it.. but the advice you all gave was great, I will be posting the results of the out come. ty one and all LPSG members. Ccampit.

 

[lickme69]

If you are the main borrower on the loan and making the payments, then go take the car. If he is just a co signer then he is liable if you do not make the payments.

 

[B_ccampit]

just to let everyone know I am not out to hurt anyone, just to get my credit back is all. He would even understand if it was turned the other way around. I just want to be able to go and get a car for College and work and he has a hold of my credit.

 

[clear]

Hey ccampit,

First off, I'm sorry to read about what happened to you. It's unfortunate that we have individuals in this world that commit the types of crimes, your ex has done to you. I just hope everything works out in your favor, and that you can move on with rebuilding your life; with the lessons your garner from this terrible experience.

Currently, I am trying to research what options you have available to you; concerning the matter of the vehicle, and will post any updates when I come across them. For now though- and from what I have gathered so far -a voluntary repossession is not a wise thing to do. It will have the same negative effect on your credit as a regular repossession would. This is mainly because you will still be held liable for the remaining loan amount- after auction -including the actual cost of the repossession. This is something they refer to as the "deficiency" balance. For more information about this, I reccomend this site:

Voluntary Repossession

Additionally, depending on what state the car was actually purchased in (I don't recall if you mentioned that or not), you might want to contact your state Attorney General (NAAG | Welcome) or local consumer protection agency (Consumer Action Handbook - ConsumerAction.gov Main Page) to learn more about your rights and the specific repossession requirements in your state. You can get the phone numbers for these organizations in your phone book, through directory assistance, or through Web directories.

Also, I recommend you post your exact questions and concerns on the above linked blog Voluntary Repossession. The author appears to be pretty good at commenting in a timely fashion (plus he is well versed in case law for the State of Florida).

Beyond that, I think Vince's suggestion will work in the interim; though his suggestion implies you having to be there in person to over see it of course (which I am not sure is an option for you or not). Please continue to do what you can, and do not let this individual get away with this any longer.

As an aside (and more of an emotional rant)- I Thank God! that nothing like this has happened to me; 'cause honestly, I would have been all over the news, acting a complete and utter fool that day, right along with him. How dare he have the unmitigated gall to pull some crap like that! And don't get me started about the whole apartment thing. Let's just say Miami Beach would have had a brand new car wash that day. I would have razed the whole thing to the ground, along with him in it! But I digress... it did not happen to me.:redface:

Good Luck kind sir! And please keep us posted.

Regards,

T.D.

Ciao-

 

[454925]

I recently had a boy friend who was getting a divorce from his wife met me came to live with me. Talked me into moving to selling my home we moved to Miami Beach florida I purchased a car and put my name on it first and then put him down as a clause(and) he started going out on me and sent me away to Michigan called me from Florida and told me that i had 9 days to think about where I was going to live,throught me out of the apartment and keeped my car and took both sets of keys and abandond me there when I returned. Question. What can I do to get my name off of the car and the Loan that we are both on?.

Dump his ass.

 

[B_ccampit]

Clear. I really appreciate your help. This means so much to me and I dearly thank you.

 

[B_ccampit]

Clear: I think that was so nice of you to go out of your way for me, and a great act of kindness. Thank you once again, Ccampit.

 

[MegaDick]

Hey M., before you do anything, you have to see an attorney. There may be little you can do without damaging your own credit rating.

 

[B_ccampit]

Thank you Megadick I think my goal is to try and not ruin either one of our credit and he can keep the car. I will take all into consideration before aligation. I need to find a way to get my name off of the loan and the title of the car, expecially when he has it. I need to get another loan and its stoping me from getting another car for work and college.

 

[clear]

Clear: I think that was so nice of you to go out of your way for me, and a great act of kindness. Thank you once again, Ccampit.

Ccampit,

It remains my most sincere pleasure sir! I will be here cheering you on, while continuing to hope for a peaceful end to all this. Also, I won't forget to post any additional information I come across; that may be of service to you.

Aside from that, take care, and do remain safe.

Most Sincerely,

T.D.

Ciao-

 

[B_ccampit]

I just found out what i can do about this situation. I just wanted to thank everyone for being so kind. and helping me out..