First, look into filing a claim of exemption. Next, come up with a payment plan and a convincing reason the creditor would accept that instead of...

The Federal Trade Commission website may have the information. ...

There are online resources to contest wrong credit reporting. You can also sue them. A demand letter from an attorney may get this resolved.

Note, You must respond in the legal way and on time with, for example a motion or an answer with affirmative defenses. Failure to do so could...

If you had gap insurance that may cover that loss. It is their burden, if the sue, to prove the amount due. Put your request for proof in writing.

Consult with experienced debt collection defense attorneys in the state where this occurred.

You can only be released by refinance or payoff.

A request to send you the title might be successful but they may refuse and only send to Chase.

You can contact attorneys directly to have them do a demand letter and or file a lawsuit.

The only way would be for her to get a new loan or for it to be paid off.